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Ponce de Leon town, FL

ZIP 32455 — 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 32455

Median Home Value
$110,600
Median Rent
$560
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$710/mo PITI).

15%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 32455 in Ponce de Leon town, FL, a household would need roughly $30,000 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 $710. That sits below the local median household income ($45,110), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.0%+24% vs US avg
x
Vacancy Rate
17.4%+69% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
3.8%-71% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
5.9%-88% vs US avg
x
Mortgage-Free
79.3%+108% vs US avg
x
$110,600
Home Value
$560
Rent
1987
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached52.9%
  • 1-unit attached1.2%
  • 2-9 units0.0%
  • 10+ units0.8%
  • Mobile home & other45.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$110,600
Median rent$560
Owner-occupied81.0%
Vacant17.4%
Price-to-income2.5x
Est. income to buy$30,000