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Crystal Springs CDP, FL

ZIP 33540 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33540

Median Home Value
$120,600
Median Rent
$886
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$775/mo PITI).

19%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.3 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 33540 in Crystal Springs CDP, FL, a household would need roughly $33,000 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 $775. That sits below the local median household income ($55,426), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.8%+34% vs US avg
x
Vacancy Rate
15.6%+52% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
4.2%-40% vs US avg
x
Rent Burden >30%
52.7%+6% vs US avg
x
Mortgage-Free
60.1%+57% vs US avg
x
$120,600
Home Value
$886
Rent
1994
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 detached38.2%
  • 1-unit attached1.2%
  • 2-9 units0.7%
  • 10+ units5.5%
  • Mobile home & other54.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,600
Median rent$886
Owner-occupied87.8%
Vacant15.6%
Price-to-income2.2x
Est. income to buy$33,000