Lotvox market story · compare
ZIP 32034 vs ZIP 32009
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Who's going to sell
Turnover Index not published for 32034 yet.
Where
32034 in Nassau County, FL
32034 is one of 5 ZIP codes that lie mostly in Nassau County, FL.
Shaded by typical home value, it ranks 1 of the 5 with a value.
- Value rank in county
- 1 of 5
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32034
9 school locations in 32034: 2 elementary, 3 middle, 4 high.
In alphabetical order: CONTRACTED RESIDENTIAL SERVICES, EMMA LOVE HARDEE ELEMENTARY, FERNANDINA BEACH HIGH SCHOOL, FERNANDINA BEACH MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 9
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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)
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What it costs
Home values
What homes are worth in 32034
In January 2000 the typical home in 32034 was worth $154,379.
Values peaked at $635,438 in May 2024. The latest reading is −3.1% from that peak.
As of August 2026: $615,581, −0.4% over twelve months.
- Typical home value
- $615,581
- 12-month change
- −0.4%
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: $615,581. Put 20% down and borrow $492,465 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $3,410 a month in principal and interest.
The median household here earns $97,756 a year, $8,146 a month. So the payment takes 41.9% of income — rated “severe” (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 10.5% in 2000.
- Payment share of income
- 41.9%
- Monthly P&I
- $3,410
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 $924.
In December 2020, with rates at 2.68%, it was $1,338.
By August 2026, at 6.67%, it was $3,167 — +137% since December 2020, while the home's value moved +49%.
- Payment change since 2020
- +137%
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 +299% 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 $304,683. So the real change is +102%, not +299%.
- Real change since 2000
- +102%
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
32034 against its neighbors
32034: +299% since January 2000.
Nassau County: +264% since January 2000.
Florida: +245% since January 2000 — 32034 ran ahead of it by 54 points.
- Change since 2000
- +299%
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 $4,025 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,351 a month.
Price divided by a year's rent: 21.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 21.8
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 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)
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What's moving
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 121 a month (Redfin, 3-month rolling data through August 2026). That is 90% of the 2015–2019 level for the same months.
On the shelf — homes for sale at the end of the period: 437. That is 62% of the 2015–2019 level for the same months.
Going out — closed sales: about 110 a month. That is 79% of the 2015–2019 level for the same months.
The ladder: homes for sale ÷ monthly sales = 3.96 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.
The net reading: about 11 more homes came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 3.96
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 110 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 119 — so sales ran at 92% of it, and below it in 23 of the last 24 months.
- Sales vs 2015–19 level
- 92%
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
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
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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: 437 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: 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