ZIP 32320 vs ZIP 32322

32320 is one of 4 ZIP codes that lie mostly in Franklin County, FL.

Shaded by typical home value, it ranks 2 of the 4 with a value.

1 school location in 32320: 1 middle.

In alphabetical order: APALACHICOLA BAY CHARTER SCHOOL. Locations only — no ratings are shown here.

32322 is one of 4 ZIP codes that lie mostly in Franklin County, FL.

Shaded by typical home value, it ranks 3 of the 4 with a value.

In January 2000 the typical home in 32320 was worth $82,786.

Values peaked at $331,519 in May 2024. The latest reading is −11.3% from that peak.

As of August 2026: $294,174, −3.8% over twelve months.

Start with the typical home: $294,174. Put 20% down and borrow $235,339 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,629 a month in principal and interest.

The median household here earns $51,750 a year, $4,313 a month. So the payment takes 37.8% 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 10.6% 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 $496.

In December 2020, with rates at 2.68%, it was $781.

By August 2026, at 6.67%, it was $1,513 — +94% since December 2020, while the home's value moved +22%.

Reported values rose +255% 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 $163,387. So the real change is +80%, not +255%.

32320: +255% since January 2000.

Franklin County: +261% since January 2000.

Florida: +245% since January 2000 — 32320 ran ahead of it by 10 points.

Owning the typical home costs about $1,924 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,404 a month.

Price divided by a year's rent: 17.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32322 was worth $63,832.

Values peaked at $318,323 in May 2024. The latest reading is −9.4% from that peak.

As of August 2026: $288,331, −4.6% over twelve months.

Start with the typical home: $288,331. Put 20% down and borrow $230,665 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,597 a month in principal and interest.

The median household here earns $58,030 a year, $4,836 a month. So the payment takes 33.0% 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 7.3% 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 $382.

In December 2020, with rates at 2.68%, it was $697.

By August 2026, at 6.67%, it was $1,483 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +352% 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 $125,979. So the real change is +129%, not +352%.

32322: +352% since January 2000.

Franklin County: +261% since January 2000.

Florida: +245% since January 2000 — 32322 ran ahead of it by 107 points.

Owning the typical home costs about $1,885 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,113 a month.

Price divided by a year's rent: 21.6. 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 8 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 48.

Going out — closed sales: about 6 a month. The drain is drawn 46% narrower: the share of homes for sale that sell each month is 54% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.5 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 6 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 150% of it, and below it in 1 of the last 24 months.

Across Franklin County, builders pulled permits for 112 new homes in 2025.

Of those, 100% 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 93.

Going out — closed sales: about 9 a month. The drain is drawn 61% narrower: the share of homes for sale that sell each month is 39% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 10.0 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

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

The 2015–2019 level for the same month was 6 — so sales ran at 150% of it, and below it in 9 of the last 24 months.

Across Franklin County, builders pulled permits for 112 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Franklin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 37 moved in. Among the ten receiving the most, 65 moved out.

Net across those counties: −28 households. Beside it, homes for sale in this ZIP: 48 in June 2026.

Most arrivals came from Leon, FL (37 households); most departures went to Leon, FL (44).

This ZIP sits in Franklin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 37 moved in. Among the ten receiving the most, 65 moved out.

Net across those counties: −28 households. Beside it, homes for sale in this ZIP: 93 in June 2026.

Most arrivals came from Leon, FL (37 households); most departures went to Leon, FL (44).