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Gainesville city, FL

ZIP 32641 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32641

Median Home Value
$123,600
Median Rent
$726
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$794/mo PITI).

24%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

14.2 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 32641 in Gainesville city, FL, a household would need roughly $34,000 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 $794. That is roughly in line with the local median household income ($36,814). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.1%-10% vs US avg
x
Vacancy Rate
12.2%+19% vs US avg
x
Broadband Access
75.6%-13% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
29.6%-40% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$123,600
Home Value
$726
Rent
1974
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 detached72.2%
  • 1-unit attached0.1%
  • 2-9 units14.9%
  • 10+ units7.6%
  • Mobile home & other5.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$123,600
Median rent$726
Owner-occupied59.1%
Vacant12.2%
Price-to-income3.4x
Est. income to buy$34,000