Lotvox market story · compare
ZIP 32009 vs ZIP 32011
1 of 4
Who's going to sell
Turnover Index not published for 32009 yet.
Where
32009 in Nassau County, FL
32009 is one of 5 ZIP codes that lie mostly in Nassau County, FL.
Shaded by typical home value, it ranks 2 of the 5 with a value.
- Value rank in county
- 2 of 5
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32009
1 school location in 32009: 1 elementary.
In alphabetical order: BRYCEVILLE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 32011 yet.
Where
32011 in Nassau County, FL
32011 is one of 5 ZIP codes that lie mostly in Nassau County, FL.
Shaded by typical home value, it ranks 3 of the 5 with a value.
- Value rank in county
- 3 of 5
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32011
4 school locations in 32011: 2 elementary, 1 middle, 1 high.
In alphabetical order: CALLAHAN ELEMENTARY SCHOOL, CALLAHAN INTERMEDIATE SCHOOL, CALLAHAN MIDDLE SCHOOL, WEST NASSAU COUNTY HIGH SCHOOL. Locations only — no ratings are shown here.
- School locations
- 4
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 32009
In January 2000 the typical home in 32009 was worth $130,120.
Values peaked at $404,260 in August 2026. The latest reading is the peak.
As of August 2026: $404,260, +3.7% over twelve months.
- Typical home value
- $404,260
- 12-month change
- +3.7%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $404,260. Put 20% down and borrow $323,408 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,239 a month in principal and interest.
The median household here earns $77,826 a year, $6,486 a month. So the payment takes 34.5% of income — rated “stretched” (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 11.1% in 2000.
- Payment share of income
- 34.5%
- Monthly P&I
- $2,239
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $779.
In December 2020, with rates at 2.68%, it was $872.
By August 2026, at 6.67%, it was $2,080 — +139% since December 2020, while the home's value moved +50%.
- Payment change since 2020
- +139%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +211% 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 $256,805. So the real change is +57%, not +211%.
- Real change since 2000
- +57%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32009 against its neighbors
32009: +211% since January 2000.
Nassau County: +264% since January 2000.
Florida: +245% since January 2000 — 32009 ran behind it by 34 points.
- Change since 2000
- +211%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,643 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $908 a month.
Price divided by a year's rent: 37.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 37.1
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 32011
In January 2000 the typical home in 32011 was worth $102,940.
Values peaked at $393,533 in March 2025. The latest reading is −0.4% from that peak.
As of August 2026: $391,818, +1.9% over twelve months.
- Typical home value
- $391,818
- 12-month change
- +1.9%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $391,818. Put 20% down and borrow $313,454 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,170 a month in principal and interest.
The median household here earns $77,121 a year, $6,427 a month. So the payment takes 33.8% of income — rated “stretched” (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 8.9% in 2000.
- Payment share of income
- 33.8%
- Monthly P&I
- $2,170
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $616.
In December 2020, with rates at 2.68%, it was $858.
By August 2026, at 6.67%, it was $2,016 — +135% since December 2020, while the home's value moved +48%.
- Payment change since 2020
- +135%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +281% 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 $203,163. So the real change is +93%, not +281%.
- Real change since 2000
- +93%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32011 against its neighbors
32011: +281% since January 2000.
Nassau County: +264% since January 2000.
Florida: +245% since January 2000 — 32011 ran ahead of it by 36 points.
- Change since 2000
- +281%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,562 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,124 a month.
Price divided by a year's rent: 15.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 15.4
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 12 of the last 24 months.
- Sales vs 2015–19 level
- 67%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Nassau County, builders pulled permits for 1,060 new homes in 2025.
Of those, 84% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 1,060
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Listings Flow Ladder
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 16 a month (Redfin, 3-month rolling data through August 2026).
On the shelf — homes for sale at the end of the period: 44.
Going out — closed sales: about 8 a month. The drain is drawn 31% narrower: the share of homes for sale that sell each month is 69% of its 2015–2019 level.
The ladder: homes for sale ÷ monthly sales = 5.3 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 5.3
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 8 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 11 — so sales ran at 73% of it, and below it in 11 of the last 24 months.
- Sales vs 2015–19 level
- 73%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Nassau County, builders pulled permits for 1,060 new homes in 2025.
Of those, 84% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 1,060
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Nassau County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,685 moved in. Among the ten receiving the most, 1,331 moved out.
Net across those counties: +354 households. Beside it, homes for sale in this ZIP: 10 in June 2026.
Most arrivals came from Duval, FL (1,077 households); most departures went to Duval, FL (815).
- Net households (top-10 flows)
- +354
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
This ZIP sits in Nassau County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,685 moved in. Among the ten receiving the most, 1,331 moved out.
Net across those counties: +354 households. Beside it, homes for sale in this ZIP: 44 in June 2026.
Most arrivals came from Duval, FL (1,077 households); most departures went to Duval, FL (815).
- Net households (top-10 flows)
- +354
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01