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ZIP 32860 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32860

Median Home Value
$282,200
Median Rent
$952
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,813/mo PITI).

28%
Rent-to-Income Ratio

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

6.9x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

24.7 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 32860, a household would need roughly $78,000 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 $1,813. That is about 91% above the local median household income ($40,885), 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
33.7%-48% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
83.5%-4% vs US avg
x
4+ Bedrooms
1.3%-92% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
23.6%-38% vs US avg
x
$282,200
Home Value
$952
Rent
1970
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached48.7%
  • 1-unit attached6.4%
  • 2-9 units24.6%
  • 10+ units16.0%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$282,200
Median rent$952
Owner-occupied33.7%
Vacant7.5%
Price-to-income6.9x
Est. income to buy$78,000