Lotvox market story · compare
ZIP 32044 vs ZIP 32058
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Who's going to sell
Turnover Index not published for 32044 yet.
Where
32044 in Bradford County, FL
32044 is one of 5 ZIP codes that lie mostly in Bradford County, FL — 93% of its own area is in the county.
Shaded by typical home value, it ranks 2 of the 4 with a value.
- Value rank in county
- 2 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 32058 yet.
Where
32058 in Bradford County, FL
32058 is one of 5 ZIP codes that lie mostly in Bradford County, FL — 87% of its own area is in the county.
Shaded by typical home value, it ranks 3 of the 4 with a value.
- Value rank in county
- 3 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32058
1 school location in 32058: 1 elementary.
In alphabetical order: LAWTEY 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 32044
In January 2000 the typical home in 32044 was worth $60,237.
Values peaked at $268,565 in August 2026. The latest reading is the peak.
As of August 2026: $268,565, +4.9% over twelve months.
- Typical home value
- $268,565
- 12-month change
- +4.9%
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: $268,565. Put 20% down and borrow $214,852 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,488 a month in principal and interest.
The median household here earns $45,865 a year, $3,822 a month. So the payment takes 38.9% 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 8.7% in 2000.
- Payment share of income
- 38.9%
- Monthly P&I
- $1,488
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 $361.
In December 2020, with rates at 2.68%, it was $568.
By August 2026, at 6.67%, it was $1,382 — +143% since December 2020, while the home's value moved +53%.
- Payment change since 2020
- +143%
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 +346% 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 $118,884. So the real change is +126%, not +346%.
- Real change since 2000
- +126%
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
32044 against its neighbors
32044: +346% since January 2000.
Bradford County: +230% since January 2000.
Florida: +245% since January 2000 — 32044 ran ahead of it by 101 points.
- Change since 2000
- +346%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
32044 among Florida ZIPs
Against 1,098 Florida ZIP codes, 32044 sits at the 22nd percentile for affordability (price vs local income).
95th for appreciation (recent value growth); 18th for rental yield (rent vs price).
- Affordability percentile
- 22nd
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above)
Lotvox lens
Rent or own
Owning the typical home costs about $1,756 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,089 a month.
Price divided by a year's rent: 20.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 20.6
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 32058
In January 2000 the typical home in 32058 was worth $68,020.
Values peaked at $240,021 in May 2026. The latest reading is −0.8% from that peak.
As of August 2026: $238,178, +2.4% over twelve months.
- Typical home value
- $238,178
- 12-month change
- +2.4%
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: $238,178. Put 20% down and borrow $190,542 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,319 a month in principal and interest.
The median household here earns $62,679 a year, $5,223 a month. So the payment takes 25.3% 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 7.2% in 2000.
- Payment share of income
- 25.3%
- Monthly P&I
- $1,319
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 $407.
In December 2020, with rates at 2.68%, it was $530.
By August 2026, at 6.67%, it was $1,225 — +131% since December 2020, while the home's value moved +45%.
- Payment change since 2020
- +131%
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 +250% 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 $134,244. So the real change is +77%, not +250%.
- Real change since 2000
- +77%
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
32058 against its neighbors
32058: +250% since January 2000.
Bradford County: +230% since January 2000.
Florida: +245% since January 2000 — 32058 ran ahead of it by 5 points.
- Change since 2000
- +250%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
32058 among Florida ZIPs
Against 1,098 Florida ZIP codes, 32058 sits at the 88th percentile for affordability (price vs local income).
90th for appreciation (recent value growth); 18th for rental yield (rent vs price).
- Affordability percentile
- 88th
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above)
Lotvox lens
Rent or own
Owning the typical home costs about $1,557 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $945 a month.
Price divided by a year's rent: 21.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 21.0
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 1 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 2 of the last 24 months.
- Sales vs 2015–19 level
- 100%
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 Bradford County, builders pulled permits for 66 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 66
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 1 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 8 of the last 24 months.
- Sales vs 2015–19 level
- 100%
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 Bradford County, builders pulled permits for 66 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 66
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 Bradford County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 524 moved in. Among the ten receiving the most, 390 moved out.
Net across those counties: +134 households. Beside it, homes for sale in this ZIP: 8 in June 2026.
Most arrivals came from Clay, FL (194 households); most departures went to Clay, FL (122).
- Net households (top-10 flows)
- +134
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 Bradford County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 524 moved in. Among the ten receiving the most, 390 moved out.
Net across those counties: +134 households. Beside it, homes for sale in this ZIP: 7 in June 2026.
Most arrivals came from Clay, FL (194 households); most departures went to Clay, FL (122).
- Net households (top-10 flows)
- +134
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01