US5.com
  1. Home
  2. States
  3. Florida
  4. ZIP 32140
  5. Housing & Real Estate
, FL

ZIP 32140 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32140

Median Home Value
$122,600
Median Rent
$950
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$788/mo PITI).

33%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

3.5x
Home Price-to-Income Ratio

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

10.8 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 32140 in FL, a household would need roughly $34,000 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 $788. That is roughly in line with the local median household income ($35,000). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.3%+30% vs US avg
x
Vacancy Rate
24.6%+139% vs US avg
x
Broadband Access
80.2%-8% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
73.3%+92% vs US avg
x
$122,600
Home Value
$950
Rent
1988
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached51.5%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other48.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$122,600
Median rent$950
Owner-occupied85.3%
Vacant24.6%
Price-to-income3.5x
Est. income to buy$34,000