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ZIP 32314
Housing & Real Estate

ZIP 32314 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32314

Median Home Value

$173,660

Median Rent

$720

Affordability Snapshot

$48,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,116/mo PITI).

18%

Rent-to-Income Ratio

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

3.5x

Home Price-to-Income Ratio

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

20.1 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 32314, a household would need roughly $48,000 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 $1,116. That is roughly in line with the local median household income ($49,249). 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

65.8%+1% vs US avg

Vacancy Rate

12.6%+22% vs US avg

Broadband Access

65.8%-24% vs US avg

4+ Bedrooms

1.5%-90% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

12.4%-75% vs US avg

Mortgage-Free

63.3%+66% vs US avg

$173,660

Home Value

$720

Rent

1977

Year Built

2013

Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

1-unit detached61.4%
1-unit attached0.0%
2-9 units1.6%
10+ units21.5%
Mobile home & other15.5%

ZIP 32314 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32314

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