ZIP 32181 vs ZIP 32140

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.

32140 is one of 13 ZIP codes that lie mostly in Putnam County, FL — 90% of its own area is in the county.

Shaded by typical home value, it ranks 7 of the 11 with a value.

1 school location in 32140: 1 high.

In alphabetical order: Q.I. ROBERTS JR. - SR. HIGH SCHOOL. Locations only — no ratings are shown here.

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.

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.

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%.

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%.

32181: +204% since January 2004.

Putnam County: +163% since January 2004.

Florida: +137% since January 2004 — 32181 ran ahead of it by 67 points.

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.

In April 2004 the typical home in 32140 was worth $91,759.

Values peaked at $218,400 in August 2022. The latest reading is −2.5% from that peak.

As of August 2026: $212,949, +2.0% over twelve months.

Start with the typical home: $212,949. Put 20% down and borrow $170,359 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,180 a month in principal and interest.

The median household here earns $35,000 a year, $2,917 a month. So the payment takes 40.4% 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 17.4% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in April 2004 (5.83%) the payment was $432.

In December 2020, with rates at 2.68%, it was $537.

By August 2026, at 6.67%, it was $1,096 — +104% since December 2020, while the home's value moved +28%.

Reported values rose +132% since April 2004.

General prices (CPI-U) rose +78% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $163,605. So the real change is +30%, not +132%.

32140: +132% since April 2004.

Putnam County: +160% since April 2004.

Florida: +130% since April 2004 — 32140 ran ahead of it by 2 points.

Against 1,098 Florida ZIP codes, 32140 sits at the 18th percentile for affordability (price vs local income).

82nd for appreciation (recent value growth); 35th for rental yield (rent vs price).

Owning the typical home costs about $1,392 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,076 a month.

Price divided by a year's rent: 16.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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).

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 300% of it, and below it in 3 of the last 24 months.

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).

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).

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: 8 in June 2026.

Most arrivals came from St. Johns, FL (233 households); most departures went to Alachua, FL (166).