ZIP 32317 vs ZIP 32309

32317 is one of 14 ZIP codes that lie mostly in Leon County, FL.

Shaded by typical home value, it ranks 2 of the 10 with a value.

3 school locations in 32317: 2 elementary, 1 middle.

In alphabetical order: BUCK LAKE ELEMENTARY SCHOOL, CHAIRES ELEMENTARY SCHOOL, SWIFT CREEK MIDDLE SCHOOL. Locations only — no ratings are shown here.

32309 is one of 14 ZIP codes that lie mostly in Leon County, FL.

Shaded by typical home value, it ranks 3 of the 10 with a value.

3 school locations in 32309: 2 elementary, 1 middle.

In alphabetical order: DESOTO TRAIL ELEMENTARY SCHOOL, ROBERTS ELEMENTARY SCHOOL, WILLIAM J MONTFORD III MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32317 was worth $161,172.

Values peaked at $410,837 in August 2026. The latest reading is the peak.

As of August 2026: $410,837, +2.1% over twelve months.

Start with the typical home: $410,837. Put 20% down and borrow $328,670 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,276 a month in principal and interest.

The median household here earns $121,802 a year, $10,150 a month. So the payment takes 22.4% 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 8.8% 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 $965.

In December 2020, with rates at 2.68%, it was $1,036.

By August 2026, at 6.67%, it was $2,114 — +104% since December 2020, while the home's value moved +28%.

Reported values rose +155% 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 $318,090. So the real change is +29%, not +155%.

32317: +155% since January 2000.

Leon County: +147% since January 2000.

Florida: +245% since January 2000 — 32317 ran behind it by 90 points.

Owning the typical home costs about $2,686 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,495 a month.

Price divided by a year's rent: 13.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32309 was worth $156,028.

Values peaked at $400,007 in August 2026. The latest reading is the peak.

As of August 2026: $400,007, +2.7% over twelve months.

Start with the typical home: $400,007. Put 20% down and borrow $320,006 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,216 a month in principal and interest.

The median household here earns $110,162 a year, $9,180 a month. So the payment takes 24.1% 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 9.4% 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 $934.

In December 2020, with rates at 2.68%, it was $988.

By August 2026, at 6.67%, it was $2,058 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +156% 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 $307,937. So the real change is +30%, not +156%.

32309: +156% since January 2000.

Leon County: +147% since January 2000.

Florida: +245% since January 2000 — 32309 ran behind it by 89 points.

Owning the typical home costs about $2,616 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,576 a month.

Price divided by a year's rent: 21.2. 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 36 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 124.

Going out — closed sales: about 22 a month. That is 85% of the 2015–2019 level for the same months. The drain is drawn 49% narrower: the share of homes for sale that sell each month is 51% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.6 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 116% of it, and below it in 8 of the last 24 months.

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).

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 44 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 114. That is 56% of the 2015–2019 level for the same months.

Going out — closed sales: about 41 a month. That is 71% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.8 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 came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 41 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 49 — so sales ran at 84% of it, and below it in 24 of the last 24 months.

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).

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: 124 in June 2026.

Most arrivals came from Gadsden, FL (517 households); most departures went to Wakulla, FL (564).

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: 114 in June 2026.

Most arrivals came from Gadsden, FL (517 households); most departures went to Wakulla, FL (564).