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Malone town, FL

ZIP 32445 — 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 32445

Median Home Value
$101,000
Median Rent
$474
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$649/mo PITI).

12%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

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 32445 in Malone town, FL, a household would need roughly $28,000 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 $649. That sits below the local median household income ($48,625), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
74.9%+15% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
76.9%-12% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
55.1%+11% vs US avg
x
Mortgage-Free
72.4%+90% vs US avg
x
$101,000
Home Value
$474
Rent
1973
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 detached65.2%
  • 1-unit attached1.7%
  • 2-9 units1.2%
  • 10+ units0.0%
  • Mobile home & other31.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$101,000
Median rent$474
Owner-occupied74.9%
Vacant7.5%
Price-to-income2.1x
Est. income to buy$28,000