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Holmes Beach city, FL

ZIP 34217 — 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 34217

Median Home Value
$636,300
Median Rent
$1,617
Affordability Snapshot
$175,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,087/mo PITI).

21%
Rent-to-Income Ratio

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

7.0x
Home Price-to-Income Ratio

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

32.8 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 34217 in Holmes Beach city, FL, a household would need roughly $175,000 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 $4,087. That is about 94% above the local median household income ($90,278), 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 65% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.2%+35% vs US avg
x
Vacancy Rate
64.8%+529% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
21.1%-58% vs US avg
x
Mortgage-Free
67.5%+77% vs US avg
x
$636,300
Home Value
$1,617
Rent
1975
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached34.4%
  • 1-unit attached6.7%
  • 2-9 units31.0%
  • 10+ units22.3%
  • Mobile home & other5.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$636,300
Median rent$1,617
Owner-occupied88.2%
Vacant64.8%
Price-to-income7.0x
Est. income to buy$175,000