Lotvox market story · compare
ZIP 32304 vs ZIP 32310
1 of 4
Who's going to sell
Turnover Index not published for 32304 yet.
Where
32304 in Leon County, FL
32304 is one of 14 ZIP codes that lie mostly in Leon County, FL.
Shaded by typical home value, it ranks 10 of the 10 with a value.
- Value rank in county
- 10 of 10
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32304
12 school locations in 32304: 2 elementary, 2 middle, 8 high.
In alphabetical order: GRETCHEN EVERHART SCHOOL, GRIFFIN MIDDLE SCHOOL, HOSPITAL HOMEBOUND, JOHN G RILEY ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 12
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 32310 yet.
Where
32310 in Leon County, FL
32310 is one of 14 ZIP codes that lie mostly in Leon County, FL.
Shaded by typical home value, it ranks 9 of the 10 with a value.
- Value rank in county
- 9 of 10
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32310
6 school locations in 32310: 3 elementary, 2 middle, 1 high.
In alphabetical order: BOND ELEMENTARY SCHOOL, FORT BRADEN SCHOOL, LEON CO JUVENILE DETENTION CENTER, PINEVIEW ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 6
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 32304
In January 2000 the typical home in 32304 was worth $61,111.
Values peaked at $170,646 in June 2024. The latest reading is −1.4% from that peak.
As of August 2026: $168,207, +0.2% over twelve months.
- Typical home value
- $168,207
- 12-month change
- +0.2%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $168,207. Put 20% down and borrow $134,566 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $932 a month in principal and interest.
The median household here earns $30,823 a year, $2,569 a month. So the payment takes 36.3% 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 13.2% in 2000.
- Payment share of income
- 36.3%
- Monthly P&I
- $932
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $366.
In December 2020, with rates at 2.68%, it was $378.
By August 2026, at 6.67%, it was $865 — +129% since December 2020, while the home's value moved +44%.
- Payment change since 2020
- +129%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +175% 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 $120,609. So the real change is +39%, not +175%.
- Real change since 2000
- +39%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32304 against its neighbors
32304: +175% since January 2000.
Leon County: +147% since January 2000.
Florida: +245% since January 2000 — 32304 ran behind it by 70 points.
- Change since 2000
- +175%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,100 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,280 a month.
Price divided by a year's rent: 11.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 11.0
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 32310
In January 2000 the typical home in 32310 was worth $65,439.
Values peaked at $187,573 in June 2024. The latest reading is −3.1% from that peak.
As of August 2026: $181,703, +2.9% over twelve months.
- Typical home value
- $181,703
- 12-month change
- +2.9%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $181,703. Put 20% down and borrow $145,362 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,006 a month in principal and interest.
The median household here earns $38,493 a year, $3,208 a month. So the payment takes 31.4% 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.
- Payment share of income
- 31.4%
- Monthly P&I
- $1,006
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $392.
In December 2020, with rates at 2.68%, it was $451.
By August 2026, at 6.67%, it was $935 — +107% since December 2020, while the home's value moved +31%.
- Payment change since 2020
- +107%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
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 $129,151. So the real change is +41%, not +178%.
- Real change since 2000
- +41%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32310 against its neighbors
32310: +178% since January 2000.
Leon County: +147% since January 2000.
Florida: +245% since January 2000 — 32310 ran behind it by 67 points.
- Change since 2000
- +178%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,188 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,095 a month.
Price divided by a year's rent: 13.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 13.8
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
3 of 4
What's moving
Housing pulse
Listings Flow Ladder
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 39 a month (Redfin, 3-month rolling data through August 2026). That is 89% of the 2015–2019 level for the same months.
On the shelf — homes for sale at the end of the period: 134.
Going out — closed sales: about 29 a month. That is 66% of the 2015–2019 level for the same months. The drain is drawn 31% narrower: the share of homes for sale that sell each month is 69% of its 2015–2019 level.
The ladder: homes for sale ÷ monthly sales = 4.6 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 4.6
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 29 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 33 — so sales ran at 88% of it, and below it in 19 of the last 24 months.
- Sales vs 2015–19 level
- 88%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Leon County, builders pulled permits for 2,047 new homes in 2025.
Of those, 30% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 2,047
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Listings Flow Ladder
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: 58.
Going out — closed sales: about 12 a month.
The ladder: homes for sale ÷ monthly sales = 4.7 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 came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 4.7
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 12 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 9 — so sales ran at 133% of it, and below it in 10 of the last 24 months.
- Sales vs 2015–19 level
- 133%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Leon County, builders pulled permits for 2,047 new homes in 2025.
Of those, 30% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 2,047
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
4 of 4
Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Leon County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,933 moved in. Among the ten receiving the most, 3,307 moved out.
Net across those counties: −374 households. Beside it, homes for sale in this ZIP: 134 in June 2026.
Most arrivals came from Gadsden, FL (517 households); most departures went to Wakulla, FL (564).
- Net households (top-10 flows)
- −374
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
This ZIP sits in Leon County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,933 moved in. Among the ten receiving the most, 3,307 moved out.
Net across those counties: −374 households. Beside it, homes for sale in this ZIP: 58 in June 2026.
Most arrivals came from Gadsden, FL (517 households); most departures went to Wakulla, FL (564).
- Net households (top-10 flows)
- −374
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01