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Ferry Pass CDP, FL

ZIP 32514 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32514

Median Home Value
$241,300
Median Rent
$1,169
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,550/mo PITI).

21%
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.

17.2 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 32514 in Ferry Pass CDP, FL, a household would need roughly $66,000 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 $1,550. That is roughly in line with the local median household income ($66,484). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
51.6%-21% vs US avg
x
Vacancy Rate
7.2%-30% vs US avg
x
Broadband Access
92.7%+6% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$241,300
Home Value
$1,169
Rent
1985
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached57.5%
  • 1-unit attached4.1%
  • 2-9 units18.1%
  • 10+ units15.6%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$241,300
Median rent$1,169
Owner-occupied51.6%
Vacant7.2%
Price-to-income3.6x
Est. income to buy$66,000