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Port St. Joe city, FL

ZIP 32456 — 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 32456

Median Home Value
$338,100
Median Rent
$1,082
Affordability Snapshot
$93,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,172/mo PITI).

18%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

26.0 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 32456 in Port St. Joe city, FL, a household would need roughly $93,000 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 $2,172. That is about 26% above the local median household income ($73,723), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.2%+24% vs US avg
x
Vacancy Rate
43.1%+319% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
22.0%-56% vs US avg
x
Mortgage-Free
60.8%+59% vs US avg
x
$338,100
Home Value
$1,082
Rent
2001
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached75.8%
  • 1-unit attached3.2%
  • 2-9 units10.4%
  • 10+ units3.8%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$338,100
Median rent$1,082
Owner-occupied81.2%
Vacant43.1%
Price-to-income4.6x
Est. income to buy$93,000