US5.com
  1. Home
  2. States
  3. Florida
  4. ZIP 32322
  5. Housing & Real Estate
Carrabelle city, FL

ZIP 32322 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32322

Median Home Value
$213,100
Median Rent
$1,000
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,369/mo PITI).

21%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

17.8 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 32322 in Carrabelle city, FL, a household would need roughly $59,000 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 $1,369. That is roughly in line with the local median household income ($58,030). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 44% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
43.8%+325% vs US avg
x
Broadband Access
79.9%-8% vs US avg
x
4+ Bedrooms
0.7%-96% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
16.5%-67% vs US avg
x
Mortgage-Free
73.3%+92% vs US avg
x
$213,100
Home Value
$1,000
Rent
1988
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached62.1%
  • 1-unit attached3.9%
  • 2-9 units6.7%
  • 10+ units4.5%
  • Mobile home & other22.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$213,100
Median rent$1,000
Owner-occupied76.6%
Vacant43.8%
Price-to-income3.7x
Est. income to buy$59,000