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Cocoa city, FL

ZIP 32922 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32922

Median Home Value
$176,100
Median Rent
$929
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,131/mo PITI).

24%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

15.8 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 32922 in Cocoa city, FL, a household would need roughly $48,000 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 $1,131. That is roughly in line with the local median household income ($46,138). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.9%-18% vs US avg
x
Vacancy Rate
19.6%+91% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
28.5%-43% vs US avg
x
Mortgage-Free
48.2%+26% vs US avg
x
$176,100
Home Value
$929
Rent
1965
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 detached54.6%
  • 1-unit attached3.4%
  • 2-9 units12.3%
  • 10+ units20.9%
  • Mobile home & other8.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,100
Median rent$929
Owner-occupied53.9%
Vacant19.6%
Price-to-income3.8x
Est. income to buy$48,000