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Middleburg CDP, FL

ZIP 32068 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32068

Median Home Value
$264,300
Median Rent
$1,196
Affordability Snapshot
$73,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,698/mo PITI).

17%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

18.4 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 32068 in Middleburg CDP, FL, a household would need roughly $73,000 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 $1,698. That sits below the local median household income ($82,410), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
78.6%+20% vs US avg
x
Vacancy Rate
5.1%-51% vs US avg
x
Broadband Access
94.4%+9% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
3.0%-57% vs US avg
x
Rent Burden >30%
25.1%-50% vs US avg
x
Mortgage-Free
31.1%-19% vs US avg
x
$264,300
Home Value
$1,196
Rent
1997
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 detached74.3%
  • 1-unit attached0.7%
  • 2-9 units1.8%
  • 10+ units1.6%
  • Mobile home & other21.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$264,300
Median rent$1,196
Owner-occupied78.6%
Vacant5.1%
Price-to-income3.2x
Est. income to buy$73,000