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Starke city, FL

ZIP 32091 — 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 32091

Median Home Value
$175,200
Median Rent
$607
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,125/mo PITI).

14%
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.

24.1 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 32091 in Starke city, FL, a household would need roughly $48,000 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 $1,125. That sits below the local median household income ($53,522), 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
63.5%-3% vs US avg
x
Vacancy Rate
18.2%+77% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
3.5%-72% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
40.9%-18% vs US avg
x
Mortgage-Free
56.7%+49% vs US avg
x
$175,200
Home Value
$607
Rent
1983
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached59.1%
  • 1-unit attached0.3%
  • 2-9 units6.2%
  • 10+ units4.8%
  • Mobile home & other29.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,200
Median rent$607
Owner-occupied63.5%
Vacant18.2%
Price-to-income3.3x
Est. income to buy$48,000