ZIP 32159 vs ZIP 32778

32159 is one of 24 ZIP codes that lie mostly in Lake County, FL — 85% of its own area is in the county.

Shaded by typical home value, it ranks 15 of the 23 with a value.

1 school location in 32159: 1 elementary.

In alphabetical order: THE VILLAGES ELEMENTARY OF LADY LAKE SCHOOL. Locations only — no ratings are shown here.

32778 is one of 24 ZIP codes that lie mostly in Lake County, FL.

Shaded by typical home value, it ranks 16 of the 23 with a value.

8 school locations in 32778: 2 elementary, 2 middle, 3 high, 1 other.

In alphabetical order: AURELIA M. COLE ACADEMY, LAKE COUNTY ACER PROGRAM, NONSCHOOL EXCEPTIONAL EDUCATION, NON SCHOOL PK, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32159 was worth $127,647.

Values peaked at $346,784 in September 2022. The latest reading is −8.6% from that peak.

As of August 2026: $317,023, −1.9% over twelve months.

Start with the typical home: $317,023. Put 20% down and borrow $253,618 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,756 a month in principal and interest.

The median household here earns $57,536 a year, $4,795 a month. So the payment takes 36.6% 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 14.7% 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 $764.

In December 2020, with rates at 2.68%, it was $821.

By August 2026, at 6.67%, it was $1,631 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +148% 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 $251,925. So the real change is +26%, not +148%.

32159: +148% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 32159 ran behind it by 97 points.

Owning the typical home costs about $2,073 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,555 a month.

Price divided by a year's rent: 17.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32778 was worth $104,624.

Values peaked at $325,076 in August 2022. The latest reading is −4.7% from that peak.

As of August 2026: $309,862, −1.9% over twelve months.

Start with the typical home: $309,862. Put 20% down and borrow $247,890 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,716 a month in principal and interest.

The median household here earns $61,815 a year, $5,151 a month. So the payment takes 33.3% 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 11.3% 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 $626.

In December 2020, with rates at 2.68%, it was $745.

By August 2026, at 6.67%, it was $1,594 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +196% 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 $206,486. So the real change is +50%, not +196%.

32778: +196% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 32778 ran behind it by 49 points.

Owning the typical home costs about $2,026 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,057 a month.

Price divided by a year's rent: 12.6. 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 52 a month (Redfin, 3-month rolling data through August 2026). That is 88% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 242. That is 127% of the 2015–2019 level for the same months.

Going out — closed sales: about 55 a month. That is 94% of the 2015–2019 level for the same months. The drain is drawn 28% narrower: the share of homes for sale that sell each month is 72% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.4 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 55 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 53 — so sales ran at 104% of it, and below it in 16 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 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 54 a month (Redfin, 3-month rolling data through August 2026). That is 90% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 214. That is 117% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 77% of the 2015–2019 level for the same months. The drain is drawn 34% narrower: the share of homes for sale that sell each month is 66% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.1 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 51 — so sales ran at 82% of it, and below it in 24 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 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 Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 242 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).

This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 214 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).