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Lake Hamilton town, FL

ZIP 33851 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33851

Median Home Value
$175,400
Median Rent
N/A
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,127/mo PITI).

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 33851 in Lake Hamilton town, 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 $1,127. That sits below the local median household income ($77,557), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.9%+39% vs US avg
x
Vacancy Rate
14.4%+40% vs US avg
x
Broadband Access
98.7%+13% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
29.5%-23% vs US avg
x
$175,400
Home Value
N/A
Rent
1977
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached92.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,400
Median rent$-666,666,666
Owner-occupied90.9%
Vacant14.4%
Price-to-income2.3x
Est. income to buy$48,000