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Fleming Island CDP, FL

ZIP 32003 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32003

Median Home Value
$387,400
Median Rent
$1,740
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,489/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32003 in Fleming Island CDP, FL, a household would need roughly $107,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,489. That sits below the local median household income ($119,046), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.7%+33% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
12.5%-16% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
26.8%-46% vs US avg
x
Mortgage-Free
36.2%-5% vs US avg
x
$387,400
Home Value
$1,740
Rent
2000
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached79.7%
  • 1-unit attached9.0%
  • 2-9 units4.5%
  • 10+ units5.7%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$387,400
Median rent$1,740
Owner-occupied86.7%
Vacant4.6%
Price-to-income3.3x
Est. income to buy$107,000