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ZIP 32345
Housing & Real Estate

ZIP 32345 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32345

Median Home Value

$196,400

Median Rent

$576

Affordability Snapshot

$54,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,262/mo PITI).

12%

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.

28.4 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 32345, a household would need roughly $54,000 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 $1,262. That is roughly in line with the local median household income ($56,250). 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

72.7%+11% vs US avg

Vacancy Rate

8.1%-21% vs US avg

Broadband Access

76.0%-13% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

12.1%-5% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

20.0%-60% vs US avg

Mortgage-Free

57.1%+49% vs US avg

$196,400

Home Value

$576

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 detached77.6%
1-unit attached0.9%
2-9 units4.0%
10+ units3.7%
Mobile home & other13.8%

ZIP 32345 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32345

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