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Mary Esther city, FL

ZIP 32569 — 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 32569

Median Home Value
$296,400
Median Rent
$1,248
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,904/mo PITI).

20%
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.

19.8 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 32569 in Mary Esther city, FL, a household would need roughly $82,000 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 $1,904. That is roughly in line with the local median household income ($73,762). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.2%+4% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
2.0%-70% vs US avg
x
Rent Burden >30%
21.1%-58% vs US avg
x
Mortgage-Free
33.0%-14% vs US avg
x
$296,400
Home Value
$1,248
Rent
1985
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 detached78.5%
  • 1-unit attached3.3%
  • 2-9 units6.5%
  • 10+ units7.3%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$296,400
Median rent$1,248
Owner-occupied68.2%
Vacant10.0%
Price-to-income4.0x
Est. income to buy$82,000