ZIP 32118 vs ZIP 32763

32118 is one of 27 ZIP codes that lie mostly in Volusia County, FL.

Shaded by typical home value, it ranks 19 of the 26 with a value.

3 school locations in 32118: 1 elementary, 2 high.

In alphabetical order: RIVERVIEW LEARNING CENTER, R. J. LONGSTREET ELEMENTARY SCHOOL, SEABREEZE HIGH SCHOOL. Locations only — no ratings are shown here.

32763 is one of 27 ZIP codes that lie mostly in Volusia County, FL.

Shaded by typical home value, it ranks 20 of the 26 with a value.

4 school locations in 32763: 2 elementary, 1 middle, 1 high.

In alphabetical order: MANATEE COVE ELEMENTARY SCHOOL, ORANGE CITY ELEMENTARY SCHOOL, RIVER SPRINGS MIDDLE SCHOOL, UNIVERSITY HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32118 was worth $104,200.

Values peaked at $344,470 in December 2022. The latest reading is −15.0% from that peak.

As of August 2026: $292,720, +0.1% over twelve months.

Start with the typical home: $292,720. Put 20% down and borrow $234,176 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,621 a month in principal and interest.

The median household here earns $60,418 a year, $5,035 a month. So the payment takes 32.2% 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 11.5% 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 $624.

In December 2020, with rates at 2.68%, it was $748.

By August 2026, at 6.67%, it was $1,506 — +101% since December 2020, while the home's value moved +27%.

Reported values rose +181% 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 $205,649. So the real change is +42%, not +181%.

32118: +181% since January 2000.

Volusia County: +229% since January 2000.

Florida: +245% since January 2000 — 32118 ran behind it by 64 points.

Owning the typical home costs about $1,914 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,652 a month.

Price divided by a year's rent: 14.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32763 was worth $83,493.

Values peaked at $309,272 in September 2024. The latest reading is −5.4% from that peak.

As of August 2026: $292,584, −1.6% over twelve months.

Start with the typical home: $292,584. Put 20% down and borrow $234,067 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,621 a month in principal and interest.

The median household here earns $64,022 a year, $5,335 a month. So the payment takes 30.4% 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 8.7% 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 $500.

In December 2020, with rates at 2.68%, it was $685.

By August 2026, at 6.67%, it was $1,505 — +120% since December 2020, while the home's value moved +38%.

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 $164,782. So the real change is +78%, not +250%.

32763: +250% since January 2000.

Volusia County: +229% since January 2000.

Florida: +245% since January 2000 — 32763 ran ahead of it by 5 points.

Owning the typical home costs about $1,913 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,658 a month.

Price divided by a year's rent: 14.7. 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 121 a month (Redfin, 3-month rolling data through August 2026). That is 150% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 623. That is 174% of the 2015–2019 level for the same months.

Going out — closed sales: about 73 a month. That is 91% of the 2015–2019 level for the same months. The drain is drawn 48% narrower: the share of homes for sale that sell each month is 52% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.5 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 48 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 73 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 76 — so sales ran at 96% of it, and below it in 23 of the last 24 months.

Across Volusia County, builders pulled permits for 2,826 new homes in 2025.

Of those, 74% 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 31 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 88.

Going out — closed sales: about 30 a month. That is 78% of the 2015–2019 level for the same months. The drain is drawn 10% narrower: the share of homes for sale that sell each month is 90% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.9 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 30 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 35 — so sales ran at 86% of it, and below it in 22 of the last 24 months.

Across Volusia County, builders pulled permits for 2,826 new homes in 2025.

Of those, 74% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Volusia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,195 moved in. Among the ten receiving the most, 6,033 moved out.

Net across those counties: +2,162 households. Beside it, homes for sale in this ZIP: 623 in June 2026.

Most arrivals came from Seminole, FL (2,811 households); most departures went to Seminole, FL (1,690).

This ZIP sits in Volusia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,195 moved in. Among the ten receiving the most, 6,033 moved out.

Net across those counties: +2,162 households. Beside it, homes for sale in this ZIP: 88 in June 2026.

Most arrivals came from Seminole, FL (2,811 households); most departures went to Seminole, FL (1,690).