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Lynn Haven city, FL

ZIP 32409 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32409

Median Home Value
$221,500
Median Rent
$1,016
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,423/mo PITI).

20%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

18.2 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 32409 in Lynn Haven city, FL, a household would need roughly $61,000 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 $1,423. That is roughly in line with the local median household income ($60,687). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.7%+40% vs US avg
x
Vacancy Rate
11.3%+9% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
3.7%-47% vs US avg
x
Rent Burden >30%
21.5%-57% vs US avg
x
Mortgage-Free
53.4%+40% vs US avg
x
$221,500
Home Value
$1,016
Rent
1998
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached56.3%
  • 1-unit attached0.6%
  • 2-9 units0.4%
  • 10+ units2.4%
  • Mobile home & other40.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$221,500
Median rent$1,016
Owner-occupied91.7%
Vacant11.3%
Price-to-income3.6x
Est. income to buy$61,000