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Lake Kerr CDP, FL

ZIP 32134 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32134

Median Home Value
$145,500
Median Rent
$535
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$935/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.

22.7 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 32134 in Lake Kerr CDP, FL, a household would need roughly $40,000 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 $935. That sits below the local median household income ($46,429), 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 44% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.1%+38% vs US avg
x
Vacancy Rate
43.5%+323% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
13.9%-72% vs US avg
x
Mortgage-Free
64.0%+68% vs US avg
x
$145,500
Home Value
$535
Rent
1980
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 detached46.9%
  • 1-unit attached0.1%
  • 2-9 units0.4%
  • 10+ units0.5%
  • Mobile home & other52.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,500
Median rent$535
Owner-occupied90.1%
Vacant43.5%
Price-to-income3.1x
Est. income to buy$40,000