ZIP 32091 vs ZIP 32058

32091 is one of 5 ZIP codes that lie mostly in Bradford County, FL — 84% of its own area is in the county.

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

11 school locations in 32091: 3 elementary, 1 middle, 6 high, 1 other.

In alphabetical order: BRADFORD ELEMENTARY, BRADFORD HIGH SCHOOL, BRADFORD MIDDLE SCHOOL, BRADFORD VIRTUAL FRANCHISE WITH FLVS, and more on the ZIP page. Locations only — no ratings are shown here.

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.

1 school location in 32058: 1 elementary.

In alphabetical order: LAWTEY ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32091 was worth $68,320.

Values peaked at $236,648 in July 2026. The latest reading is −0.1% from that peak.

As of August 2026: $236,306, +4.7% over twelve months.

Start with the typical home: $236,306. Put 20% down and borrow $189,045 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,309 a month in principal and interest.

The median household here earns $53,522 a year, $4,460 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 8.5% 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 $409.

In December 2020, with rates at 2.68%, it was $504.

By August 2026, at 6.67%, it was $1,216 — +141% since December 2020, while the home's value moved +52%.

Reported values rose +246% 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 $134,837. So the real change is +75%, not +246%.

32091: +246% since January 2000.

Bradford County: +230% since January 2000.

Florida: +245% since January 2000.

Against 1,098 Florida ZIP codes, 32091 sits at the 66th percentile for affordability (price vs local income).

96th for appreciation (recent value growth); 14th for rental yield (rent vs price).

Owning the typical home costs about $1,545 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $849 a month.

Price divided by a year's rent: 23.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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.

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%.

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%.

32058: +250% since January 2000.

Bradford County: +230% since January 2000.

Florida: +245% since January 2000 — 32058 ran ahead of it by 5 points.

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).

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.

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

On the shelf — homes for sale at the end of the period: 55.

Going out — closed sales: about 12 a month. The drain is drawn 3% narrower: the share of homes for sale that sell each month is 97% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 100% of it, and below it in 14 of the last 24 months.

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).

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.

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).

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: 55 in June 2026.

Most arrivals came from Clay, FL (194 households); most departures went to Clay, FL (122).

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).