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Moon Lake CDP, FL

ZIP 34654 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34654

Median Home Value
$257,500
Median Rent
$1,281
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,654/mo PITI).

24%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

16.8 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 34654 in Moon Lake CDP, FL, a household would need roughly $71,000 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 $1,654. That is roughly in line with the local median household income ($64,210). 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
78.1%+19% vs US avg
x
Vacancy Rate
9.9%-3% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
10.9%-78% vs US avg
x
Mortgage-Free
49.4%+29% vs US avg
x
$257,500
Home Value
$1,281
Rent
1990
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached60.2%
  • 1-unit attached8.4%
  • 2-9 units5.4%
  • 10+ units3.5%
  • Mobile home & other22.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$257,500
Median rent$1,281
Owner-occupied78.1%
Vacant9.9%
Price-to-income4.0x
Est. income to buy$71,000