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Winter Beach CDP, FL

ZIP 32967 — 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 32967

Median Home Value
$394,800
Median Rent
$1,278
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,536/mo PITI).

21%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

25.7 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 32967 in Winter Beach CDP, FL, a household would need roughly $109,000 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 $2,536. That is about 48% above the local median household income ($73,875), 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

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
15.5%+50% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
5.2%-25% vs US avg
x
Rent Burden >30%
35.8%-28% vs US avg
x
Mortgage-Free
48.9%+28% vs US avg
x
$394,800
Home Value
$1,278
Rent
2004
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 detached70.8%
  • 1-unit attached6.1%
  • 2-9 units9.2%
  • 10+ units11.8%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$394,800
Median rent$1,278
Owner-occupied76.6%
Vacant15.5%
Price-to-income5.3x
Est. income to buy$109,000