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Chumuckla CDP, FL

ZIP 32565 — 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 32565

Median Home Value
$214,700
Median Rent
$678
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,379/mo PITI).

11%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.4 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 32565 in Chumuckla CDP, FL, a household would need roughly $59,000 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 $1,379. That sits below the local median household income ($76,838), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.4%+23% vs US avg
x
Vacancy Rate
19.2%+87% vs US avg
x
Broadband Access
84.5%-3% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
19.5%-61% vs US avg
x
Mortgage-Free
44.1%+16% vs US avg
x
$214,700
Home Value
$678
Rent
1985
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached81.0%
  • 1-unit attached0.1%
  • 2-9 units2.3%
  • 10+ units0.7%
  • Mobile home & other15.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$214,700
Median rent$678
Owner-occupied80.4%
Vacant19.2%
Price-to-income2.8x
Est. income to buy$59,000