Lotvox market story · compare

ZIP 32305 vs ZIP 32310

ZIP 32305

Leon County, FL

ZIP 32310

Leon County, FL

1 of 4

Who's going to sell

Turnover Index not published for 32305 yet.

Where

32305 in Leon County, FL

32301 · $211,95332303 · $239,97132304 · $168,20732305 · $195,58232306 · no value published32307 · no value published32308 · $341,56332309 · $400,00732310 · $181,70332311 · $328,56032312 · $454,61332313 · no value published32317 · $410,83732399 · no value published 32305
$168K$455K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

32305 is one of 14 ZIP codes that lie mostly in Leon County, FL.

Shaded by typical home value, it ranks 8 of the 10 with a value.

Value rank in county
8 of 10

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 32305

3 school locations in 32305: 1 elementary, 2 middle.

In alphabetical order: FAIRVIEW MIDDLE SCHOOL, OAK RIDGE ELEMENTARY SCHOOL, WOODVILLE SCHOOL. Locations only — no ratings are shown here.

School locations
3

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

32301 · $211,95332303 · $239,97132304 · $168,20732305 · $195,58232306 · no value published32307 · no value published32308 · $341,56332309 · $400,00732310 · $181,70332311 · $328,56032312 · $454,61332313 · no value published32317 · $410,83732399 · no value published 32310
$168K$455K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

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)

2 of 4

What it costs

Home values

What homes are worth in 32305

$0$100K$200K$300K200020052010201520202025Peak June 2024 · $207,391Latest · $195,582
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In January 2000 the typical home in 32305 was worth $89,397.

Values peaked at $207,391 in June 2024. The latest reading is −5.7% from that peak.

As of August 2026: $195,582, +0.9% over twelve months.

Typical home value
$195,582
12-month change
+0.9%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$195,582
Loan at 20% down
$156,466
30-year fixed rate
7.40%
Monthly principal + interest
$1,083
Median household income, per month
$3,975
Share of income
27.3%
0%30%60%
At today's rate, by home value, 2000–2026: 12.5% → 27.3%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: 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

Start with the typical home: $195,582. Put 20% down and borrow $156,466 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,083 a month in principal and interest.

The median household here earns $47,694 a year, $3,975 a month. So the payment takes 27.3% 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 12.5% in 2000.

Payment share of income
27.3%
Monthly P&I
$1,083

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

$0$500$1K$2K2000200520102015202020252.68% rate · $5176.67% rate · $1,006
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: 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

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 $535.

In December 2020, with rates at 2.68%, it was $517.

By August 2026, at 6.67%, it was $1,006 — +95% since December 2020, while the home's value moved +23%.

Payment change since 2020
+95%

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

$0$100K$200K$300K200020052010201520202025
Home value (as reported)Prices in general (CPI-U), scaled to January 2000Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: 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.

Reported values rose +119% 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 $176,434. So the real change is +11%, not +119%.

Real change since 2000
+11%

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

32305 against its neighbors

0100200300400200020052010201520202025
32305 (2000 = 100)Leon County (2000 = 100)Florida (2000 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

32305: +119% since January 2000.

Leon County: +147% since January 2000.

Florida: +245% since January 2000 — 32305 ran behind it by 126 points.

Change since 2000
+119%

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

Own: payment + 1.2%/yr taxes & insurance
$1,279
principal + interest $1,083 · taxes & insurance est. $196
Rent: typical rent (ZORI)
$1,301
Price-to-rent ratio
12.5
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: 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)

Owning the typical home costs about $1,279 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,301 a month.

Price divided by a year's rent: 12.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
12.5

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

$0$50K$100K$150K$200K200020052010201520202025Peak June 2024 · $187,573Latest · $181,703
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

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

Typical home
$181,703
Loan at 20% down
$145,362
30-year fixed rate
7.40%
Monthly principal + interest
$1,006
Median household income, per month
$3,208
Share of income
31.4%
0%30%60%
At today's rate, by home value, 2000–2026: 11.3% → 31.4%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: 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

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

$0$500$1K$2K2000200520102015202020252.68% rate · $4516.67% rate · $935
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: 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

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

$0$100K$200K$300K200020052010201520202025
Home value (as reported)Prices in general (CPI-U), scaled to January 2000Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: 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.

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

0100200300400200020052010201520202025
32310 (2000 = 100)Leon County (2000 = 100)Florida (2000 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

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

Own: payment + 1.2%/yr taxes & insurance
$1,188
principal + interest $1,006 · taxes & insurance est. $182
Rent: typical rent (ZORI)
$1,095
Price-to-rent ratio
13.8
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: 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)

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

per month / homes for sale2024-092026-08balanced 4–6 mo9.0 mo9.0 months of supplyNet +12 / month · inventory growing
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

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

On the shelf — homes for sale at the end of the period: 78.

Going out — closed sales: about 9 a month. The drain is drawn 53% narrower: the share of homes for sale that sell each month is 47% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.0 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Months of supply
9.0

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

05101520252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 90% of it, and below it in 18 of the last 24 months.

Sales vs 2015–19 level
90%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

01,0002,0003,00020222,35820231,99020241,76520252,047
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

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

per month / homes for sale2024-092026-08balanced 4–6 mo4.7 mo4.7 months of supplyNet +3 / month · inventory growing
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

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

05101520252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

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

01,0002,0003,00020222,35820231,99020241,76520252,047
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

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

Moved in (top-10 origin counties)
2,933
Moved out (top-10 destination counties)
3,307
Net households
−374
Top origins
Gadsden, FL517
Broward, FL368
Miami-Dade, FL354
Top destinations
Wakulla, FL564
Gadsden, FL560
Duval, FL397
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

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: 78 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

Moved in (top-10 origin counties)
2,933
Moved out (top-10 destination counties)
3,307
Net households
−374
Top origins
Gadsden, FL517
Broward, FL368
Miami-Dade, FL354
Top destinations
Wakulla, FL564
Gadsden, FL560
Duval, FL397
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

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

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