Coastal vibes, convenience and affordability in Ocean City
Part of the larger Fort Walton area, Ocean City is a mainly military community about 5 miles from Eglin Air Force Base, the largest in the world. One of the closest residential areas to the base, it offers short commutes and lower prices than nearby Destin, with the same nearby Emerald Coast beaches. "This is like Key West, with more access to big box stores and more convenience," says Paul Domenech, Realtor with Keller Williams Realty Emerald Coast. "We have the same laid-back atmosphere, but we're easier to get to, and our beaches are 10 times better."
At Garniers Beach Park you can park just feet from the beach.
Some beachside homes in Ocean City feature backyard docks.
1/2
Ranch-style, split-level and townhouses for lower prices than Destin
According to Domenech, Ocean City has an active real estate market thanks to incoming and outgoing military families. The median single-family home price is about $360,000, and the median townhouse price is about $280,000. "It's more affordable than Destin by about 10 to 20%, and you still get to live by the beach," he says. Residential streets maintain a mature, midcentury character with ranch-style and split-level homes from the 1950s and '60s. Many houses are on shady, wooded lots between a quarter and a third of an acre. Newer townhouses and single-family subdivisions were built here between the 1990s and early '00s. Waterfront homes along the bay and bayous range from $900,000 to about $1.7 million. Some locals can boat out to the Gulf from private docks.
Home styles in Ocean City can vary wildly, even within the same neighborhood.
Townhouses can also be found in Ocean City, providing house diversity.
1/2
Highly rated Okaloosa County Schools
The highly rated Okaloosa County School District serves the area and earns an overall A-minus from Niche. Shalimar Elementary School and Pryor Middle School, both B-rated, feed into the A-minus-rated Choctawhatchee Senior High School, often shortened to Choctaw. Choctaw's student outreach club helps relocating military students adjust to their new school, make friends and get involved. The school offers several early college opportunities, including Advanced Placement, dual enrollment, International Baccalaureate and Cambridge Advanced International Certificate of Education (AICE) classes.
Ocean City students thrive at Shalimar Elementary School.
Choctawhatchee Senior High School offers IB classes for Ocean City students.
1/2
White-sand beaches and emerald waters are minutes away
Public beaches are just south on Okaloosa Island, with white sand and the blue-green water that gives the Emerald Coast its name. "When the water comes down from the Appalachians and flows into the Gulf, it brings that white quartz sand down," Domenech says. "When the sun shines through the water, it turns it into an emerald blue." The Okaloosa Island boardwalk features shops and restaurants near the water and a playground, splashpad and sand volleyball courts. Fireworks light the skies every Wednesday night during the busy summer season. Even closer to home, Garniers Beach Park has a 240-foot sandy beach, boat ramp, playground and picnic tables.
The white sand beaches in Garnier Beach Park make it a great spot to sunbathe.
Ocean City's proximity to the water makes it a top fishing destination.
1/2
Thai flavors and big box stores nearby
Various restaurants, services and retail options are concentrated along Racetrack Road Northeast and State Road 85, the main thoroughfares. Publix and CVS are centrally located, and Thai Market specializes in Asian produce, snacks, spices and other foods. Besides fast-food restaurants such as Domino's Pizza, various Asian restaurants flavor the dining scene. The highly rated Fire Thai Fusion serves traditional entrees and Thai-inspired pizza. Walmart, Sam's Club, Home Depot, T.J. Maxx and Books-A-Million are all about 3 miles away or closer.
Fire Thai Fusion serves Japanese, Thai, and American food in a sleek interior.
Ocean City locals can grab groceries at the nearby Walmart.
1/2
Pirate fest, farmers market and boat parade bring locals together
Pirate actors storm the shores at the Billy Bowlegs Pirate Festival, named for the 18th-century sea captain who sailed the Gulf Coast. The festival, a Fort Walton tradition for nearly 70 years, features costumed reenactments, arts and crafts vendors and a citywide treasure hunt. The Downtown Fort Walton Beach Farmers Market is a year-round opportunity to find produce, honey, meat, eggs and crafts. It takes place on the second and fourth Saturdays of each month. Locals can celebrate the holidays at Destin's lighted boat parade in December, where decked-out vessels cruise down the harbor.
Highways and public buses provide transportation options
State Road 85 leads south to Fort Walton Beach and northeast to the Eglin Air Force Base. It continues north toward Interstate 10, a main route through Northern Florida. The Emerald Coast Rider provides transportation around the area, and the No. 1 route leads south to Fort Walton Beach. The Destin-Fort Walton Beach Airport, about 7 miles away, offers nonstop service throughout the United States. HCA Florida Fort Walton-Destin Hospital provides emergency care and other specialty services about 2 miles away.
The Eglin AFB is located minutes away from Ocean City.
HCA Fort Walton/Destin Hospital provides emergency and scheduled medical services just outside Ocean City.
