ZIP 32162 vs ZIP 34484

32162 is one of 10 ZIP codes that lie mostly in Sumter County, FL — 85% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 9 with a value.

1 school location in 32162: 1 high.

In alphabetical order: VILLAGES CHARTER SCHOOL. Locations only — no ratings are shown here.

34484 is one of 10 ZIP codes that lie mostly in Sumter County, FL.

Shaded by typical home value, it ranks 3 of the 9 with a value.

In January 2003 the typical home in 32162 was worth $158,700.

Values peaked at $409,424 in September 2022. The latest reading is −10.3% from that peak.

As of August 2026: $367,433, −1.5% over twelve months.

Start with the typical home: $367,433. Put 20% down and borrow $293,946 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,035 a month in principal and interest.

The median household here earns $73,927 a year, $6,161 a month. So the payment takes 33.0% 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 14.3% in 2003.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2003 (5.92%) the payment was $754.

In December 2020, with rates at 2.68%, it was $952.

By August 2026, at 6.67%, it was $1,890 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +132% since January 2003.

General prices (CPI-U) rose +83% over the same span.

Divide one by the other: in August 2026 dollars, the 2003 home was worth $290,398. So the real change is +27%, not +132%.

32162: +132% since January 2003.

Sumter County: +150% since January 2003.

Florida: +167% since January 2003 — 32162 ran behind it by 35 points.

Owning the typical home costs about $2,403 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,133 a month.

Price divided by a year's rent: 14.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In November 2003 the typical home in 34484 was worth $184,866.

Values peaked at $373,113 in August 2022. The latest reading is −5.4% from that peak.

As of August 2026: $353,049, −0.9% over twelve months.

Start with the typical home: $353,049. Put 20% down and borrow $282,439 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,956 a month in principal and interest.

The median household here earns $90,826 a year, $7,569 a month. So the payment takes 25.8% 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 13.5% in 2003.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in November 2003 (5.93%) the payment was $880.

In December 2020, with rates at 2.68%, it was $861.

By August 2026, at 6.67%, it was $1,816 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +91% since November 2003.

General prices (CPI-U) rose +81% over the same span.

Divide one by the other: in August 2026 dollars, the 2003 home was worth $333,889. So the real change is +6%, not +91%.

34484: +91% since November 2003.

Sumter County: +135% since November 2003.

Florida: +141% since November 2003 — 34484 ran behind it by 50 points.

Owning the typical home costs about $2,309 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,775 a month.

Price divided by a year's rent: 16.6. 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 96 a month (Redfin, 3-month rolling data through August 2026). That is 135% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 308. That is 160% of the 2015–2019 level for the same months.

Going out — closed sales: about 112 a month. That is 144% of the 2015–2019 level for the same months. The drain is drawn 12% narrower: the share of homes for sale that sell each month is 88% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.8 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 16 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 112 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 61 — so sales ran at 184% of it, and below it in 0 of the last 24 months.

Across Sumter County, builders pulled permits for 3,516 new homes in 2025.

Of those, 88% 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 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 68.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 6.0 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 138% of it, and below it in 1 of the last 24 months.

Across Sumter County, builders pulled permits for 3,516 new homes in 2025.

Of those, 88% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Sumter County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,364 moved in. Among the ten receiving the most, 1,991 moved out.

Net across those counties: +373 households. Beside it, homes for sale in this ZIP: 308 in June 2026.

Most arrivals came from Lake, FL (747 households); most departures went to Lake, FL (737).

County assessor records list 109 properties with a market value here. Their average assessed market value is $284,800; the typical home value is $367,433.

The assessor average sits −22.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Sumter County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,364 moved in. Among the ten receiving the most, 1,991 moved out.

Net across those counties: +373 households. Beside it, homes for sale in this ZIP: 68 in June 2026.

Most arrivals came from Lake, FL (747 households); most departures went to Lake, FL (737).