ZIP 32169 vs ZIP 32128

32169 is one of 27 ZIP codes that lie mostly in Volusia County, FL.

Shaded by typical home value, it ranks 1 of the 26 with a value.

1 school location in 32169: 1 elementary.

In alphabetical order: CORONADO BEACH ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

32128 is one of 27 ZIP codes that lie mostly in Volusia County, FL.

Shaded by typical home value, it ranks 2 of the 26 with a value.

2 school locations in 32128: 1 elementary, 1 middle.

In alphabetical order: CREEKSIDE MIDDLE SCHOOL, CYPRESS CREEK ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32169 was worth $146,215.

Values peaked at $585,664 in February 2024. The latest reading is −6.1% from that peak.

As of August 2026: $549,745, +1.5% over twelve months.

Start with the typical home: $549,745. Put 20% down and borrow $439,796 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,045 a month in principal and interest.

The median household here earns $99,260 a year, $8,272 a month. So the payment takes 36.8% 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 9.8% 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 $875.

In December 2020, with rates at 2.68%, it was $1,252.

By August 2026, at 6.67%, it was $2,828 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +276% 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 $288,570. So the real change is +91%, not +276%.

32169: +276% since January 2000.

Volusia County: +229% since January 2000.

Florida: +245% since January 2000 — 32169 ran ahead of it by 31 points.

Owning the typical home costs about $3,595 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,038 a month.

Price divided by a year's rent: 15.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32128 was worth $158,728.

Values peaked at $480,033 in September 2022. The latest reading is −8.2% from that peak.

As of August 2026: $440,603, −2.2% over twelve months.

Start with the typical home: $440,603. Put 20% down and borrow $352,482 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,441 a month in principal and interest.

The median household here earns $84,164 a year, $7,014 a month. So the payment takes 34.8% 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 12.5% 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 $950.

In December 2020, with rates at 2.68%, it was $1,094.

By August 2026, at 6.67%, it was $2,267 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +178% 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 $313,266. So the real change is +41%, not +178%.

32128: +178% since January 2000.

Volusia County: +229% since January 2000.

Florida: +245% since January 2000 — 32128 ran behind it by 67 points.

Owning the typical home costs about $2,881 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,901 a month.

Price divided by a year's rent: 19.3. 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 59 a month (Redfin, 3-month rolling data through August 2026). That is 80% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 290. That is 77% of the 2015–2019 level for the same months.

Going out — closed sales: about 56 a month. That is 69% 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 = 5.2 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 56 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 64 — so sales ran at 88% of it, and below it in 24 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 34 a month (Redfin, 3-month rolling data through August 2026). That is 82% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 116.

Going out — closed sales: about 37 a month. That is 82% of the 2015–2019 level for the same months. The drain is drawn 4% narrower: the share of homes for sale that sell each month is 96% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.1 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 95% of it, and below it in 24 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: 290 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: 116 in June 2026.

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