1/2
Noise and weather considerations
Training operations, including night flights, create noise around the Eglin Air Force Base, but residents get advance notice. "You're not getting a lot of air traffic directly over the residential areas, so it's not so disruptive," Domenech says. As with all of coastal Florida, Ocean City is susceptible to hurricanes. Parts of the community, especially along the water, are special flood hazard areas, and flood insurance may be required.
Drainage systems are built into some Ocean City neighborhoods to reduce flooding risks.
Ocean City is right on the bay, and can experience flooding issues when water levels rise.
1/2
Written By
Liz Coughlin
Photography Contributed By
Austin Lewis
Interested in learning more about homes in this area?
Reach out to
Angelo DePaola,
an experienced agent in this area.
GreatSchools:
The GreatSchools Rating helps parents compare schools within a state based on a variety of school quality indicators and provides a helpful picture of how effectively each school serves all of its students. Ratings are on a scale of 1 (below average) to 10 (above average) and can include test scores, college readiness, academic progress, advanced courses, equity, discipline and attendance data. We also advise parents to visit schools, consider other information on school performance and programs, and consider family needs as part of the school selection process.
View GreatSchools Rating Methodology
**Come and see this beautiful turn-key 2-story traditional home. It's the perfect starter home or investment property. Just Minutes from breathtaking white sand beaches of the beautiful Emerald Coast, Hulburt Field and Eglin Air Force Base. The kitchen has newer stainless steel appliances and beautiful cherrywood cabinets. Freshly painted inside. Upstairs Carpet replaced in 2022. Bring your pets
EXQUISITE Custom Tudor-Style Protected Waterfront Home with Stunning Views. X Flood Zone!! Roof 2023, Kohler Generator 2023. Welcome to your Dream Home nestled on a private, tree-lined drive in a tranquil, protected bayou. This exquisite 3-bedroom 3.5 bathroom residence offers a perfect blend of Elegance, Comfort, and Breathtaking Natural Beauty. Step inside to discover spacious living areas
STUNNING HOME WITH BOAT SLIP!! Nestled in the desirable Palm Harbor community, this 3-story home offers expansive views of the bayou, spacious living, and ideal amenities for both everyday living and entertaining! The second floor welcomes you with two expansive living areas, a bright and open kitchen, dining area, half bathroom, and laundry room. Large windows flood the space with natural light
Waterfront property in Lighthouse Point sits on the Bayou off Choctawatchee Bay. This spacious, 4 bed, 3 bath home is open and bright with water views the moment you walk in. Upstairs there is an Oversized Master Suite that overlooks the water, with a huge walk-in closet, tile shower and double vanity with tons of cabinet space. There are also 2 additional bedrooms and a full bath. On the main
Charming and well-maintained 2-bedroom, 2-bath home with thoughtful updates throughout. Recent improvements include fresh interior paint, new flooring in both bedrooms, freshly painted cabinetry, updated countertops, and upgraded plumbing with durable PEX piping--giving the home a clean, modern feel while offering long-term peace of mind. The layout offers comfortable living with an indoor
**Come and see this beautiful turn-key 2-story traditional home. It's the perfect starter home or investment property. Just Minutes from breathtaking white sand beaches of the beautiful Emerald Coast, Hulburt Field and Eglin Air Force Base. The kitchen has newer stainless steel appliances and beautiful cherrywood cabinets. Freshly painted inside. Upstairs Carpet replaced in 2022. Bring your pets
Welcome to 1004 Middle Dr in Fort Walton Beach! This beautifully renovated 3-bedroom, 2-bath home features a desirable split-bedroom floor plan and modern upgrades throughout. Inside, you'll find durable LVP flooring, a bright and functional layout, and an updated kitchen complete with stainless steel appliances and a convenient breakfast bar--perfect for everyday living and entertaining. Located
Beautifully maintained home located close to beaches, shopping and Eglin and Hurlburt AFB. This 4 bed/2 bath home is being sold fully furnished and can be utilized as either an income generating property or a move in ready primary residence. Homeowners and investors will find an updated property ready for either easy occupancy or immediate rental potential. Opportunities like this do not come
NO BANK NEEDED | Spacious & Upgraded Home Near the Coast! This is a beautifully maintained, move-in-ready home offering 4 bedrooms and 2 baths, with approximately 2,057 sq ft of living space on a -6,969 sq ft lot. The home includes notable recent updates: a new roof installed in 2021 and an HVAC system replaced in 2024, offering peace of mind and efficiency. Upstairs, you'll find a loft
Welcome to 439 Waterway Lane in Fort Walton Beach--an UPDATED 2BR townhome offering COASTAL LIVING, INVESTMENT POTENTIAL, and everyday comfort. Located near the Intracoastal Waterway and just minutes to OKALOOSA ISLAND and white-sand beaches, this property is ideal as a PRIMARY HOME, VACATION GETAWAY, or SHORT-TERM RENTAL. Inside features an OPEN-CONCEPT layout, UPDATED KITCHEN with CONCRETE
Positioned on Â1⁄2 acre along the tranquil waters of Cinco Bayou, this exceptional waterfront estate at 144 Monahan Drive offers a rare blend of privacy, craftsmanship, and coastal lifestyle living. Designed for both comfort and entertainment, the property combines timeless finishes with distinctive architectural details throughout. Inside, expansive living areas showcase vaulted ceilings, cedar
