Bluewater Bay, Niceville - Valparaiso, FL demographics:
population, income, and more

Total population
8,249
2.3% year-over-year change
Median household income
$108,972/yr
2.9% year-over-year change
Housing units
3,551
2.6% year-over-year change

Bluewater Bay population

How many people live in Bluewater Bay

Bluewater Bay is home to 8,249 residents, according to the most recent Census data. Gender-wise, 48.6% of Bluewater Bay locals are male, and 51.4% are female.

Total population
8,249
2.3% year-over-year change
Gender ratio
Male
48.6%
4,009
Female
51.4%
4,240
Value Percent YoY change
Male 4,009 48.6% 3.3%
Female 4,240 51.4% 1.5%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Bluewater Bay is 43, with the population distributed as follows: about 19% are children under 15, then 9.6% are in the 15 to 24 age group. Adults between 25 and 44 make up 24% of the population, while another 26.9% fall into the 45 to 64 bracket. Finally, around 20.4% are 65 or older.

Median age
43.1
Age breakdown
Under 15
19%
15 to 24
9.6%
25 to 44
24%
45 to 64
26.9%
Over 65
20.4%
Value Percent YoY change
Under 15 1,569 19% 3.4%
15 to 24 788 9.6% -9.3%
25 to 44 1,984 24% 5.6%
45 to 64 2,222 26.9% 0.3%
Over 65 1,686 20.4% 6.6%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Bluewater Bay, 83.5% of the population are US-born citizens, while 14.4% have gained naturalized citizenship. At the same time, 2.1% of residents are non-citizens. As for race, 79.8% of locals are Caucasian, 3.5% are African American and 4.3% have Asian roots. There’s also a share of 9.4% that includes residents with two or more races.

Citizenship
U.S.-born citizens
83.5%
Non-U.S.-born citizens
14.4%
Non-citizens
2.1%
Value Percent YoY change
U.S.-born citizens 6,889 83.5% 1.4%
Non-U.S.-born citizens 1,188 14.4% 9.6%
Non-citizens 172 2.1% -4.4%
Racial breakdown
White
79.8%
Black or African American
3.5%
American Indian and Alaska Native
0.1%
Asian
4.3%
Native Hawaiian and other Pacific Islander
0%
Two or more races
9.4%
Other
2.9%
Value Percent
White 6,579 79.8%
Black or African American 292 3.5%
American Indian and Alaska Native 11 0.1%
Asian 356 4.3%
Two or more races 775 9.4%
Other 237 2.9%

Households in Bluewater Bay

A peek inside Bluewater Bay households

Bluewater Bay has 3,246 households, with an average of 1 members in each. Of these, 72.1% are families, while the remaining 27.9% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
3,246
1.8% year-over-year change
Average people per household
1
Non-family households
906
Family households
2,340
Value Percent YoY change
Non-family households 906 27.9% 6.2%
Family households 2,340 72.1% 0.2%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Bluewater Bay

The housing landscape of Bluewater Bay

Bluewater Bay's housing consists of 3,551 units, with 82.7% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.3% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 2.5% of the housing landscape.

Housing units
3,551
2.6% year-over-year change
Housing types
Value Percent
1 unit, detached 2,938 82.7%
1 unit, attached 154 4.3%
2 units 69 1.9%
3 or 4 units 37 1%
5 to 9 units 106 3%
10 to 19 units 63 1.8%
20 to 49 units 53 1.5%
50 or more units 42 1.2%
Mobile home 89 2.5%
Homes built since 2020
117
54.0% year-over-year change

The age of buildings in Bluewater Bay

In Bluewater Bay, the median construction year is 1989. About 0.1% of homes were built before the 1940s, with another 0.2% going up by 1949. Most development happened in the second half of the 20th century. Then, 12.7% of homes were added from 2000 to 2009, 11.1% between 2010 and 2019, and 3.3% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 4 0.1% -79.0%
Built between 1940 and 1949 7 0.2% -46.1%
Built between 1950 and 1959 104 2.9% 26.8%
Built between 1960 and 1969 196 5.5% 7.1%
Built between 1970 and 1979 514 14.5% -4.8%
Built between 1980 and 1989 1,033 29.1% 4.7%
Built between 1990 and 1999 729 20.5% 3.1%
Built between 2000 and 2009 452 12.7% 1.6%
Built between 2010 and 2019 395 11.1% -3.4%
Built in 2020 or later 117 3.3% 54.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Bluewater Bay occupancy rates

Out of the 3,246 occupied housing units in Bluewater Bay, 78.9% are owner-occupied, while 21.1% are lived in by tenants. Meanwhile, 8.6% of all homes on the local market sit vacant.

Occupied housing units
3,246
1.8% year-over-year change
Occupancy breakdown
Renter occupied
685
Owner occupied
2,561
Value Percent YoY
change
Renter occupied 685 21.1% -2.1%
Owner occupied 2,561 78.9% 2.9%
Unoccupied housing units
8.6%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Bluewater Bay housing costs

Housing costs in Bluewater Bay come to a median of $1,716 per month, while tenants specifically pay a median gross rent of $1,863.

