Caryville · Washington County, FL · 1,382 properties with county records
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Caryville 32427 is in Washington County, FL, part of the Panama City Metro. The typical home value in Caryville 32427 is $195,166 (Zillow Home Value Index, August 2026), down 2.3% from a year earlier. Homes that sold went under contract in a median 71 days, and 0% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 32427 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Washington County's 3 ZIPs with a Zillow value, the middle one is $195,166, so 32427 sits right at the county middle. Lotvox holds county assessor records for 1,382 properties in 32427.
Headline value data through August 2026. Each source below carries its own date.
Is 32427 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 32427 is a balanced market. Homes went under contract in a median 71 days.
What do homes in 32427 sell for?
The typical home value in 32427 is $195,166 (Zillow Home Value Index, August 2026), down 2.3% in a year. County records put the median at about $91 per square foot (computed Apr 21, 2026).
Who is likely to sell in 32427?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 32427 has not passed that test yet. When it does, the score appears here.
How does 32427 compare to Washington County?
32427's typical value of $195,166 compares with a middle value of $195,166 across Washington County's 3 ZIPs. Both are Zillow Home Value Index figures for August 2026.
Where does this 32427 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 32427 Caryville, FL, data through August 2026, https://lotvox.com/panama-city/zip/32427
Listings Flow Ladder — 32427
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Aug 31, 2026
Thin market — under 25 active listings; ratios withheld
Faucet — new listings
0/mo
100% of normal (0) · normal· baseline thin
Basin — active listings
1
50% of normal (2) · low· baseline thin
Months of supply
—
derived — not published at this grain
Drain — closed sales
—/mo
— of normal (0)· baseline thin
Net — faucet minus drain
—
—
Reading
current
as of 2026-08-31
Compare against:2015-01-01 to 2019-12-31 · 5 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
—Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
—Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
—/mofall in the monthly rate (%)— peak 1/mo (2024-09-30) to —/mo now
1transactions that did not happen— summed monthly shortfall vs the same-month normal, over 2 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-08-31
Redfin market data (county + ZIP), via Lotvox. As of 2026-08-31. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (0 new, 4 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
64affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Balanced Market
Score Components
Payment Burden (25%)0
Valuation Gap (25%)100
Buy vs Rent (15%)50
Days on Market (5%)100
Balanced market in 32427. List price is roughly fair — focus on condition and value. Payment burden: 21.9% of median income. Median days on market: 151. Renting is approximately 57% cheaper than buying (price-to-rent ratio: 18.8). Market appears 58% overpriced vs. assessed values.
Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGBALANCED
Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 2.3% YoY.
Address lookup
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estimated monthly P&I at the CURRENT rate (7.4% as of 2026-10-08), held constant — 20% down, 30yr fixed
as of 2026-08-31 · Zillow ZHVI + FRED MORTGAGE30US (fred, as of 2026-10-08) + Census median household income
Real Home Values
$195,166in 2026-08 dollars (nominal $195,166)
real (2026-08 = 100 deflator)nominal
price basis: Zillow ZHVI
as of 2026-08-31 · Zillow ZHVI + CPI (national deflator)
Listings Flow Ladder
New listings
0.333
Active listings
1
Closed sales
—
Net flow
—
months of supply — (balanced band 4–6) · THIN market
new listingsclosed sales
as of 2026-08-31 · Redfin market data (county + ZIP), via Lotvox
Migration vs Inventory
county migration (parent)
-17net migration (2022-2023), losing — households
in 404 · out 421 · Washington County, FL (parent county of this ZIP)
active inventory
as of 2026-06-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Washington.
Current tiers · 12 months to Aug 25floor 10 sales/tier
1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row. 5 tiers had too few sales at every level and are left blank rather than estimated.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$78k
$100
15
88.2%
ZIP
$250k–$500k
$300k
$153
98
—
COUNTY · Washington, FL
$500k–$750k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$750k–$1M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1M–$1.5M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1.5M–$2M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$2M+
—
—
—
—
fewer than 10 sales at zip, county and metro level
All sales (the headline median)
$95k
$109
17
100%
ZIP
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 32427.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 32427→Washington County, FL
12-Month Direction
0Stable
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
42· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
23.5%
affordable
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08
Price-to-rent
18.6x
neutral
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation23
+55.3%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Insurance Risk
45/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
5.4%
FL 4.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0845d ago
Poverty Rate
16.8%
FL 12.4%US 12.6%
Higher than many comparable counties
Median Household Income
$52,723
FL $72,373US $82,006
Lower than many comparable counties
Cost of Living (RPP)
101.2
FL 101.2US 100.3
Near national averages
Home Value (ZHVI)$225,216
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
11.9% in 2023
of owner-occupied homes have a householder 75 or older
