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Pine Castle CDP, FL

ZIP 32809 — 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 32809

Median Home Value
$281,000
Median Rent
$1,188
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,805/mo PITI).

27%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

19.7 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 32809 in Pine Castle CDP, FL, a household would need roughly $77,000 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 $1,805. That is about 48% above the local median household income ($52,203), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.2%-19% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
44.5%+16% vs US avg
x
$281,000
Home Value
$1,188
Rent
1972
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 detached51.4%
  • 1-unit attached3.3%
  • 2-9 units19.1%
  • 10+ units23.2%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,000
Median rent$1,188
Owner-occupied53.2%
Vacant10.7%
Price-to-income5.4x
Est. income to buy$77,000