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East Lake CDP, FL

ZIP 34685 — 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 34685

Median Home Value
$479,400
Median Rent
$1,726
Affordability Snapshot
$132,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,080/mo PITI).

24%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

23.1 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 34685 in East Lake CDP, FL, a household would need roughly $132,000 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 $3,080. That is about 51% above the local median household income ($87,658), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.7%+17% vs US avg
x
Vacancy Rate
8.1%-22% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
45.5%+19% vs US avg
x
$479,400
Home Value
$1,726
Rent
1992
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 detached55.0%
  • 1-unit attached13.1%
  • 2-9 units10.1%
  • 10+ units21.7%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$479,400
Median rent$1,726
Owner-occupied76.7%
Vacant8.1%
Price-to-income5.5x
Est. income to buy$132,000