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ZIP 32635
Housing & Real Estate

ZIP 32635 — Housing & Real Estate

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

Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32635

Median Home Value

$282,400

Median Rent

$1,003

Affordability Snapshot

$78,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,814/mo PITI).

16%

Rent-to-Income Ratio

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

3.7x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.5 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 32635, 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 $1,814. That is roughly in line with the local median household income ($77,283). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel

Housing Metrics

Owner Occupied

83.1%+27% vs US avg

Vacancy Rate

5.0%-52% vs US avg

Broadband Access

97.1%+12% vs US avg

4+ Bedrooms

3.0%-80% vs US avg

Built Pre-1939

0.7%-95% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

26.7%-46% vs US avg

Mortgage-Free

54.0%+41% vs US avg

$282,400

Home Value

$1,003

Rent

1970

Year Built

2011

Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

1-unit detached89.9%
1-unit attached6.2%
2-9 units3.9%
10+ units0.0%
Mobile home & other0.0%

ZIP 32635 — Housing & Real Estate

Housing & Real Estate in ZIP Code 32635

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Housing & Real Estate key statistics