ZIP 32055 vs ZIP 32096

32055 is one of 6 ZIP codes that lie mostly in Columbia County, FL.

Shaded by typical home value, it ranks 4 of the 5 with a value.

7 school locations in 32055: 3 elementary, 4 high.

In alphabetical order: COLUMBIA VIRTUAL FRANCHISE, COLUMBIA VIRTUAL INSTRUCTION PROGRAM, COLUMBIA VIRTUAL INSTRUCTION PROGRAM (DISTRICT PROVIDED), FIVE POINTS ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32096 is one of 6 ZIP codes that lie mostly in Columbia County, FL — 55% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 5 with a value.

In January 2000 the typical home in 32055 was worth $59,506.

Values peaked at $229,699 in July 2024. The latest reading is −2.1% from that peak.

As of August 2026: $224,952, −0.2% over twelve months.

Start with the typical home: $224,952. Put 20% down and borrow $179,962 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,246 a month in principal and interest.

The median household here earns $57,328 a year, $4,777 a month. So the payment takes 26.1% 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 6.9% in 2000.

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 $356.

In December 2020, with rates at 2.68%, it was $515.

By August 2026, at 6.67%, it was $1,157 — +125% since December 2020, while the home's value moved +42%.

Reported values rose +278% 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 $117,441. So the real change is +92%, not +278%.

32055: +278% since January 2000.

Columbia County: +234% since January 2000.

Florida: +245% since January 2000 — 32055 ran ahead of it by 33 points.

Owning the typical home costs about $1,471 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,398 a month.

Price divided by a year's rent: 13.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32096 was worth $56,811.

Values peaked at $224,209 in August 2024. The latest reading is −1.6% from that peak.

As of August 2026: $220,586, +1.8% over twelve months.

Start with the typical home: $220,586. Put 20% down and borrow $176,469 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,222 a month in principal and interest.

The median household here earns $50,000 a year, $4,167 a month. So the payment takes 29.3% 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 7.6% in 2000.

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 $340.

In December 2020, with rates at 2.68%, it was $456.

By August 2026, at 6.67%, it was $1,135 — +149% since December 2020, while the home's value moved +57%.

Reported values rose +288% 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 $112,122. So the real change is +97%, not +288%.

32096: +288% since January 2000.

Columbia County: +234% since January 2000.

Florida: +245% since January 2000 — 32096 ran ahead of it by 43 points.

Owning the typical home costs about $1,442 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $715 a month.

Price divided by a year's rent: 25.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 60.

Going out — closed sales: about 10 a month. The drain is drawn 90% narrower: the share of homes for sale that sell each month is 10% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.2 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 111% of it, and below it in 14 of the last 24 months.

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).

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 3 of the last 24 months.

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).

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: 60 in June 2026.

Most arrivals came from Alachua, FL (236 households); most departures went to Alachua, FL (217).

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: 7 in June 2026.

Most arrivals came from Alachua, FL (236 households); most departures went to Alachua, FL (217).