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ZIP 32236 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32236

Median Home Value
$102,400
Median Rent
$997
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$658/mo PITI).

35%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.6 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 32236, a household would need roughly $28,000 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 $658. That sits below the local median household income ($34,347), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics

Historic housing stock (37% built before 1939)

Owner Occupied
52.1%-20% vs US avg
x
Vacancy Rate
5.7%-44% vs US avg
x
Broadband Access
70.3%-19% vs US avg
x
4+ Bedrooms
0.5%-96% vs US avg
x
Built Pre-1939
37.0%+189% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
38.1%-23% vs US avg
x
Mortgage-Free
50.4%+32% vs US avg
x
$102,400
Home Value
$997
Rent
1952
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached86.0%
  • 1-unit attached3.3%
  • 2-9 units7.8%
  • 10+ units2.2%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,400
Median rent$997
Owner-occupied52.1%
Vacant5.7%
Price-to-income3.0x
Est. income to buy$28,000