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ZIP 32085 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32085

Median Home Value
$436,700
Median Rent
$1,347
Affordability Snapshot
$120,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,805/mo PITI).

25%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

27.0 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 32085, a household would need roughly $120,000 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 $2,805. That is about 87% above the local median household income ($64,219), 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

Vacancy rate 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
46.9%-28% vs US avg
x
Vacancy Rate
32.5%+215% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
15.4%+4% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
2.8%-59% vs US avg
x
Rent Burden >30%
33.3%-33% vs US avg
x
Mortgage-Free
53.5%+40% vs US avg
x
$436,700
Home Value
$1,347
Rent
1938
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 detached66.3%
  • 1-unit attached5.4%
  • 2-9 units14.6%
  • 10+ units13.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$436,700
Median rent$1,347
Owner-occupied46.9%
Vacant32.5%
Price-to-income6.8x
Est. income to buy$120,000