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Bithlo CDP, FL

ZIP 32820 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32820

Median Home Value
$386,300
Median Rent
$1,633
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,481/mo PITI).

19%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

19.7 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 32820 in Bithlo CDP, FL, a household would need roughly $106,000 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 $2,481. That is roughly in line with the local median household income ($103,675). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.5%+29% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
16.8%+13% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
7.3%-85% vs US avg
x
Mortgage-Free
27.3%-29% vs US avg
x
$386,300
Home Value
$1,633
Rent
2004
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached79.8%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other19.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,300
Median rent$1,633
Owner-occupied84.5%
Vacant5.3%
Price-to-income3.7x
Est. income to buy$106,000