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ZIP 32235
Housing & Real Estate

ZIP 32235 — Housing & Real Estate

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

Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32235

Median Home Value

$252,500

Median Rent

$1,192

Affordability Snapshot

$70,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,622/mo PITI).

20%

Rent-to-Income Ratio

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

3.4x

Home Price-to-Income Ratio

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

17.7 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 32235, a household would need roughly $70,000 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 $1,622. That is roughly in line with the local median household income ($73,214). 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

73.3%+12% vs US avg

Vacancy Rate

0.0%

Broadband Access

95.6%+10% vs US avg

4+ Bedrooms

1.1%-93% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

41.0%-18% vs US avg

Mortgage-Free

25.1%-34% vs US avg

$252,500

Home Value

$1,192

Rent

1986

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 detached59.9%
1-unit attached22.9%
2-9 units15.2%
10+ units1.5%
Mobile home & other0.4%

ZIP 32235 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32235

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