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Horseshoe Beach town, FL

ZIP 32648 — Housing & Real Estate

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

Low Income AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32648

Median Home Value
$176,100
Median Rent
N/A
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,131/mo PITI).

5.3x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 32648 in Horseshoe Beach town, FL, a household would need roughly $48,000 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 $1,131. That is about 44% above the local median household income ($33,292), 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 78% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
100.0%+53% vs US avg
x
Vacancy Rate
78.4%+661% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Mortgage-Free
91.6%+140% vs US avg
x
$176,100
Home Value
N/A
Rent
1991
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached52.9%
  • 1-unit attached0.0%
  • 2-9 units12.1%
  • 10+ units3.4%
  • Mobile home & other31.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,100
Median rent$-666,666,666
Owner-occupied100.0%
Vacant78.4%
Price-to-income5.3x
Est. income to buy$48,000