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, FL

ZIP 32438 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32438

Median Home Value
$127,900
Median Rent
$550
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$822/mo PITI).

16%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

19.4 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 32438 in FL, a household would need roughly $35,000 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 $822. That sits below the local median household income ($42,417), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.6%+29% vs US avg
x
Vacancy Rate
10.3%-0% vs US avg
x
Broadband Access
78.7%-10% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
3.3%-53% vs US avg
x
Rent Burden >30%
4.9%-90% vs US avg
x
Mortgage-Free
63.9%+67% vs US avg
x
$127,900
Home Value
$550
Rent
1997
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached27.9%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units1.0%
  • Mobile home & other71.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$127,900
Median rent$550
Owner-occupied84.6%
Vacant10.3%
Price-to-income3.0x
Est. income to buy$35,000