Florida

Union County

ZIP 32697

15,551 residents45 permits TTM$64,922 median HHI3 ZIP codesUpdated April 16, 2026
Investor first look

Median home value

$160,400

ACS 5-Year

Cap rate proxy

6.3%

FMR × 0.65 ÷ Home Value

Rent-to-income

15.6%

HUD FMR ÷ ACS HHI

Net migration

+1.90%

IRS SOI

Permits (TTM)

45

Census BPS

Climate risk

10.9

FEMA NRI (0–100)

ZIP 32697

Median home value

$160,400

Gross yield

8.5%

Cap rate

6.3%

Rent gap

25.3%

Affordability

P/I: 2.5R/I:

Section 8 detail

SAFMR: $1,132Rent: $846Gap: 33.8%
ZIP code breakdown3 ZIP codes

Numbers repeat across most ZIPs in this county

ZIP-level home-value data isn't published for rural areas. Federal sources (Census ACS, HUD non-metro FMR) are available at the county level only, so home-value, cap-rate, and rent-gap numbers use the county estimate for every ZIP in the county.

ZIPMedian home valueRent (FMR 2BR)Gross yieldCap rateRent gap
32083$160,400county est.$1,1328.5%6.3%25.3%
32697$160,400county est.$1,1328.5%6.3%25.3%
32054$273,934$1,1325.0%3.7%25.3%

Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.

Demographics

Owner-occupied

73.6%

Census ACS

Vacancy rate

12.2%

Census ACS

Bachelor's degree +

10.0%

Census ACS

Rent burdened

27.6%

Census ACS (>30% income)

Median age

40.1

Census ACS

Data sources
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026