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Vernon city, FL

ZIP 32462 — 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 32462

Median Home Value
$174,600
Median Rent
$620
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,122/mo PITI).

17%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

23.5 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 32462 in Vernon city, FL, a household would need roughly $48,000 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 $1,122. That is roughly in line with the local median household income ($43,581). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.0%+21% vs US avg
x
Vacancy Rate
18.5%+79% vs US avg
x
Broadband Access
75.5%-13% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
21.6%-56% vs US avg
x
Mortgage-Free
66.6%+74% vs US avg
x
$174,600
Home Value
$620
Rent
1988
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached56.2%
  • 1-unit attached0.5%
  • 2-9 units0.6%
  • 10+ units0.2%
  • Mobile home & other42.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,600
Median rent$620
Owner-occupied79.0%
Vacant18.5%
Price-to-income4.0x
Est. income to buy$48,000