ZIP 32137 vs ZIP 32164

32137 is one of 4 ZIP codes that lie mostly in Flagler County, FL.

Shaded by typical home value, it ranks 2 of the 4 with a value.

3 school locations in 32137: 2 middle, 1 high.

In alphabetical order: BELLE TERRE ELEMENTARY SCHOOL, INDIAN TRAILS MIDDLE SCHOOL, MATANZAS HIGH SCHOOL. Locations only — no ratings are shown here.

32164 is one of 4 ZIP codes that lie mostly in Flagler County, FL.

Shaded by typical home value, it ranks 3 of the 4 with a value.

5 school locations in 32164: 2 elementary, 2 middle, 1 high.

In alphabetical order: BUDDY TAYLOR MIDDLE SCHOOL, FLAGLER-PALM COAST HIGH SCHOOL, IMAGINE SCHOOL AT TOWN CENTER, LEWIS E. WADSWORTH ELEMENTARY, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32137 was worth $124,788.

Values peaked at $433,971 in August 2022. The latest reading is −11.7% from that peak.

As of August 2026: $383,010, +0.1% over twelve months.

Start with the typical home: $383,010. Put 20% down and borrow $306,408 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,122 a month in principal and interest.

The median household here earns $78,731 a year, $6,561 a month. So the payment takes 32.3% 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 10.5% 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 $747.

In December 2020, with rates at 2.68%, it was $939.

By August 2026, at 6.67%, it was $1,970 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +207% 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 $246,282. So the real change is +56%, not +207%.

32137: +207% since January 2000.

Flagler County: +210% since January 2000.

Florida: +245% since January 2000 — 32137 ran behind it by 38 points.

Owning the typical home costs about $2,505 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,956 a month.

Price divided by a year's rent: 16.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32164 was worth $100,981.

Values peaked at $372,506 in August 2022. The latest reading is −13.7% from that peak.

As of August 2026: $321,497, −1.4% over twelve months.

Start with the typical home: $321,497. Put 20% down and borrow $257,198 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,781 a month in principal and interest.

The median household here earns $71,738 a year, $5,978 a month. So the payment takes 29.8% 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 9.4% 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 $605.

In December 2020, with rates at 2.68%, it was $803.

By August 2026, at 6.67%, it was $1,654 — +106% since December 2020, while the home's value moved +30%.

Reported values rose +218% 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 $199,296. So the real change is +61%, not +218%.

32164: +218% since January 2000.

Flagler County: +210% since January 2000.

Florida: +245% since January 2000 — 32164 ran behind it by 27 points.

Owning the typical home costs about $2,102 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,824 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 191 a month (Redfin, 3-month rolling data through August 2026). That is 148% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 725. That is 118% of the 2015–2019 level for the same months.

Going out — closed sales: about 156 a month. That is 133% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.6 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 35 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 156 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 104 — so sales ran at 150% of it, and below it in 1 of the last 24 months.

Across Flagler County, builders pulled permits for 2,586 new homes in 2025.

Of those, 75% 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 144 a month (Redfin, 3-month rolling data through August 2026). That is 133% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 569. That is 135% of the 2015–2019 level for the same months.

Going out — closed sales: about 133 a month. That is 140% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.3 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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 133 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 85 — so sales ran at 156% of it, and below it in 0 of the last 24 months.

Across Flagler County, builders pulled permits for 2,586 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Flagler County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,321 moved in. Among the ten receiving the most, 1,873 moved out.

Net across those counties: +448 households. Beside it, homes for sale in this ZIP: 725 in June 2026.

Most arrivals came from Volusia, FL (956 households); most departures went to Volusia, FL (828).

County assessor records list 99 properties with a market value here. Their average assessed market value is $309,700; the typical home value is $383,010.

The assessor average sits −19.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Flagler County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,321 moved in. Among the ten receiving the most, 1,873 moved out.

Net across those counties: +448 households. Beside it, homes for sale in this ZIP: 569 in June 2026.

Most arrivals came from Volusia, FL (956 households); most departures went to Volusia, FL (828).