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ZIP 34745 — 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 34745

Median Home Value
$225,000
Median Rent
$1,016
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,445/mo PITI).

28%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

18.5 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 34745, a household would need roughly $62,000 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 $1,445. That is about 41% above the local median household income ($44,081), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
52.2%-20% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
5.0%-27% vs US avg
x
Rent Burden >30%
35.3%-29% vs US avg
x
Mortgage-Free
48.4%+27% vs US avg
x
$225,000
Home Value
$1,016
Rent
1987
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 detached53.9%
  • 1-unit attached1.2%
  • 2-9 units16.9%
  • 10+ units13.8%
  • Mobile home & other14.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$225,000
Median rent$1,016
Owner-occupied52.2%
Vacant5.2%
Price-to-income5.1x
Est. income to buy$62,000