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Lady Lake town, FL

ZIP 32195 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32195

Median Home Value
$147,500
Median Rent
N/A
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$948/mo PITI).

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 32195 in Lady Lake town, FL, a household would need roughly $41,000 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 $948. That sits below the local median household income ($61,771), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.6%+43% vs US avg
x
Vacancy Rate
14.9%+45% vs US avg
x
Broadband Access
86.6%-1% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
61.6%+61% vs US avg
x
$147,500
Home Value
N/A
Rent
1995
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached53.2%
  • 1-unit attached0.7%
  • 2-9 units0.0%
  • 10+ units0.6%
  • Mobile home & other45.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,500
Median rent$-666,666,666
Owner-occupied93.6%
Vacant14.9%
Price-to-income2.4x
Est. income to buy$41,000