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ZIP 32644 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32644

Median Home Value
$212,900
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 (~$1,368/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

26.2 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 32644, 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 $1,368. That sits below the local median household income ($69,324), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.0%+4% vs US avg
x
Vacancy Rate
16.5%+60% vs US avg
x
Broadband Access
69.5%-20% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
17.6%-65% vs US avg
x
Mortgage-Free
52.1%+36% vs US avg
x
$212,900
Home Value
$678
Rent
1986
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached57.6%
  • 1-unit attached1.2%
  • 2-9 units16.1%
  • 10+ units0.7%
  • Mobile home & other24.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$212,900
Median rent$678
Owner-occupied68.0%
Vacant16.5%
Price-to-income3.1x
Est. income to buy$59,000