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ZIP 32777
Housing & Real Estate

ZIP 32777 — Housing & Real Estate

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

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32777

Median Home Value

$430,900

Median Rent

$1,738

Affordability Snapshot

$119,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,768/mo PITI).

19%

Rent-to-Income Ratio

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

4.0x

Home Price-to-Income Ratio

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

20.7 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 32777, a household would need roughly $119,000 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 $2,768. That is roughly in line with the local median household income ($108,297). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel

Housing Metrics

Owner Occupied

96.7%+48% vs US avg

Vacancy Rate

5.8%-44% vs US avg

Broadband Access

95.6%+10% vs US avg

4+ Bedrooms

13.8%-7% vs US avg

Built Pre-1939

0.9%-93% vs US avg

Built Post-2014

12.2%+77% vs US avg

Rent Burden >30%

13.8%-72% vs US avg

Mortgage-Free

26.5%-31% vs US avg

$430,900

Home Value

$1,738

Rent

2004

Year Built

2015

Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

1-unit detached91.6%
1-unit attached1.7%
2-9 units1.7%
10+ units0.3%
Mobile home & other4.7%

ZIP 32777 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32777

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