US5.com
  1. Home
  2. States
  3. Florida
  4. ZIP 32435
  5. Housing & Real Estate
DeFuniak Springs city, FL

ZIP 32435 — 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 32435

Median Home Value
$185,600
Median Rent
$567
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,192/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.3 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 32435 in DeFuniak Springs city, FL, a household would need roughly $51,000 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 $1,192. That sits below the local median household income ($63,017), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.9%+27% vs US avg
x
Vacancy Rate
11.4%+11% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
3.3%-53% vs US avg
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
59.3%+55% vs US avg
x
$185,600
Home Value
$567
Rent
1983
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached75.1%
  • 1-unit attached0.0%
  • 2-9 units6.2%
  • 10+ units0.3%
  • Mobile home & other18.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$185,600
Median rent$567
Owner-occupied82.9%
Vacant11.4%
Price-to-income2.9x
Est. income to buy$51,000