Median home value is about $637,300 — about 83% above the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $1,845 (about 59% above the U.S. median rent ($1,163)), and owner-occupancy near 58.7% (about 6.7 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 32836 in Doctor Phillips, FL, a household would need roughly $175,000 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 $4,094. That is about 56% above the local median household income ($111,921), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.