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ZIP 32961
Housing & Real Estate

ZIP 32961 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32961

Median Home Value

$267,600

Median Rent

$1,223

Affordability Snapshot

$74,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,719/mo PITI).

22%

Rent-to-Income Ratio

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

4.1x

Home Price-to-Income Ratio

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

18.2 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 32961, a household would need roughly $74,000 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 $1,719. That is roughly in line with the local median household income ($65,833). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

62.4%-5% vs US avg

Vacancy Rate

10.1%-2% vs US avg

Broadband Access

87.3%+0% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

14.0%+9% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

32.5%-35% vs US avg

Mortgage-Free

62.7%+64% vs US avg

$267,600

Home Value

$1,223

Rent

1958

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 detached78.0%
1-unit attached1.0%
2-9 units16.2%
10+ units2.3%
Mobile home & other2.6%

ZIP 32961 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32961

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