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, FL

ZIP 32461 — 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 32461

Median Home Value
$947,700
Median Rent
$2,361
Affordability Snapshot
$261,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,088/mo PITI).

19%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

33.4 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 32461 in FL, a household would need roughly $261,000 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 $6,088. That is about 78% above the local median household income ($146,393), 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 73% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.6%+31% vs US avg
x
Vacancy Rate
73.3%+611% vs US avg
x
Broadband Access
99.2%+14% vs US avg
x
4+ Bedrooms
9.8%-34% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
7.7%+11% vs US avg
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$947,700
Home Value
$2,361
Rent
2008
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached65.5%
  • 1-unit attached2.5%
  • 2-9 units16.6%
  • 10+ units12.9%
  • Mobile home & other2.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$947,700
Median rent$2,361
Owner-occupied85.6%
Vacant73.3%
Price-to-income6.5x
Est. income to buy$261,000