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Vero Beach city, FL

ZIP 32960 — 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 32960

Median Home Value
$254,400
Median Rent
$1,045
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,634/mo PITI).

24%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

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

20.3 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 32960 in Vero Beach city, FL, a household would need roughly $70,000 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 $1,634. That is about 34% above the local median household income ($52,350), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.9%-13% vs US avg
x
Vacancy Rate
16.6%+61% vs US avg
x
Broadband Access
88.3%+1% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
28.3%-43% vs US avg
x
Mortgage-Free
47.0%+23% vs US avg
x
$254,400
Home Value
$1,045
Rent
1978
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 detached51.5%
  • 1-unit attached6.1%
  • 2-9 units21.8%
  • 10+ units16.4%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$254,400
Median rent$1,045
Owner-occupied56.9%
Vacant16.6%
Price-to-income4.9x
Est. income to buy$70,000