Median housing costs per month
$1,716/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Bluewater Bay
$1,863/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Bluewater Bay

Bluewater Bay education at a glance

About 24.7% of the population in Bluewater Bay went to high school, while 20.8% pursued college studies. Another 10.5% earned an associate degree and 21.5% hold a bachelor’s. Meanwhile, 22.1% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 34 0.5% 6.2%
High school diploma 1,586 24.7% 3.3%
College diploma 1,333 20.8% -1.2%
Associate degree 674 10.5% -1.2%
Bachelor's degree 1,380 21.5% 3.1%
Graduate degree 1,417 22.1% 7.5%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Bluewater Bay

How much people earn in Bluewater Bay

The average annual household income in Bluewater Bay was $76,762 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +4.3% change from the previous year. At the same time, the median income stood at $108,972, reflecting a +2.9% shift over the same period.

Average household income in Bluewater Bay
$76,762/year
4.3% year-over-year change
Median household income in Bluewater Bay
$108,972/year
2.9% year-over-year change

Bluewater Bay income by age

In Bluewater Bay, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $109,511. Those with someone between 45 and 64 in charge, often well established professionally, earn $127,099 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $66,827, while those led by someone over 65, many of whom may be retired, have about $87,805 in earnings. Overall, 92.1% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $66,827 43.8%
25 - 44 $109,511 2.4%
45 - 64 $127,099 -0.8%
Over 65 $87,805 -0.7%
Above poverty level
7,407
Below poverty level
635
Value Percent YoY
change
Above poverty level 7,407 92.1% 1.5%
Below poverty level 635 7.9% 11.8%

Employment in Bluewater Bay

Workforce and job types in Bluewater Bay

88.4% of the working population are employed in professional or administrative positions, while 11.6% are in hands-on or service-based jobs. Also, 12.4% run their own businesses, 56.2% are employed by private companies, and 26.8% work in the public sector.

Workforce demographics

White collar
3,154
Blue collar
412
Value Percent YoY change
White collar 3,154 88.4% -0.1%
Blue collar 412 11.6% -2.6%
Employer type
Self employees
12.4%
Private companies
56.2%
Governmental workers
26.8%
Not for profit companies
4.6%
Value Percent YoY change
Self employees 444 12.4% -6.7%
Private companies 2,003 56.2% -0.9%
Governmental workers 955 26.8% 0.9%
Not for profit companies 164 4.6% 19.7%

Transportation in Bluewater Bay

How people get around in Bluewater Bay

Commuting methods vary: 98% of residents travel by personal vehicle and 1.4% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 3,331 98% 1.4%
Ferryboat 5 0.2% -54.5%
Motorcycle 5 0.2% 0.0%
Bicycle 9 0.3% 12.5%
Walk 49 1.4% -30.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Bluewater Bay by zipcode?

Zipcode Population Number of households Median income Average income
32578 34,738 13,668 $108,972 $135,551

Find your place

Explore more communities

FAQs about Bluewater Bay demographics 

What is the total population of Bluewater Bay?

Bluewater Bay has a total population of 8,249 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +2.3% compared to a year ago.

What is the gender ratio in Bluewater Bay?

The gender ratio in Bluewater Bay is as follows:
  • 48.6% males (4,009 residents)
  • 51.4% females (4,240 residents)

What is the median age in Bluewater Bay?

The median age in Bluewater Bay is 43.1.

What is the age distribution of the population in Bluewater Bay?

The age distribution in Bluewater Bay is as follows:
  • Under 15: 19% (1,569 residents)
  • Ages 15-24: 9.6% (788 residents)
  • Ages 25-44: 24% (1,984 residents)
  • Ages 45-64: 26.9% (2,222 residents)
  • Over 65: 20.4% (1,686 residents)

What is the racial and ethnic makeup of Bluewater Bay?

The racial and ethnic makeup of Bluewater Bay is as follows:
  • White: 79.8% (6,579 residents)
  • Black or African American: 3.5% (292 residents)
  • American Indian and Alaska Native: 0.1% (11 residents)
  • Asian: 4.3% (356 residents)
  • Native Hawaiian and Other Pacific Islander: 0% ( residents)
  • Two or More Races: 9.4% (775 residents)
  • Other: 2.9% (237 residents)

What percentage of the population in Bluewater Bay are U.S.-born citizens?

U.S.-born citizens represent 83.5% of the population in Bluewater Bay.

How many housing units are there in Bluewater Bay?

There are 3,551 housing units in Bluewater Bay, reflecting a +2.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Bluewater Bay and what is the average household size?

Bluewater Bay has a total of 3,246 households, with an average of 1 people in each.

What is the median household income in Bluewater Bay?

Bluewater Bay has a median household income of $108,972, representing a +2.9% shift from the previous year, according to the U.S. Census Bureau.

What is the job market overview for Bluewater Bay?

Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 88.4% (3,154 residents)
  • Blue-collar workers: 11.6% (412 residents)

Places of employment:
  • Self-employed: 12.4% (444 residents)
  • Private companies: 56.2% (2,003 residents)
  • Governmental workers: 26.8% (955 residents)
  • Not-for-profit companies: 4.6% (164 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025