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Lockhart CDP, FL

ZIP 32810 — 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 32810

Median Home Value
$260,000
Median Rent
$1,385
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,670/mo PITI).

28%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

15.6 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 32810 in Lockhart CDP, FL, a household would need roughly $72,000 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 $1,670. That is about 23% above the local median household income ($58,462), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
49.6%-24% vs US avg
x
Vacancy Rate
8.5%-17% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
30.8%-38% vs US avg
x
Mortgage-Free
28.4%-26% vs US avg
x
$260,000
Home Value
$1,385
Rent
1986
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached56.0%
  • 1-unit attached3.8%
  • 2-9 units11.8%
  • 10+ units24.8%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$260,000
Median rent$1,385
Owner-occupied49.6%
Vacant8.5%
Price-to-income4.4x
Est. income to buy$72,000