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Cross City town, FL

ZIP 32628 — 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 32628

Median Home Value
$96,600
Median Rent
$445
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$621/mo PITI).

13%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.1 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 32628 in Cross City town, FL, a household would need roughly $27,000 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 $621. That sits below the local median household income ($42,029), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.6%+19% vs US avg
x
Vacancy Rate
22.9%+122% vs US avg
x
Broadband Access
78.7%-9% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
6.1%-88% vs US avg
x
Mortgage-Free
67.9%+78% vs US avg
x
$96,600
Home Value
$445
Rent
1980
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 detached59.2%
  • 1-unit attached1.2%
  • 2-9 units5.9%
  • 10+ units0.0%
  • Mobile home & other33.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$96,600
Median rent$445
Owner-occupied77.6%
Vacant22.9%
Price-to-income2.3x
Est. income to buy$27,000