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ZIP 32178
Housing & Real Estate

ZIP 32178 — Housing & Real Estate

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

Low Income AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32178

Median Home Value

$84,400

Median Rent

$721

Affordability Snapshot

$23,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$542/mo PITI).

40%

Rent-to-Income Ratio

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

3.9x

Home Price-to-Income Ratio

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

9.8 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 32178, a household would need roughly $23,000 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 $542. That is roughly in line with the local median household income ($21,789). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

56.1%-14% vs US avg

Vacancy Rate

13.2%+28% vs US avg

Broadband Access

74.3%-15% vs US avg

4+ Bedrooms

2.7%-82% vs US avg

Built Pre-1939

4.0%-69% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

21.7%-56% vs US avg

Mortgage-Free

76.7%+101% vs US avg

$84,400

Home Value

$721

Rent

1957

Year Built

2014

Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

1-unit detached77.7%
1-unit attached0.9%
2-9 units18.4%
10+ units3.1%
Mobile home & other0.0%

ZIP 32178 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32178

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