The Most Affordable Zip Codes to Buy a Home in Florida

A home is affordable when its price is low compared with what local households earn. In the typical Florida zip code, the median home costs 4.7 times the median household income. In the zip codes below it is closer to 2.7 times, led by Bowling Green (33834), where the median home costs $113,500 and the median household income is $58,364.

Most affordable

1.9x

Bowling Green (33834)

Typical Florida zip

4.7x

home value to income

Least affordable

17.3x+

Naples (34102)

Most top-25 zips

rural, outside metro areas

Home Value Compared With Income

The 15 Florida zip codes where the median home value is lowest compared with the median household income. Lower is more affordable.

What the List Shows

Affordability is not the same as cheap. Hastings (32145) has the highest median household income in the top 25 at $81,931, but home values there are low enough compared with incomes to make the list. At the other end of the state, Naples (34102) has a median home value of more than $2,000,000 against a median household income of $115,927, a ratio of at least 17.3.

By area, 13 of the 25 are in rural zip codes outside any metro area; Tampa-St. Petersburg-Clearwater has 4 of the 25; Gainesville has 2 of the 25.

Full Top 25

Select a zip code to see its full profile, or a column heading to sort.

Rank	Zip	Town	Metro area	Value to income	Home value	Median income	Median rent	Owner occupied
1	33834	Bowling Green	Rural	1.9	$113,500	$58,364	$1,014	72.2%
2	32440	Graceville	Rural	2.1	$115,700	$53,974	$832	67.6%
3	33541	Zephyrhills	Tampa-St. Petersburg-Clearwater	2.3	$126,000	$55,556	$1,233	86.0%
4	32052	Jasper	Rural	2.4	$115,800	$48,722	$729	81.4%
5	32460	Sneads	Rural	2.5	$116,400	$46,990	$785	73.2%
6	32148	Interlachen	Palatka	2.5	$112,300	$45,320	$778	81.0%
7	32348	Perry	Rural	2.5	$122,600	$48,343	$1,031	74.5%
8	33540	Zephyrhills	Tampa-St. Petersburg-Clearwater	2.6	$142,800	$55,426	$1,107	88.6%
9	32448	Marianna	Rural	2.6	$110,800	$42,385	$856	67.9%
10	32680	Old Town	Rural	2.6	$124,300	$47,547	$826	86.5%
11	33493	South Bay	Miami-Fort Lauderdale-West Palm Beach	2.6	$137,000	$52,404	$1,085	60.7%
12	32113	Citra	Ocala	2.7	$167,100	$62,401	$1,278	86.3%
13	32347	Perry	Rural	2.7	$112,400	$41,750	$955	72.9%
14	32621	Bronson	Gainesville	2.7	$142,700	$52,840	$812	83.5%
15	33903	North Fort Myers	Cape Coral-Fort Myers	2.7	$152,300	$56,317	$1,349	82.4%
16	32465	Wewahitchka	Rural	2.7	$160,200	$59,148	$827	78.9%
17	32066	Mayo	Rural	2.7	$168,300	$61,650	$919	74.7%
18	32054	Lake Butler	Rural	2.8	$185,100	$67,044	$866	77.8%
19	32425	Bonifay	Rural	2.8	$123,600	$44,651	$875	75.5%
20	32466	Youngstown	Panama City-Panama City Beach	2.8	$179,600	$64,699	$1,231	84.0%
21	32321	Bristol	Rural	2.8	$148,600	$53,491	$928	80.9%
22	32145	Hastings	Jacksonville	2.8	$229,200	$81,931	$1,113	70.1%
23	32619	Bell	Gainesville	2.8	$175,200	$62,045	$690	87.5%
24	33771	Largo	Tampa-St. Petersburg-Clearwater	2.8	$171,100	$60,139	$1,436	64.5%
25	33716	Saint Petersburg	Tampa-St. Petersburg-Clearwater	2.9	$209,800	$73,576	$1,809	20.3%

A Closer Look at the Top 10

#133834, Bowling Green

The median home is valued at $113,500, 1.9 times the median household income of $58,364. Median rent is $1,014 a month. 72.2% of homes are owner occupied.

#232440, Graceville

The median home is valued at $115,700, 2.1 times the median household income of $53,974. Median rent is $832 a month. 67.6% of homes are owner occupied.

#333541, Zephyrhills

The median home is valued at $126,000, 2.3 times the median household income of $55,556. Median rent is $1,233 a month. 86.0% of homes are owner occupied.

#432052, Jasper

The median home is valued at $115,800, 2.4 times the median household income of $48,722. Median rent is $729 a month. 81.4% of homes are owner occupied.

#532460, Sneads

The median home is valued at $116,400, 2.5 times the median household income of $46,990. Median rent is $785 a month. 73.2% of homes are owner occupied.

#632148, Interlachen

The median home is valued at $112,300, 2.5 times the median household income of $45,320. Median rent is $778 a month. 81.0% of homes are owner occupied.

#732348, Perry

The median home is valued at $122,600, 2.5 times the median household income of $48,343. Median rent is $1,031 a month. 74.5% of homes are owner occupied.

#833540, Zephyrhills

The median home is valued at $142,800, 2.6 times the median household income of $55,426. Median rent is $1,107 a month. 88.6% of homes are owner occupied.

#932448, Marianna

The median home is valued at $110,800, 2.6 times the median household income of $42,385. Median rent is $856 a month. 67.9% of homes are owner occupied.

#1032680, Old Town

The median home is valued at $124,300, 2.6 times the median household income of $47,547. Median rent is $826 a month. 86.5% of homes are owner occupied.

Frequently Asked Questions

What is the most affordable zip code in Florida for buying a home?

Bowling Green (33834), where the median home value is 1.9 times the median household income.

What is a typical home value to income ratio in Florida?

In the typical Florida zip code with at least 5,000 residents, the median home costs 4.7 times the median household income.

Why measure affordability this way?

A low price alone does not mean a home is affordable. Comparing home values with local incomes shows how much house a typical household in that zip code can realistically buy.

How We Ranked These Zip Codes

We divided each zip code’s median home value by its median household income and ranked from lowest to highest. We included Florida zip codes with at least 5,000 residents and a median home value of at least $100,000. The value floor excludes a few zip codes where most homes are mobile homes, which makes values look far lower than the cost of a typical site-built house.

Source: U.S. Census Bureau, American Community Survey 5-year estimates. Explore any Florida zip code on the Florida zip code page.