ZIP 32321 vs ZIP 32334

32321 is one of 3 ZIP codes that lie mostly in Liberty County, FL — 98% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 2 with a value.

8 school locations in 32321: 1 elementary, 1 middle, 6 high.

In alphabetical order: APALACHICOLA FOREST YOUTH ACADEMY, LIBERTY COUNTY HIGH SCHOOL, LIBERTY EARLY LEARNING CENTER, LIBERTY K12 VIRTUAL, and more on the ZIP page. Locations only — no ratings are shown here.

32334 is one of 3 ZIP codes that lie mostly in Liberty County, FL.

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

1 school location in 32334: 1 middle.

In alphabetical order: HOSFORD ELEMENTARY JUNIOR HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2011 the typical home in 32321 was worth $96,073.

Values peaked at $213,389 in August 2026. The latest reading is the peak.

As of August 2026: $213,389, +4.3% over twelve months.

Start with the typical home: $213,389. Put 20% down and borrow $170,711 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,182 a month in principal and interest.

The median household here earns $53,491 a year, $4,458 a month. So the payment takes 26.5% 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 11.9% in 2011.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2011 (4.76%) the payment was $401.

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

By August 2026, at 6.67%, it was $1,098 — +138% since December 2020, while the home's value moved +50%.

Reported values rose +122% since January 2011.

General prices (CPI-U) rose +51% over the same span.

Divide one by the other: in August 2026 dollars, the 2011 home was worth $145,130. So the real change is +47%, not +122%.

32321: +122% since January 2011.

Liberty County: +121% since January 2011.

Florida: +167% since January 2011 — 32321 ran behind it by 45 points.

Owning the typical home costs about $1,395 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $887 a month.

Price divided by a year's rent: 20.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2019 the typical home in 32334 was worth $110,473.

Values peaked at $200,646 in August 2026. The latest reading is the peak.

As of August 2026: $200,646, +5.6% over twelve months.

Start with the typical home: $200,646. Put 20% down and borrow $160,517 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,111 a month in principal and interest.

The median household here earns $55,380 a year, $4,615 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 13.3% in 2019.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2019 (4.37%) the payment was $441.

In December 2020, with rates at 2.68%, it was $399.

By August 2026, at 6.67%, it was $1,032 — +159% since December 2020, while the home's value moved +63%.

Reported values rose +82% since February 2019.

General prices (CPI-U) rose +32% over the same span.

Divide one by the other: in August 2026 dollars, the 2019 home was worth $145,715. So the real change is +38%, not +82%.

32334: +82% since February 2019.

Liberty County: +77% since February 2019.

Florida: +55% since February 2019 — 32334 ran ahead of it by 27 points.

Owning the typical home costs about $1,312 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $868 a month.

Price divided by a year's rent: 19.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 100% of it, and below it in 4 of the last 24 months.

Across Liberty County, builders pulled permits for 25 new homes in 2025.

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

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 4 of the last 24 months.

Across Liberty County, builders pulled permits for 25 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 Liberty County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 67 moved in. Among the ten receiving the most, 67 moved out.

Net across those counties: 0 households. Beside it, homes for sale in this ZIP: 10 in June 2026.

Most arrivals came from Leon, FL (37 households); most departures went to Calhoun, FL (41).

This ZIP sits in Liberty County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 67 moved in. Among the ten receiving the most, 67 moved out.

Net across those counties: 0 households. Beside it, homes for sale in this ZIP: 3 in June 2026.

Most arrivals came from Leon, FL (37 households); most departures went to Calhoun, FL (41).