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ZIP 34712 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34712

Median Home Value
$340,600
Median Rent
$1,159
Affordability Snapshot
$94,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,188/mo PITI).

27%
Rent-to-Income Ratio

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

6.7x
Home Price-to-Income Ratio

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

24.5 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 34712, a household would need roughly $94,000 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 $2,188. That is about 85% above the local median household income ($50,781), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
40.9%-37% vs US avg
x
Vacancy Rate
8.7%-15% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
9.7%-35% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.1%-37% vs US avg
x
Mortgage-Free
38.4%+1% vs US avg
x
$340,600
Home Value
$1,159
Rent
1986
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached50.9%
  • 1-unit attached13.6%
  • 2-9 units19.5%
  • 10+ units16.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$340,600
Median rent$1,159
Owner-occupied40.9%
Vacant8.7%
Price-to-income6.7x
Est. income to buy$94,000