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University CDP, FL

ZIP 32817 — 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 32817

Median Home Value
$327,800
Median Rent
$1,508
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,106/mo PITI).

23%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

18.1 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 32817 in University CDP, FL, a household would need roughly $90,000 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 $2,106. That is roughly in line with the local median household income ($78,546). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.4%-14% vs US avg
x
Vacancy Rate
11.2%+9% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
32.9%-34% vs US avg
x
Mortgage-Free
37.4%-2% vs US avg
x
$327,800
Home Value
$1,508
Rent
1990
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 detached62.6%
  • 1-unit attached2.7%
  • 2-9 units11.0%
  • 10+ units20.6%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$327,800
Median rent$1,508
Owner-occupied56.4%
Vacant11.2%
Price-to-income4.2x
Est. income to buy$90,000