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Tavares city, FL

ZIP 32778 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32778

Median Home Value
$241,500
Median Rent
$1,073
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,551/mo PITI).

21%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

18.8 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 32778 in Tavares city, FL, a household would need roughly $66,000 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 $1,551. That is roughly in line with the local median household income ($61,815). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.0%+19% vs US avg
x
Vacancy Rate
12.5%+21% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
26.1%-47% vs US avg
x
Mortgage-Free
56.1%+47% vs US avg
x
$241,500
Home Value
$1,073
Rent
1991
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached56.0%
  • 1-unit attached4.5%
  • 2-9 units6.3%
  • 10+ units7.1%
  • Mobile home & other26.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$241,500
Median rent$1,073
Owner-occupied78.0%
Vacant12.5%
Price-to-income3.9x
Est. income to buy$66,000