ZIP Code Tabulation Area
ZIP area 32413, Bay County, Florida: rent, home value and fair market rent
ZCTA 32413 is the U.S. Census Bureau's statistical area for ZIP code 32413, in Bay County, Florida. It has about 7,530 occupied homes, 29.8% of them renter-occupied (Census ACS 2020-2024).
Census American Community Survey
Key figures for ZIP area 32413
Census ACS five-year estimates for ZCTA 32413, 2020–2024.
- Median gross rent
- $1,700 per monthRenter homes paying cash rent; rent plus utilities · Census table B25064
- Median home value
- $441,000Owner-occupied homes; the owner's estimate · Census table B25077
- Median household income
- $80,000 per yearAll households; 2024 dollars · Census table B19013
- Renter-occupied homes
- 29.8% of occupied homesCensus table B25003
- Occupied homes
- About 7,530Rounded to tens · Census table B25003
- Rental vacancy rate
- 21.0%Vacant for rent, share of the rental inventory · Census table B25004
HUD Small Area Fair Market Rents
HUD fair market rents for ZIP 32413, fiscal year 2027
Fiscal year starting October 1, 2026. HUD's ZIP-level estimates at the 40th percentile of recent movers' gross rents, used to set Housing Choice Voucher payment standards in HUD-designated areas or where a housing agency opts in: a program benchmark, not the typical rent.
| Home size | Fair market rent per month |
|---|---|
| Studio (no bedroom) | $1,590 |
| 1 bedroom | $1,710 |
| 2 bedrooms | $1,860 |
| 3 bedrooms | $2,370 |
| 4 bedrooms | $2,890 |
FHFA House Price Index (developmental)
House price trend in ZIP 32413: FHFA index for 2025
From repeat sales and refinancings of single-family homes; it can be revised. Data as of March 31, 2026.
- Annual change, 2025
- +3.1%FHFA HPI, five-digit ZIP codes (developmental)
- Change over five years, 2020–2025
- +60.8%
Derived, not official statistics
MyInversorAI indicators for ZIP 32413 (derived, not official statistics)
Calculated from the medians above, which describe different groups; no margin of error is computed for them.
- Estimated gross annual yield
- 4.6%MyInversorAI estimate: 12 × median rent ÷ median value.
- Price-to-income ratio
- 5.5MyInversorAI estimate: median value ÷ median income.
- Rent-to-income ratio
- 25.5%MyInversorAI estimate: 12 × median rent ÷ median income.At or below HUD's 30% cost-burden line.
They describe the area, not a home, and promise no return.
ZIP area and state
ZIP 32413 compared with Florida
Difference calculated by MyInversorAI.
| Median | ZIP 32413 | Florida | Difference |
|---|---|---|---|
| Gross rent (per month) | $1,700 | $1,669 | +2% |
| Home value | $441,000 | $359,000 | +23% |
| Household income (per year) | $80,000 | $74,568 | +7% |
Within the state
Where ZIP 32413 ranks in Florida
Among the ZIP areas of Florida with a published value; ranked by MyInversorAI.
- Median gross rent: tied with 9 others for 361st highest of 853 ZIP areas, above 56% of the others.
- Median home value: tied with 2 others for 226th highest of 898 ZIP areas, above 74% of the others.
- Median household income: tied with 2 others for 348th highest of 906 ZIP areas, above 61% of the others.
- Rental vacancy rate: 34th highest of 736 ZIP areas, above 95% of the others.
Same main county
ZIP areas of Bay County with the closest median rent
Main county by area (Census 2020 ZCTA to County Relationship File).
| ZIP area | Median gross rent | Rent vs ZIP 32413 | Median home value | Value vs ZIP 32413 | Gross yield (MyInversorAI estimate) |
|---|---|---|---|---|---|
| ZIP 32407 | $1,840 | +$140 | $404,000 | −$37,000 | 5.5% |
| ZIP 32408 | $1,580 | −$120 | $382,000 | −$59,000 | 5.0% |
| ZIP 32405 | $1,470 | −$230 | $280,000 | −$161,000 | 6.3% |
| ZIP 32444 | $1,470 | −$230 | $331,000 | −$110,000 | 5.3% |
| ZIP 32404 | $1,400 | −$300 | $274,000 | −$167,000 | 6.1% |
| ZIP 32401 | $1,150 | −$550 | $231,000 | −$210,000 | 6.0% |
Quotable facts
Key facts about ZIP 32413
- In ZIP Code Tabulation Area 32413, the median gross rent was $1,700 a month and the median home value $441,000 in the Census ACS 2020-2024.
- Its median household income was $80,000 a year, and most of its roughly 7,530 occupied homes were owner-occupied, with renters in 29.8%.
- Its median gross rent is about the same as the Florida median ($1,669).
- Its median home value is 23% higher than the Florida median ($359,000).
- HUD's two-bedroom fair market rent in ZIP 32413 (fiscal year 2027) is $1,860 a month, 9% above the ACS median gross rent ($1,700).
- FHFA's developmental index for ZIP 32413 rose 3.1% in 2025 and 60.8% over five years.
- Its ACS rental vacancy rate was 21.0%, higher than in 95% of the other 735 Florida ZIP areas with a published rate.
- Its median household income is tied with 2 others for the 348th highest of the 906 Florida ZIP areas with a published figure.
Sources and method
Where the figures come from
- Source: U.S. Census Bureau, American Community Survey 5-year estimates. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
- Source: U.S. Department of Housing and Urban Development, Small Area Fair Market Rents. This product uses the HUD User Data API but is not endorsed or certified by HUD User.
- Source: Federal Housing Finance Agency, House Price Index (five-digit ZIP codes, developmental).
- Source: U.S. Census Bureau, 2020 ZCTA to County Relationship File.
Rounded: ZIP-level ACS rents to $10, values to $1,000 and incomes to $100; state medians as published. No private listing data, forecasts or scores.
Caveats
Before you use these figures
A ZIP Code Tabulation Area does not always cover the same homes as the USPS ZIP code. Census medians with a coefficient of variation above 30%, or top- or bottom-coded, are not shown. Fair market rents are a HUD benchmark, not the typical rent. The main county holds the largest part of the area, not necessarily most residents.
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Educational information
Not financial, tax or legal advice
These pages summarize published statistics for education. They are not a forecast, an appraisal, or financial, tax, lending or legal advice, and they do not promise any return. Estimates have margins of error and can be revised by their publishers. Verify the figures that matter to your decision.