Easiest ZIP codes to buy in Florida
Top 25 easiest ZIP codes to buy into in Florida by price-to-income ratio. #1 is 33815 (Lakeland) at about 1.2x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Florida — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 33815 (Lakeland) at about 1.2x; 32331 (Greenville) at about 1.5x; 32440 (Graceville) at about 1.6x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Florida state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 33815 | Lakeland | Polk County | 1.2x | 14,457 | $36,445 | $42,700 |
| 2 | 32331 | Greenville | Madison County | 1.5x | 4,642 | $53,472 | $80,100 |
| 3 | 32440 | Graceville | Jackson County | 1.6x | 8,048 | $53,974 | $85,000 |
| 4 | 34488 | Silver Springs | Marion County | 1.7x | 11,525 | $45,239 | $75,300 |
| 5 | 32059 | Lee | Madison County | 1.8x | 2,764 | $51,193 | $90,000 |
| 6 | 32336 | Lamont | Taylor County | 1.8x | 1,218 | $44,293 | $79,000 |
| 7 | 33834 | Fort Green Springs | Hardee County | 1.8x | 6,139 | $58,364 | $104,200 |
| 8 | 32702 | Pittman | Lake County | 1.8x | 2,732 | $51,762 | $92,700 |
| 9 | 32564 | Harold | Santa Rosa County | 1.8x | 1,958 | $68,170 | $123,700 |
| 10 | 32334 | Hosford | Liberty County | 1.8x | 1,749 | $55,380 | $102,000 |
| 11 | 32324 | Chattahoochee | Gadsden County | 1.9x | 4,719 | $42,607 | $79,400 |
| 12 | 32148 | Interlachen | Putnam County | 1.9x | 11,580 | $45,320 | $87,800 |
| 13 | 32464 | Westville | Holmes County | 1.9x | 3,914 | $57,056 | $110,800 |
| 14 | 32348 | Perry | Taylor County | 2.0x | 12,498 | $48,343 | $96,300 |
| 15 | 33541 | Pasadena Hills | Pasco County | 2.0x | 23,913 | $55,556 | $111,300 |
| 16 | 32680 | — | Dixie County | 2.0x | 10,445 | $47,547 | $95,300 |
| 17 | 33890 | Lemon Grove | Hardee County | 2.0x | 4,991 | $70,179 | $140,700 |
| 18 | 32332 | Gretna | Gadsden County | 2.0x | 1,213 | $33,750 | $67,900 |
| 19 | 32044 | Hampton | Bradford County | 2.0x | 2,394 | $45,865 | $93,500 |
| 20 | 32443 | Greenwood | Jackson County | 2.1x | 2,739 | $53,795 | $111,000 |
| 21 | 32445 | Malone | Jackson County | 2.1x | 2,550 | $48,625 | $101,000 |
| 22 | 33843 | Frostproof | Polk County | 2.1x | 11,072 | $51,358 | $107,900 |
| 23 | 32621 | East Bronson | Levy County | 2.2x | 5,540 | $52,840 | $114,200 |
| 24 | 32767 | Paisley | Lake County | 2.2x | 2,839 | $64,772 | $140,000 |
| 25 | 33540 | Crystal Springs | Pasco County | 2.2x | 11,098 | $55,426 | $120,600 |
Frequently asked questions
Which ZIP codes in Florida are easiest to buy into?
By median home price-to-income ratio, 33815 (Lakeland) ranks near the top at about 1.2x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Florida?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Florida?
Visit the Florida state page for the full ZIP table, demographics summary, and sortable income/housing columns.