Home
States
ZIP 32965
Housing & Real Estate

ZIP 32965 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32965

Median Home Value

$166,200

Median Rent

$987

Affordability Snapshot

$46,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,068/mo PITI).

26%

Rent-to-Income Ratio

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

3.6x

Home Price-to-Income Ratio

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

14.0 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 32965, a household would need roughly $46,000 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 $1,068. That is roughly in line with the local median household income ($46,417). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 28% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

56.5%-14% vs US avg

Vacancy Rate

27.6%+168% vs US avg

Broadband Access

84.8%-3% vs US avg

4+ Bedrooms

0.5%-97% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

32.0%-36% vs US avg

Mortgage-Free

49.1%+29% vs US avg

$166,200

Home Value

$987

Rent

1988

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 detached8.0%
1-unit attached26.8%
2-9 units35.7%
10+ units29.1%
Mobile home & other0.4%

ZIP 32965 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32965

Explore related to ZIP 32965

Housing & Real Estate key statistics