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Flagler Beach city, FL

ZIP 32136 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32136

Median Home Value
$438,300
Median Rent
$1,304
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,816/mo PITI).

22%
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.

28.0 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 32136 in Flagler Beach city, FL, a household would need roughly $121,000 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 $2,816. That is about 67% above the local median household income ($72,589), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.6%+34% vs US avg
x
Vacancy Rate
27.6%+168% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
1.8%-75% vs US avg
x
Rent Burden >30%
31.3%-37% vs US avg
x
Mortgage-Free
53.0%+39% vs US avg
x
$438,300
Home Value
$1,304
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached66.7%
  • 1-unit attached9.7%
  • 2-9 units5.4%
  • 10+ units7.0%
  • Mobile home & other11.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$438,300
Median rent$1,304
Owner-occupied87.6%
Vacant27.6%
Price-to-income6.0x
Est. income to buy$121,000