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Williamsburg CDP, FL

ZIP 32821 — 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 32821

Median Home Value
$300,300
Median Rent
$1,661
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,929/mo PITI).

33%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

5.0x
Home Price-to-Income Ratio

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

15.1 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 32821 in Williamsburg CDP, FL, a household would need roughly $83,000 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 $1,929. That is about 39% above the local median household income ($59,927), 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 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
35.2%-46% vs US avg
x
Vacancy Rate
37.9%+268% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
24.9%-50% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$300,300
Home Value
$1,661
Rent
2001
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached21.1%
  • 1-unit attached2.9%
  • 2-9 units7.2%
  • 10+ units68.5%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$300,300
Median rent$1,661
Owner-occupied35.2%
Vacant37.9%
Price-to-income5.0x
Est. income to buy$83,000