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New Smyrna Beach city, FL

ZIP 32169 — 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 32169

Median Home Value
$485,400
Median Rent
$1,659
Affordability Snapshot
$134,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,118/mo PITI).

20%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

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

24.4 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 32169 in New Smyrna Beach city, FL, a household would need roughly $134,000 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 $3,118. That is about 35% above the local median household income ($99,260), 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 52% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
51.8%+402% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
56.4%+48% vs US avg
x
$485,400
Home Value
$1,659
Rent
1986
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 detached36.3%
  • 1-unit attached3.3%
  • 2-9 units8.2%
  • 10+ units52.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$485,400
Median rent$1,659
Owner-occupied87.5%
Vacant51.8%
Price-to-income4.9x
Est. income to buy$134,000