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, FL

ZIP 32009 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32009

Median Home Value
$239,500
Median Rent
$565
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,538/mo PITI).

9%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

35.3 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 32009 in FL, a household would need roughly $66,000 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 $1,538. That sits below the local median household income ($77,826), 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
87.3%+33% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
4.5%-91% vs US avg
x
Mortgage-Free
44.0%+15% vs US avg
x
$239,500
Home Value
$565
Rent
1996
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached59.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other40.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,500
Median rent$565
Owner-occupied87.3%
Vacant2.6%
Price-to-income3.1x
Est. income to buy$66,000