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Grand Ridge town, FL

ZIP 32442 — 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 32442

Median Home Value
$113,600
Median Rent
$519
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$730/mo PITI).

15%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.2 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 32442 in Grand Ridge town, FL, a household would need roughly $31,000 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 $730. That sits below the local median household income ($40,575), 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
68.3%+4% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
77.0%-11% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
3.9%-69% vs US avg
x
Built Post-2014
2.3%-67% vs US avg
x
Rent Burden >30%
7.6%-85% vs US avg
x
Mortgage-Free
71.1%+86% vs US avg
x
$113,600
Home Value
$519
Rent
1984
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 detached58.3%
  • 1-unit attached0.3%
  • 2-9 units3.2%
  • 10+ units0.0%
  • Mobile home & other38.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$113,600
Median rent$519
Owner-occupied68.3%
Vacant14.8%
Price-to-income2.8x
Est. income to buy$31,000