Median home value in zip code 32909 (Palm Bay, FL) is $314,394, down 3.9% year over year. Part of the Palm Bay-Melbourne-Titusville, FL metropolitan area.

Home Value$314,394

YoY Change

-3.9%

Prices falling — better for buyers.

Affordability

Enter your income for 32909 (Palm Bay).

Income (annual)

Down Payment

$62,879 on $314,394

Example: $75,000 household income. Change it above to see your own.

Stretch34.6% of income

Above 28% but manageable with cuts.

PITI$2,165

P/I34.6%

Afford$254K

Gap-$60K

P&I $1,590Tax $225Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

32909 is part of the Palm Bay-Melbourne-Titusville, FL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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