ZIP 32189 vs ZIP 32148

32189 is one of 13 ZIP codes that lie mostly in Putnam County, FL.

Shaded by typical home value, it ranks 10 of the 11 with a value.

32148 is one of 13 ZIP codes that lie mostly in Putnam County, FL.

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

2 school locations in 32148: 1 middle, 1 high.

In alphabetical order: INTERLACHEN JR-SR HIGH SCHOOL, ROBERT H. JENKINS JR ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2004 the typical home in 32189 was worth $71,943.

Values peaked at $216,562 in June 2024. The latest reading is −6.3% from that peak.

As of August 2026: $202,911, −2.6% over twelve months.

Start with the typical home: $202,911. Put 20% down and borrow $162,329 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,124 a month in principal and interest.

The median household here earns $42,566 a year, $3,547 a month. So the payment takes 31.7% 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 11.2% 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 $335.

In December 2020, with rates at 2.68%, it was $462.

By August 2026, at 6.67%, it was $1,044 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +182% 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 $129,031. So the real change is +57%, not +182%.

32189: +182% since January 2004.

Putnam County: +163% since January 2004.

Florida: +137% since January 2004 — 32189 ran ahead of it by 45 points.

Owning the typical home costs about $1,327 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $735 a month.

Price divided by a year's rent: 23.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 32148 was worth $55,863.

Values peaked at $174,684 in August 2024. The latest reading is −2.9% from that peak.

As of August 2026: $169,561, +2.9% over twelve months.

Start with the typical home: $169,561. Put 20% down and borrow $135,649 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $939 a month in principal and interest.

The median household here earns $45,320 a year, $3,777 a month. So the payment takes 24.9% 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.

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 $260.

In December 2020, with rates at 2.68%, it was $370.

By August 2026, at 6.67%, it was $872 — +136% since December 2020, while the home's value moved +48%.

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 $100,191. So the real change is +69%, not +204%.

32148: +204% since January 2004.

Putnam County: +163% since January 2004.

Florida: +137% since January 2004 — 32148 ran ahead of it by 67 points.

Owning the typical home costs about $1,109 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $753 a month.

Price divided by a year's rent: 18.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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

The 2015–2019 level for the same month was 2 — so sales ran at 150% of it, and below it in 4 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).

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 8 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 34.

Going out — closed sales: about 5 a month.

The ladder: homes for sale ÷ monthly sales = 7.3 months of supply — above 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 came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 100% of it, and below it in 11 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: 20 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: 34 in June 2026.

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