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Waldo city, FL

ZIP 32694 — 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 32694

Median Home Value
$121,300
Median Rent
$569
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$779/mo PITI).

17%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.8 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 32694 in Waldo city, FL, a household would need roughly $33,000 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 $779. That sits below the local median household income ($40,455), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.1%+12% vs US avg
x
Vacancy Rate
23.4%+127% vs US avg
x
Broadband Access
65.4%-25% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
40.1%-19% vs US avg
x
Mortgage-Free
74.8%+96% vs US avg
x
$121,300
Home Value
$569
Rent
1977
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached70.1%
  • 1-unit attached0.0%
  • 2-9 units2.9%
  • 10+ units0.9%
  • Mobile home & other26.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$121,300
Median rent$569
Owner-occupied73.1%
Vacant23.4%
Price-to-income3.0x
Est. income to buy$33,000