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Miramar Beach CDP, FL

ZIP 32550 — 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 32550

Median Home Value
$679,800
Median Rent
$1,983
Affordability Snapshot
$187,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,367/mo PITI).

25%
Rent-to-Income Ratio

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

7.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.6 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 32550 in Miramar Beach CDP, FL, a household would need roughly $187,000 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 $4,367. That is about 94% above the local median household income ($96,269), 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 73% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.1%+18% vs US avg
x
Vacancy Rate
72.8%+607% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.9%-80% vs US avg
x
Mortgage-Free
50.8%+33% vs US avg
x
$679,800
Home Value
$1,983
Rent
1997
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached29.7%
  • 1-unit attached3.3%
  • 2-9 units13.3%
  • 10+ units51.0%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$679,800
Median rent$1,983
Owner-occupied77.1%
Vacant72.8%
Price-to-income7.1x
Est. income to buy$187,000