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ZIP 32238 — Housing & Real Estate

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

Working ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32238

Median Home Value
$154,600
Median Rent
$932
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$993/mo PITI).

22%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

13.8 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 32238, a household would need roughly $43,000 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 $993. That sits below the local median household income ($51,226), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
48.4%-26% vs US avg
x
Vacancy Rate
9.4%-8% vs US avg
x
Broadband Access
80.4%-8% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
8.3%-35% vs US avg
x
Built Post-2014
1.8%-73% vs US avg
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
41.1%+8% vs US avg
x
$154,600
Home Value
$932
Rent
1975
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached50.3%
  • 1-unit attached15.0%
  • 2-9 units11.2%
  • 10+ units0.3%
  • Mobile home & other23.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,600
Median rent$932
Owner-occupied48.4%
Vacant9.4%
Price-to-income3.0x
Est. income to buy$43,000