ZIP 32113 vs ZIP 34432

32113 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 8 of the 24 with a value.

2 school locations in 32113: 1 middle, 1 high.

In alphabetical order: NORTH MARION HIGH SCHOOL, NORTH MARION MIDDLE SCHOOL. Locations only — no ratings are shown here.

34432 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 9 of the 24 with a value.

2 school locations in 34432: 1 elementary, 1 high.

In alphabetical order: DUNNELLON ELEMENTARY SCHOOL, DUNNELLON HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2004 the typical home in 32113 was worth $97,709.

Values peaked at $306,792 in July 2026. The latest reading is −0.2% from that peak.

As of August 2026: $306,204, +2.6% over twelve months.

Start with the typical home: $306,204. Put 20% down and borrow $244,963 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,696 a month in principal and interest.

The median household here earns $62,401 a year, $5,200 a month. So the payment takes 32.6% 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 10.4% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $454.

In December 2020, with rates at 2.68%, it was $620.

By August 2026, at 6.67%, it was $1,575 — +154% since December 2020, while the home's value moved +60%.

Reported values rose +213% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $175,242. So the real change is +75%, not +213%.

32113: +213% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 32113 ran ahead of it by 76 points.

Owning the typical home costs about $2,002 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,277 a month.

Price divided by a year's rent: 20.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 34432 was worth $131,096.

Values peaked at $306,028 in December 2023. The latest reading is −1.6% from that peak.

As of August 2026: $301,090, +0.1% over twelve months.

Start with the typical home: $301,090. Put 20% down and borrow $240,872 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,668 a month in principal and interest.

The median household here earns $47,711 a year, $3,976 a month. So the payment takes 41.9% 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 18.3% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $610.

In December 2020, with rates at 2.68%, it was $642.

By August 2026, at 6.67%, it was $1,549 — +141% since December 2020, while the home's value moved +52%.

Reported values rose +130% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $235,122. So the real change is +28%, not +130%.

34432: +130% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34432 ran behind it by 7 points.

Owning the typical home costs about $1,969 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,295 a month.

Price divided by a year's rent: 10.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 60% of it, and below it in 16 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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 59 a month (Redfin, 3-month rolling data through August 2026). That is 174% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 185. That is 119% of the 2015–2019 level for the same months.

Going out — closed sales: about 52 a month. That is 185% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 52 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 28 — so sales ran at 186% of it, and below it in 0 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 16 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 185 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).