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Pine Ridge CDP, FL

ZIP 34465 — 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 34465

Median Home Value
$233,000
Median Rent
$935
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,497/mo PITI).

20%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

20.8 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 34465 in Pine Ridge CDP, FL, a household would need roughly $64,000 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 $1,497. That is about 15% above the local median household income ($55,513), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.2%+24% vs US avg
x
Vacancy Rate
9.8%-5% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
44.6%+17% vs US avg
x
$233,000
Home Value
$935
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached93.3%
  • 1-unit attached3.3%
  • 2-9 units1.2%
  • 10+ units0.8%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$233,000
Median rent$935
Owner-occupied81.2%
Vacant9.8%
Price-to-income4.2x
Est. income to buy$64,000