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Lake Butler CDP, FL

ZIP 34786 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34786

Median Home Value
$621,300
Median Rent
$2,045
Affordability Snapshot
$171,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,991/mo PITI).

19%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.3 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 34786 in Lake Butler CDP, FL, a household would need roughly $171,000 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 $3,991. That is about 30% above the local median household income ($131,409), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.7%+13% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
97.5%+12% vs US avg
x
4+ Bedrooms
18.4%+24% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
31.5%-18% vs US avg
x
$621,300
Home Value
$2,045
Rent
2006
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 detached67.6%
  • 1-unit attached12.0%
  • 2-9 units3.8%
  • 10+ units15.5%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$621,300
Median rent$2,045
Owner-occupied73.7%
Vacant14.8%
Price-to-income4.7x
Est. income to buy$171,000