Lotvox market story · compare
ZIP 32053 vs ZIP 32052
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Who's going to sell
Turnover Index not published for 32053 yet.
Where
32053 in Hamilton County, FL
32053 is one of 2 ZIP codes that lie mostly in Hamilton County, FL.
Shaded by typical home value, it ranks 1 of the 2 with a value.
- Value rank in county
- 1 of 2
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 32052 yet.
Where
32052 in Hamilton County, FL
32052 is one of 2 ZIP codes that lie mostly in Hamilton County, FL.
Shaded by typical home value, it ranks 2 of the 2 with a value.
- Value rank in county
- 2 of 2
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32052
7 school locations in 32052: 2 elementary, 5 high.
In alphabetical order: HAMILTON COUNTY ELEMENTARY SCHOOL, HAMILTON COUNTY HIGH SCHOOL, HAMILTON VIRTUAL FRANCHISE, HAMILTON VIRTUAL INSTRUCTION PROGRAM, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 7
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 32053
In January 2000 the typical home in 32053 was worth $55,139.
Values peaked at $250,654 in August 2026. The latest reading is the peak.
As of August 2026: $250,654, +5.0% over twelve months.
- Typical home value
- $250,654
- 12-month change
- +5.0%
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: $250,654. Put 20% down and borrow $200,523 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,388 a month in principal and interest.
The median household here earns $40,750 a year, $3,396 a month. So the payment takes 40.9% 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 9.0% in 2000.
- Payment share of income
- 40.9%
- Monthly P&I
- $1,388
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 $330.
In December 2020, with rates at 2.68%, it was $498.
By August 2026, at 6.67%, it was $1,290 — +159% since December 2020, while the home's value moved +63%.
- Payment change since 2020
- +159%
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 +355% 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 $108,822. So the real change is +130%, not +355%.
- Real change since 2000
- +130%
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
32053 against its neighbors
32053: +355% since January 2000.
Hamilton County: +290% since January 2000.
Florida: +245% since January 2000 — 32053 ran ahead of it by 110 points.
- Change since 2000
- +355%
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 $1,639 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $852 a month.
Price divided by a year's rent: 24.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 24.5
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 32052
In January 2000 the typical home in 32052 was worth $53,550.
Values peaked at $193,739 in February 2025. The latest reading is −0.6% from that peak.
As of August 2026: $192,583, +6.7% over twelve months.
- Typical home value
- $192,583
- 12-month change
- +6.7%
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: $192,583. Put 20% down and borrow $154,066 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,067 a month in principal and interest.
The median household here earns $48,722 a year, $4,060 a month. So the payment takes 26.3% 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 7.3% in 2000.
- Payment share of income
- 26.3%
- Monthly P&I
- $1,067
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 $321.
In December 2020, with rates at 2.68%, it was $396.
By August 2026, at 6.67%, it was $991 — +150% since December 2020, while the home's value moved +57%.
- Payment change since 2020
- +150%
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 +260% 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 $105,686. So the real change is +82%, not +260%.
- Real change since 2000
- +82%
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
32052 against its neighbors
32052: +260% since January 2000.
Hamilton County: +290% since January 2000.
Florida: +245% since January 2000 — 32052 ran ahead of it by 15 points.
- Change since 2000
- +260%
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 $1,259 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $694 a month.
Price divided by a year's rent: 23.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 23.1
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
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — 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 Hamilton County, builders pulled permits for 34 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
- 34
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 4 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 200% of it, and below it in 7 of the last 24 months.
- Sales vs 2015–19 level
- 200%
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 Hamilton County, builders pulled permits for 34 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
- 34
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 Hamilton County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 148 moved in. Among the ten receiving the most, 133 moved out.
Net across those counties: +15 households. Beside it, homes for sale in this ZIP: 12 in June 2026.
Most arrivals came from Columbia, FL (50 households); most departures went to Suwannee, FL (47).
- Net households (top-10 flows)
- +15
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 Hamilton County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 148 moved in. Among the ten receiving the most, 133 moved out.
Net across those counties: +15 households. Beside it, homes for sale in this ZIP: 22 in June 2026.
Most arrivals came from Columbia, FL (50 households); most departures went to Suwannee, FL (47).
- Net households (top-10 flows)
- +15
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01