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Monticello city, FL

ZIP 32344 — 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 32344

Median Home Value
$208,600
Median Rent
$567
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,340/mo PITI).

13%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

30.7 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 32344 in Monticello city, FL, a household would need roughly $57,000 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 $1,340. That is roughly in line with the local median household income ($52,222). 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
74.0%+13% vs US avg
x
Vacancy Rate
15.3%+49% vs US avg
x
Broadband Access
74.0%-15% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
7.4%-42% vs US avg
x
Built Post-2014
1.8%-73% vs US avg
x
Rent Burden >30%
23.5%-53% vs US avg
x
Mortgage-Free
59.9%+57% vs US avg
x
$208,600
Home Value
$567
Rent
1987
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 detached62.4%
  • 1-unit attached0.1%
  • 2-9 units5.2%
  • 10+ units0.9%
  • Mobile home & other31.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,600
Median rent$567
Owner-occupied74.0%
Vacant15.3%
Price-to-income4.0x
Est. income to buy$57,000