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Palm Valley CDP, FL

ZIP 32082 — 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 32082

Median Home Value
$732,700
Median Rent
$1,748
Affordability Snapshot
$202,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,707/mo PITI).

17%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

34.9 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 32082 in Palm Valley CDP, FL, a household would need roughly $202,000 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 $4,707. That is about 64% above the local median household income ($122,807), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.6%+25% vs US avg
x
Vacancy Rate
16.1%+56% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
13.1%-11% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
26.6%-47% vs US avg
x
Mortgage-Free
42.2%+10% vs US avg
x
$732,700
Home Value
$1,748
Rent
1990
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 detached62.1%
  • 1-unit attached5.7%
  • 2-9 units19.8%
  • 10+ units12.0%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$732,700
Median rent$1,748
Owner-occupied81.6%
Vacant16.1%
Price-to-income6.0x
Est. income to buy$202,000