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ZIP 32135 — 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 32135

Median Home Value
$289,400
Median Rent
$1,443
Affordability Snapshot
$80,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,859/mo PITI).

27%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

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

16.7 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 32135, a household would need roughly $80,000 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 $1,859. That is about 26% above the local median household income ($63,718), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
13.6%+32% vs US avg
x
Broadband Access
82.6%-5% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
4.0%-43% vs US avg
x
Rent Burden >30%
24.4%-51% vs US avg
x
Mortgage-Free
43.6%+14% vs US avg
x
$289,400
Home Value
$1,443
Rent
2001
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached94.6%
  • 1-unit attached0.9%
  • 2-9 units2.6%
  • 10+ units1.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$289,400
Median rent$1,443
Owner-occupied87.5%
Vacant13.6%
Price-to-income4.5x
Est. income to buy$80,000