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Palm Coast city, FL

ZIP 32137 — 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 32137

Median Home Value
$360,600
Median Rent
$1,510
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,316/mo PITI).

23%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.9 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 32137 in Palm Coast city, FL, a household would need roughly $99,000 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 $2,316. That is about 26% above the local median household income ($78,731), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.8%+33% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
2.4%-65% vs US avg
x
Rent Burden >30%
30.8%-38% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$360,600
Home Value
$1,510
Rent
2001
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 detached79.7%
  • 1-unit attached4.4%
  • 2-9 units3.4%
  • 10+ units11.9%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$360,600
Median rent$1,510
Owner-occupied86.8%
Vacant17.6%
Price-to-income4.6x
Est. income to buy$99,000