Lotvox market story · compare
ZIP 32038 vs ZIP 32025
1 of 4
Who's going to sell
Turnover Index not published for 32038 yet.
Where
32038 in Columbia County, FL
32038 is one of 6 ZIP codes that lie mostly in Columbia 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 32038
2 school locations in 32038: 1 elementary, 1 high.
In alphabetical order: FORT WHITE ELEMENTARY SCHOOL, FORT WHITE HIGH SCHOOL. Locations only — no ratings are shown here.
- School locations
- 2
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 32025 yet.
Where
32025 in Columbia County, FL
32025 is one of 6 ZIP codes that lie mostly in Columbia 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 32025
6 school locations in 32025: 3 elementary, 2 middle, 1 high.
In alphabetical order: COLUMBIA HIGH SCHOOL, EASTSIDE ELEMENTARY SCHOOL, LAKE CITY MIDDLE SCHOOL, MELROSE PARK ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 6
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 32038
In January 2000 the typical home in 32038 was worth $76,250.
Values peaked at $314,591 in September 2024. The latest reading is −3.1% from that peak.
As of August 2026: $304,796, −2.5% over twelve months.
- Typical home value
- $304,796
- 12-month change
- −2.5%
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: $304,796. Put 20% down and borrow $243,837 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,688 a month in principal and interest.
The median household here earns $58,075 a year, $4,840 a month. So the payment takes 34.9% 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 8.7% in 2000.
- Payment share of income
- 34.9%
- Monthly P&I
- $1,688
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 $457.
In December 2020, with rates at 2.68%, it was $690.
By August 2026, at 6.67%, it was $1,568 — +127% since December 2020, while the home's value moved +43%.
- Payment change since 2020
- +127%
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 +300% 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 $150,487. So the real change is +103%, not +300%.
- Real change since 2000
- +103%
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
32038 against its neighbors
32038: +300% since January 2000.
Columbia County: +234% since January 2000.
Florida: +245% since January 2000 — 32038 ran ahead of it by 55 points.
- Change since 2000
- +300%
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 $1,993 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $825 a month.
Price divided by a year's rent: 30.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 30.8
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 32025
In January 2000 the typical home in 32025 was worth $78,871.
Values peaked at $235,868 in July 2024. The latest reading is −0.8% from that peak.
As of August 2026: $233,961, +0.1% over twelve months.
- Typical home value
- $233,961
- 12-month change
- +0.1%
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: $233,961. Put 20% down and borrow $187,169 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,296 a month in principal and interest.
The median household here earns $47,074 a year, $3,923 a month. So the payment takes 33.0% 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
- 33.0%
- Monthly P&I
- $1,296
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 $472.
In December 2020, with rates at 2.68%, it was $517.
By August 2026, at 6.67%, it was $1,204 — +133% since December 2020, while the home's value moved +46%.
- Payment change since 2020
- +133%
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 +197% 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 $155,660. So the real change is +50%, not +197%.
- Real change since 2000
- +50%
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
32025 against its neighbors
32025: +197% since January 2000.
Columbia County: +234% since January 2000.
Florida: +245% since January 2000 — 32025 ran behind it by 48 points.
- Change since 2000
- +197%
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 $1,530 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,400 a month.
Price divided by a year's rent: 13.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 13.9
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 5 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 6 — so sales ran at 83% of it, and below it in 18 of the last 24 months.
- Sales vs 2015–19 level
- 83%
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 Columbia County, builders pulled permits for 182 new homes in 2025.
Of those, 96% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 182
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 21 a month (Redfin, 3-month rolling data through August 2026).
On the shelf — homes for sale at the end of the period: 88.
Going out — closed sales: about 12 a month. The drain is drawn 87% narrower: the share of homes for sale that sell each month is 13% of its 2015–2019 level.
The ladder: homes for sale ÷ monthly sales = 7.1 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.
The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 7.1
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 12 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 20 — so sales ran at 60% of it, and below it in 24 of the last 24 months.
- Sales vs 2015–19 level
- 60%
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 Columbia County, builders pulled permits for 182 new homes in 2025.
Of those, 96% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 182
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 Columbia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 847 moved in. Among the ten receiving the most, 789 moved out.
Net across those counties: +58 households. Beside it, homes for sale in this ZIP: 15 in June 2026.
Most arrivals came from Alachua, FL (236 households); most departures went to Alachua, FL (217).
- Net households (top-10 flows)
- +58
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 Columbia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 847 moved in. Among the ten receiving the most, 789 moved out.
Net across those counties: +58 households. Beside it, homes for sale in this ZIP: 88 in June 2026.
Most arrivals came from Alachua, FL (236 households); most departures went to Alachua, FL (217).
- Net households (top-10 flows)
- +58
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01