This beautiful CORNER lot home featuring 3 bedrooms, 2 bathrooms, plus an office, newly updated and meticulously maintained in the heart of Fort Walton Beach.Conveniently situated in proximity to military bases, beaches, schools and shopping. NO HOA! * SELLER will grant up to $5k in closing costs assistance with acceptable offer. Buyer to verify all lot and home dimensions. This home is a
Welcome to 2394 Ellison Way in Fort Walton Beach, Florida -- a beautifully designed custom home offering 4 bedrooms, 2.5 bathrooms, and a spacious open floor plan perfect for modern living along the Panhandle of Florida.This move-in ready home features a large open concept layout ideal for entertaining, with granite countertops, stainless steel appliances, a generous breakfast bar, and
Beautiful and very charming brick home available and ready for move in on or around 05/07/2026. Oversized lot surrounded by mature Oak trees. Fairly new paint throughout as well as carpeted areas. All electric, central heat/air, 2 car garage with epoxied floors, automatic opener and built-in storage cabinets. The home has extra insulation and storm windows helping to cut back on electric bills as
Colony house is snug in the quiet heart and lush beauty of central Fort Walton Beach. An established community, Colony House is home to good friends of all ages. All of whom have fallen in love with the casual ambiance & satisfying amenities of the Emerald Coasts most resident-friendly apartment community. Truly, home is where your friends are. Home is Colony House. Where good friends and
Completely Renovated Townhome--Minutes from Eglin AFB & Hurlburt Field: Discover your perfect home base! This fully renovated townhome is ideally situated just minutes from Eglin AFB, Hurlburt Field, premier shopping, local beachfront parks, and the pristine white sands of Okaloosa Island, making it an excellent choice for those desiring quick access to the best of Fort Walton Beach. The home
Instantly upgrade your day-to-day life with our newly renovated one and two bedroom apartments at The Cove. Our premier apartment community offers a variety of layout options to work with your lifestyle, with some boasting upgraded finishes and styling. Life in Fort Walton Beach, Florida, never looked better with a beautiful place to call home in a great location near Garniers Beach Park. Make
Envision yourself in a charming townhouse at 121 Tooke St, Fort Walton Beach, where comfort meets style in an exquisite living space. This spacious 1,510 sq ft home offers three beautifully appointed bedrooms, perfect for relaxation or productive work-from-home setups. The two full bathrooms and an additional half bath ensure convenience and privacy for all your needs. Step into the heart of the
Enjoy a fully furnished studio suite in our hotel at an affordable rate with free wi-fi, free utilities and free premium cable. Each studio suite has a full kitchen with full-size refrigerator, stovetop and microwave, and has a flexible workspace and plenty of storage. All our hotels are pet-friendly and have on-site guest laundry available. Plus, there are no long-term commitments and you can
Centrally located Fort Walton Beach complex with a Washer and dryer hook-up! Conveniently located, this complex is close to everything - shopping, both bases, Fort Walton Beach Medical Center, restaurants, schools, and daycare centers. 2 bedrooms and 2 full baths. The kitchen area includes refrigerator, oven, range, and dishwasher. No smoking. No Pets. Easy application process, come and apply
Property Id: 1865843*Shorter stays allowed at higher rate. Available on April 1st, 2026*.Safe and peaceful area. Home is centrally located, close to hospitals, medical facilities, shopping, restaurants, grocery stores, and beaches.Unit comes fully furnished & Ideal for traveling professionals & Military or for 1-2 people only. In unit washer & dryer. Community boat
Welcome to Elevate at 604 West. Our recently renovated apartment community is located in the delightful city of Fort Walton Beach. Buffered from the Gulf of Mexico by Okaloosa Island, Fort Walton Beach is situated near some of Florida’s finest waterfront areas. When you step inside one of our apartments, you’ll be greeted with a welcoming kitchen that’s been upgraded with sleek appliances and
Private 1BR/1BA cottage with private parking and patio. AVAILABLE MID MAY. Why live in an apartment & share walls when you can live in a PRIVATE cottage in a quiet, walking neighborhood in central Fort Walton Beach. Very close to beaches, shopping, Eglin AFB, Hurlburt Field and Duke Field. Washer/Dryer combo included with rent. Private brick driveway, private parking and private patio. On premise
Welcome to your perfect coastal retreat at 213 Hawthorne Cir, Fort Walton Beach, FL. This charming three-bedroom home offers comfortable living space, ideal for both relaxing and entertaining. Step inside to a bright and welcoming interior where natural light fills the home, creating a warm and inviting atmosphere. The open layout provides flexibility to arrange the space to fit your lifestyle.
Local Logic measures the walkability, access to public transit and bikeability of any address. CAP Index provides objective, accurate, and consistent data to help measure, compare, and mitigate crime risks.
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. Our sources include: Accuweather, Public Records and Neustar. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.