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Gulf Breeze city, FL

ZIP 32561 — 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 32561

Median Home Value
$576,100
Median Rent
$1,317
Affordability Snapshot
$159,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,701/mo PITI).

13%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

36.5 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 32561 in Gulf Breeze city, FL, a household would need roughly $159,000 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 $3,701. That is about 34% above the local median household income ($119,042), 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 37% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
36.6%+255% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.1%-52% vs US avg
x
Mortgage-Free
44.1%+16% vs US avg
x
$576,100
Home Value
$1,317
Rent
1979
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached51.2%
  • 1-unit attached2.1%
  • 2-9 units15.4%
  • 10+ units31.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$576,100
Median rent$1,317
Owner-occupied80.9%
Vacant36.6%
Price-to-income4.8x
Est. income to buy$159,000