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ZIP 34954
Housing & Real Estate

ZIP 34954 — 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 34954

Median Home Value

$159,300

Median Rent

$957

Affordability Snapshot

$44,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,023/mo PITI).

22%

Rent-to-Income Ratio

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

3.1x

Home Price-to-Income Ratio

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

13.9 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 34954, a household would need roughly $44,000 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 $1,023. That sits below the local median household income ($51,677), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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

35.9%-45% vs US avg

Vacancy Rate

8.9%-13% vs US avg

Broadband Access

77.7%-11% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

27.6%-44% vs US avg

Mortgage-Free

45.6%+19% vs US avg

$159,300

Home Value

$957

Rent

1984

Year Built

2018

Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

1-unit detached34.8%
1-unit attached6.6%
2-9 units45.2%
10+ units13.5%
Mobile home & other0.0%

ZIP 34954 — Housing & Real Estate

Housing & Real Estate in ZIP Code 34954

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