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Miramar Beach CDP, FL

ZIP 32459 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32459

Median Home Value
$613,100
Median Rent
$1,894
Affordability Snapshot
$169,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,938/mo PITI).

22%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.0 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 32459 in Miramar Beach CDP, FL, a household would need roughly $169,000 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 $3,938. That is about 67% above the local median household income ($101,067), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 48% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.2%+18% vs US avg
x
Vacancy Rate
47.5%+362% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
7.9%-46% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
2.8%-60% vs US avg
x
Rent Burden >30%
27.2%-45% vs US avg
x
Mortgage-Free
30.9%-19% vs US avg
x
$613,100
Home Value
$1,894
Rent
2005
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached72.0%
  • 1-unit attached3.2%
  • 2-9 units8.6%
  • 10+ units13.5%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$613,100
Median rent$1,894
Owner-occupied77.2%
Vacant47.5%
Price-to-income6.1x
Est. income to buy$169,000