CALCMONEY // MORTGAGE // FL // PONTE VEDRA BEACH // 32082
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 32082 in Ponte Vedra Beach, FL.
$900,000
$720,000
$5,670
$243,016/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $900,000 | $810,000 | $5,308 | $6,260 | 6.85% |
| 20% Down | $900,000 | $720,000 | $4,718 | $5,670 | 6.85% |
| 25% Down | $900,000 | $675,000 | $4,423 | $5,375 | 6.85% |
Total monthly includes principal & interest, property tax (0.87% annual), and estimated homeowners insurance. PMI not included.
Ponte Vedra Beach (ZIP 32082) sits within Ponte Vedra Beach, Florida with a median home price of $900,000 — significantly above the Ponte Vedra Beach city-wide median of $900,000. At 80% LTV, the typical loan of $720,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 32082 run 0.87% annually, adding $653 per month on the median home. Median household income in this neighborhood is approximately $130,000, placing the price-to-income ratio at 6.9x. Florida has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.