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Cortez CDP, FL

ZIP 34215 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34215

Median Home Value
$722,200
Median Rent
N/A
Affordability Snapshot
$199,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,639/mo PITI).

9.5x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 34215 in Cortez CDP, FL, a household would need roughly $199,000 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 $4,639. That is about 161% above the local median household income ($76,364), 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 46% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
92.3%+41% vs US avg
x
Vacancy Rate
46.1%+348% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
56.6%+48% vs US avg
x
$722,200
Home Value
N/A
Rent
1985
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached34.7%
  • 1-unit attached3.1%
  • 2-9 units22.9%
  • 10+ units24.4%
  • Mobile home & other14.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$722,200
Median rent$-666,666,666
Owner-occupied92.3%
Vacant46.1%
Price-to-income9.5x
Est. income to buy$199,000