Fort Mc Coy, FL—32134
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Fort Mc Coy, FL
As of Oct '25, the median home price in Fort Mc Coy, FL is $148,000, with a year-over-year change of -8.1%. This indicates that home prices in Fort Mc Coy, FL are decreasing. According to Zillow, the 1-year price projection is 0.2%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $148,000 | -8.1% |
| Single Family | $179,000 | -7.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $87,000 | -14.7% |
2 Bed | $140,000 | -8.5% |
3 Bed | $272,000 | -2.2% |
4 Bed | $404,000 | -1.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Fort Mc Coy, FL
As of July '25, Rentcast reports the average rent in Fort Mc Coy, FL is $1,310, with a year-over-year rent change of -27.6%. Per bedroom, the median rent as of July '25 in Fort Mc Coy, FL is 1-bedrooms: $670, 2-bedrooms: $1,500, 3-bedrooms: $1,750. The most common rental property sizes in Fort Mc Coy, FL are 3-bedroom and 2-bedroom, accounting for 65.3% and 17.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,500 | $1,310 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $670 | $670 |
| 2 Bed Rent | $1,500 | $1,500 |
| 3 Bed Rent | $1,750 | $1,750 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Fort Mc Coy, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Fort Mc Coy, FL is 65. This is a decrease of -17.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 19.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $289,000 | -6.0% |
Listing Count | 53 | 2.0% |
| Listings as % of Homes | 0.6% | 2.0% |
Days on Market | 65 | -17.0% |
Demographics — Fort Mc Coy, FL
As of the latest ACS Survey released in 2023, Fort Mc Coy, FL has a population of 7,400, which has remained stable by 0.3% over the past 5 years. Fort Mc Coy, FL is a moderately popular place for families, as children make up 15.6% of the population. The area has a poorly educated workforce, with 11.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,400 | 0.3% |
% Under 18 | 15.6% | -9.3% |
% Seniors | 32.9% | 15.8% |
% WFH | 16.7% | 33.6% |
% w/ College Degree | 11.4% | 25.3% |
As of the latest ACS Survey released in 2023, Fort Mc Coy, FL is a predominantly white area, with 91.3% of the population identifying as white. The white population has shrunk by 0.4% in the last 5 years. The second most common race or ethnicity in Fort Mc Coy, FL is hispanic, making up 4.8% of the population. Foreign-born residents account for 3.5% of the population in Fort Mc Coy, FL, and this percentage has decreased by 2.8% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.3% | -0.4% |
% Black | 0.9% | 80.0% |
% Hispanic | 4.8% | -18.6% |
% Asian | 0.9% | -10.0% |
% Foreign Born | 3.5% | -2.8% |
Mortgage and Risk — Fort Mc Coy, FL
According to HUD data as of 2023, there were 179 mortgage originations in Fort Mc Coy, FL, of which 68.0% of loans were conventional mortgages. The average loan-to-value was 73.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Fort Mc Coy, FL. Investor activity is low, as 2.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 179 |
% Conventional Loans | 68.0% |
% Government Loans | 32.0% |
% Investor Loans | 2.0% |
% Second Loans | 9.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Fort Mc Coy, FL
Fort Mc Coy, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 21 |
Total Units Section 8 | 20 |
% Rentals under Section 8 | 4.1% |
% Occupied Section 8 | 72.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $810 | $670 | $1,480 |
| 2 Bedroom | $180 | $1,500 | $1,680 |
| 3 Bedroom | $380 | $1,750 | $2,130 |
| 4 Bedroom | N/A | N/A | $2,570 |
Affordability — Fort Mc Coy, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $148,000 |
| Median Household Income | $46,400 |