Lotvox market story · compare
ZIP 32139 vs ZIP 32181
1 of 4
Who's going to sell
Turnover Index not published for 32139 yet.
Where
32139 in Putnam County, FL
32139 is one of 13 ZIP codes that lie mostly in Putnam County, FL.
Shaded by typical home value, it ranks 5 of the 11 with a value.
- Value rank in county
- 5 of 11
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 32181 yet.
Where
32181 in Putnam County, FL
32181 is one of 13 ZIP codes that lie mostly in Putnam County, FL.
Shaded by typical home value, it ranks 6 of the 11 with a value.
- Value rank in county
- 6 of 11
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
2 of 4
What it costs
Home values
What homes are worth in 32139
In January 2004 the typical home in 32139 was worth $69,715.
Values peaked at $226,814 in April 2026. The latest reading is −0.5% from that peak.
As of August 2026: $225,584, +2.4% over twelve months.
- Typical home value
- $225,584
- 12-month change
- +2.4%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $225,584. Put 20% down and borrow $180,467 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,250 a month in principal and interest.
The median household here earns $56,806 a year, $4,734 a month. So the payment takes 26.4% 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 8.2% in 2004.
- Payment share of income
- 26.4%
- Monthly P&I
- $1,250
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $324.
In December 2020, with rates at 2.68%, it was $520.
By August 2026, at 6.67%, it was $1,161 — +123% since December 2020, while the home's value moved +40%.
- Payment change since 2020
- +123%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +224% 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 $125,035. So the real change is +80%, not +224%.
- Real change since 2004
- +80%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32139 against its neighbors
32139: +224% since January 2004.
Putnam County: +163% since January 2004.
Florida: +137% since January 2004 — 32139 ran ahead of it by 87 points.
- Change since 2004
- +224%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,475 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $906 a month.
Price divided by a year's rent: 20.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 20.7
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 32181
In January 2004 the typical home in 32181 was worth $73,044.
Values peaked at $230,047 in July 2024. The latest reading is −3.4% from that peak.
As of August 2026: $222,160, +2.2% over twelve months.
- Typical home value
- $222,160
- 12-month change
- +2.2%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $222,160. Put 20% down and borrow $177,728 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,231 a month in principal and interest.
The median household here earns $45,147 a year, $3,762 a month. So the payment takes 32.7% 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 10.8% in 2004.
- Payment share of income
- 32.7%
- Monthly P&I
- $1,231
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $340.
In December 2020, with rates at 2.68%, it was $522.
By August 2026, at 6.67%, it was $1,143 — +119% since December 2020, while the home's value moved +38%.
- Payment change since 2020
- +119%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +204% 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 $131,005. So the real change is +70%, not +204%.
- Real change since 2004
- +70%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32181 against its neighbors
32181: +204% since January 2004.
Putnam County: +163% since January 2004.
Florida: +137% since January 2004 — 32181 ran ahead of it by 67 points.
- Change since 2004
- +204%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,453 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $776 a month.
Price divided by a year's rent: 23.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 23.9
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 1 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 0 — so sales ran at ∞% of it, and below it in 4 of the last 24 months.
- Sales vs 2015–19 level
- ∞%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Putnam County, builders pulled permits for 127 new homes in 2025.
Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 127
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 16 of the last 24 months.
- Sales vs 2015–19 level
- 67%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Putnam County, builders pulled permits for 127 new homes in 2025.
Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 127
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
4 of 4
Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Putnam County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,215 moved in. Among the ten receiving the most, 936 moved out.
Net across those counties: +279 households. Beside it, homes for sale in this ZIP: 7 in June 2026.
Most arrivals came from St. Johns, FL (233 households); most departures went to Alachua, FL (166).
- Net households (top-10 flows)
- +279
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
This ZIP sits in Putnam County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,215 moved in. Among the ten receiving the most, 936 moved out.
Net across those counties: +279 households. Beside it, homes for sale in this ZIP: 9 in June 2026.
Most arrivals came from St. Johns, FL (233 households); most departures went to Alachua, FL (166).
- Net households (top-10 flows)
- +279
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01