Lotvox market story · compare
ZIP 32324 vs ZIP 32332
1 of 4
Who's going to sell
Turnover Index not published for 32324 yet.
Where
32324 in Gadsden County, FL
32324 is one of 7 ZIP codes that lie mostly in Gadsden County, FL.
Shaded by typical home value, it ranks 5 of the 6 with a value.
- Value rank in county
- 5 of 6
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32324
1 school location in 32324: 1 elementary.
In alphabetical order: CHATTAHOOCHEE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 32332 yet.
Where
32332 in Gadsden County, FL
32332 is one of 7 ZIP codes that lie mostly in Gadsden County, FL.
Shaded by typical home value, it ranks 6 of the 6 with a value.
- Value rank in county
- 6 of 6
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
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What it costs
Home values
What homes are worth in 32324
In March 2004 the typical home in 32324 was worth $78,992.
Values peaked at $142,675 in September 2024. The latest reading is −17.6% from that peak.
As of August 2026: $117,633, −4.5% over twelve months.
- Typical home value
- $117,633
- 12-month change
- −4.5%
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: $117,633. Put 20% down and borrow $94,106 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $652 a month in principal and interest.
The median household here earns $42,607 a year, $3,551 a month. So the payment takes 18.4% 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 12.3% in 2004.
- Payment share of income
- 18.4%
- Monthly P&I
- $652
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 March 2004 (5.45%) the payment was $357.
In December 2020, with rates at 2.68%, it was $286.
By August 2026, at 6.67%, it was $605 — +111% since December 2020, while the home's value moved +33%.
- Payment change since 2020
- +111%
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 +49% since March 2004.
General prices (CPI-U) rose +79% over the same span.
Divide one by the other: in August 2026 dollars, the 2004 home was worth $141,067. So the real change is −17%, not +49%.
- Real change since 2004
- −17%
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
32324 against its neighbors
32324: +49% since March 2004.
Gadsden County: +65% since March 2004.
Florida: +133% since March 2004 — 32324 ran behind it by 84 points.
- Change since 2004
- +49%
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 $769 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $693 a month.
Price divided by a year's rent: 14.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 14.1
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 32332
In February 2018 the typical home in 32332 was worth $57,985.
Values peaked at $120,228 in August 2024. The latest reading is −16.9% from that peak.
As of August 2026: $99,898, +8.3% over twelve months.
- Typical home value
- $99,898
- 12-month change
- +8.3%
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: $99,898. Put 20% down and borrow $79,918 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $553 a month in principal and interest.
The median household here earns $33,750 a year, $2,813 a month. So the payment takes 19.7% 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 11.4% in 2018.
- Payment share of income
- 19.7%
- Monthly P&I
- $553
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 February 2018 (4.33%) the payment was $230.
In December 2020, with rates at 2.68%, it was $260.
By August 2026, at 6.67%, it was $514 — +97% since December 2020, while the home's value moved +24%.
- Payment change since 2020
- +97%
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 +72% since February 2018.
General prices (CPI-U) rose +34% over the same span.
Divide one by the other: in August 2026 dollars, the 2018 home was worth $77,645. So the real change is +29%, not +72%.
- Real change since 2018
- +29%
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
32332 against its neighbors
32332: +72% since February 2018.
Gadsden County: +89% since February 2018.
Florida: +65% since February 2018 — 32332 ran ahead of it by 7 points.
- Change since 2018
- +72%
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 $653 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $671 a month.
Price divided by a year's rent: 12.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 12.4
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)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 1 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 50% of it, and below it in 8 of the last 24 months.
- Sales vs 2015–19 level
- 50%
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 Gadsden County, builders pulled permits for 122 new homes in 2025.
Of those, 36% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 122
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 0 a month in August 2025 (Redfin).
The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 9 of the last 23 months.
- Sales vs 2015–19 level
- NaN%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2025-08
New supply
Homes being permitted
Across Gadsden County, builders pulled permits for 122 new homes in 2025.
Of those, 36% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 122
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Gadsden County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 646 moved in. Among the ten receiving the most, 643 moved out.
Net across those counties: +3 households. Beside it, homes for sale in this ZIP: 12 in June 2026.
Most arrivals came from Leon, FL (560 households); most departures went to Leon, FL (517).
- Net households (top-10 flows)
- +3
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 Gadsden County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 646 moved in. Among the ten receiving the most, 643 moved out.
Net across those counties: +3 households. Beside it, homes for sale in this ZIP: 2 in June 2026.
Most arrivals came from Leon, FL (560 households); most departures went to Leon, FL (517).
- Net households (top-10 flows)
- +3
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01