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Fort White town, FL

ZIP 32038 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32038

Median Home Value
$179,300
Median Rent
$669
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,152/mo PITI).

14%
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.

22.3 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 32038 in Fort White town, FL, a household would need roughly $49,000 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 $1,152. That sits below the local median household income ($58,075), 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

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.8%+31% vs US avg
x
Vacancy Rate
17.8%+73% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
7.8%-84% vs US avg
x
Mortgage-Free
60.4%+58% vs US avg
x
$179,300
Home Value
$669
Rent
1996
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached37.8%
  • 1-unit attached1.4%
  • 2-9 units0.3%
  • 10+ units0.7%
  • Mobile home & other59.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$179,300
Median rent$669
Owner-occupied85.8%
Vacant17.8%
Price-to-income3.1x
Est. income to buy$49,000