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Gainesville city, FL

ZIP 32601 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32601

Median Home Value
$284,200
Median Rent
$929
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,826/mo PITI).

36%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

9.2x
Home Price-to-Income Ratio

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

25.5 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 32601 in Gainesville city, FL, a household would need roughly $78,000 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 $1,826. That is about 153% above the local median household income ($30,878), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
23.7%-64% vs US avg
x
Vacancy Rate
9.7%-5% vs US avg
x
Broadband Access
81.0%-7% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
43.4%-13% vs US avg
x
Mortgage-Free
41.1%+8% vs US avg
x
$284,200
Home Value
$929
Rent
1975
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached29.6%
  • 1-unit attached3.7%
  • 2-9 units16.3%
  • 10+ units48.7%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$284,200
Median rent$929
Owner-occupied23.7%
Vacant9.7%
Price-to-income9.2x
Est. income to buy$78,000