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Ruskin Real Estate Market Facts

  • $161,800Median home price
    3% lower than Florida
  • $893Median rent asked
    13% lower than Florida
  • 68.0%Home owners
    5% higher than Florida
  • 3.3People per home
    23% higher than Florida
A general summary of the real estate market in Ruskin, FL is listed above. Properties in Ruskin, FL average a cost of $161,800, which is 3% lower than the median home price for real estate located in Florida. This means that the region of Ruskin, FL is, on average, more affordable when compared to the remainder of Florida. Since tenants living in Ruskin, FL will pay an average of $893, the median rental cost is 13% lower than in Florida. 68.0% of people in Ruskin, FL own their own homes, and an average of 3.3 people inhabit each property. Ruskin, FL has many assorted real estate listings available. These range from urban townhouses to inexpensive condos to luxurious residences. We make finding homes for sale and browsing real estate listings effortless. Simply use the search function above, and obtain filtered results according to price, location, bathrooms and bedrooms.

Ruskin Home Affordability

  • $161,800Median home price
    3% lower than Florida
  • $49,814Median home income
    2% higher than Florida
  • 3.2xHome price to income ratio
    5% lower than Florida
When starting your search for real estate in Ruskin, FL, it is crucial to consider home affordability. When calculating home affordability, the ratio of home price to median household income is one of the methods that is applicable in doing so. On average, a home in Ruskin, FL costs $161,800 while each household has an average income of $49,814. Consequently, the ratio of home price to household income is 3.2x; this ratio is 5% lower than the average in Florida. Calculating the home affordability ratio involves dividing the average price of a home by the average income of homes in Ruskin, FL. When the ratio of home price to income is relatively low, the implication is that homes are more affordable on the basis of the home price in comparison with the home income. Note that besides home price to median household income ratio, there are various other factors to put into consideration when determining if home affordability exists. Check the home affordability calculator shown below to calculate how much you can afford to pay for real estate in Ruskin, FL.

Ruskin Affordability Calculator

Include PMI
You can afford a home up to:
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  • Monthly income
  • Monthly payment
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  • Income taxes
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If you are looking to purchase real estate in Ruskin, FL, it is imperative that it falls within your established budget range. Our home affordability calculation tool lets you figure out the price of your prospective home in Ruskin, FL as the calculation is based on your salary, your debts and the amount of the down payment that you have available. If you want an even more detailed report, you can include more information such as mortgage terms, rates, property taxes, homeowners insurance and HOA dues. By adding in those additional details, you will be able to see a more accurate price of a home that you will be able to afford in Ruskin, FL. This is a very useful tool because it prevents you from falling in love with a property that you will not be able to safely afford. The home affordability calculation tool is also a great way to manage your budget because you will be able to clearly see how much money you will be spending on home ownership, and how much money will be available for other livings costs and hopefully, savings.

Ruskin Mortgage Calculator

Your monthly payment will be:
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  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
What will be my monthly costs if I purchase Ruskin, FL real estate? There are various factors that determine the monthly cost of a home. Obviously, the major factor is the price of the home itself. However, beyond the price of the home,it is also important to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). For homeowners who are able to put 20% or more towards a down payment, PMI payments can be completely emlinated, which saves a home owner money. Typical mortgage calculators have preset default values for these details, but they can be altered to give a potential buyer a more accurate depiction of the estimated monthly payment. When it comes to financing, a generally accepted recommendation is to keep the DTI (debt-to-income) ratio to no more than 36 percent, which means no more than 36 percent of your gross monthly income should go to paying all debts.

Ruskin Demographics

  • 21,056Population
  • 1,169People / sq mile
  • 31.8Median age
  • 0.9:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Palm River-Clair Mel, FL22,860$104,40043%
Ellenton, FL3,154$106,10043%
Wimauma, FL6,772$112,00039%
Palmetto, FL13,138$113,50039%
Memphis, FL7,878$113,70038%
Ruskin, FL21,056$161,80012%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Grayslake, IL21,053$213,60016%
Golden Valley, MN21,040$264,90043%
Hays, KS21,073$161,80012%
Ferguson, MO21,035$87,10053%
Ashland, OR21,002$362,50096%
Ruskin, FL21,056$161,80012%
Source: The Ruskin, FL housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).