ZIP 33909

33909 is one of 34 ZIP codes that lie mostly in Lee County, FL.

Shaded by typical home value, it ranks 22 of the 33 with a value.

3 school locations in 33909: 1 elementary, 1 middle, 1 high.

In alphabetical order: DIPLOMAT ELEMENTARY SCHOOL, DIPLOMAT MIDDLE SCHOOL, ISLAND COAST HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33909 was worth $89,300.

Values peaked at $359,928 in August 2022. The latest reading is −18.5% from that peak.

As of August 2026: $293,459, −4.6% over twelve months.

Start with the typical home: $293,459. Put 20% down and borrow $234,767 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,625 a month in principal and interest.

The median household here earns $79,096 a year, $6,591 a month. So the payment takes 24.7% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 7.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $535.

In December 2020, with rates at 2.68%, it was $713.

By August 2026, at 6.67%, it was $1,510 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +229% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $176,243. So the real change is +67%, not +229%.

33909: +229% since January 2000.

Lee County: +160% since January 2000.

Florida: +245% since January 2000 — 33909 ran behind it by 16 points.

Owning the typical home costs about $1,919 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,885 a month.

Price divided by a year's rent: 13.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 126 a month (Redfin, 3-month rolling data through August 2026). That is 148% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 448. That is 172% of the 2015–2019 level for the same months.

Going out — closed sales: about 109 a month. That is 143% of the 2015–2019 level for the same months. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.1 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 17 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 109 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 65 — so sales ran at 168% of it, and below it in 2 of the last 24 months.

Across Lee County, builders pulled permits for 13,547 new homes in 2025.

Of those, 74% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Lee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,684 moved in. Among the ten receiving the most, 6,967 moved out.

Net across those counties: +1,717 households. Beside it, homes for sale in this ZIP: 448 in June 2026.

Most arrivals came from Collier, FL (2,781 households); most departures went to Collier, FL (1,925).