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ZIP 32406 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32406

Median Home Value
$194,600
Median Rent
$1,013
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,250/mo PITI).

24%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

16.0 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 32406, a household would need roughly $54,000 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 $1,250. That is roughly in line with the local median household income ($50,756). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
31.7%-51% vs US avg
x
Vacancy Rate
10.3%-0% vs US avg
x
Broadband Access
80.7%-7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
10.7%-16% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
55.1%+44% vs US avg
x
$194,600
Home Value
$1,013
Rent
1985
Year Built
N/A
Moved In
Housing Structure

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

  • 1-unit detached42.3%
  • 1-unit attached6.4%
  • 2-9 units33.3%
  • 10+ units10.0%
  • Mobile home & other8.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$194,600
Median rent$1,013
Owner-occupied31.7%
Vacant10.3%
Price-to-income3.8x
Est. income to buy$54,000