Lotvox market story · compare
ZIP 32343 vs ZIP 32352
1 of 4
Who's going to sell
Turnover Index not published for 32343 yet.
Where
32343 in Gadsden County, FL
32343 is one of 7 ZIP codes that lie mostly in Gadsden County, FL.
Shaded by typical home value, it ranks 2 of the 6 with a value.
- Value rank in county
- 2 of 6
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 32352 yet.
Where
32352 in Gadsden County, FL
32352 is one of 7 ZIP codes that lie mostly in Gadsden County, FL.
Shaded by typical home value, it ranks 3 of the 6 with a value.
- Value rank in county
- 3 of 6
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
2 of 4
What it costs
Home values
What homes are worth in 32343
In March 2004 the typical home in 32343 was worth $135,983.
Values peaked at $261,418 in July 2024. The latest reading is −2.9% from that peak.
As of August 2026: $253,857, −1.9% over twelve months.
- Typical home value
- $253,857
- 12-month change
- −1.9%
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: $253,857. Put 20% down and borrow $203,086 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,406 a month in principal and interest.
The median household here earns $60,735 a year, $5,061 a month. So the payment takes 27.8% 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 14.9% in 2004.
- Payment share of income
- 27.8%
- Monthly P&I
- $1,406
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 $614.
In December 2020, with rates at 2.68%, it was $570.
By August 2026, at 6.67%, it was $1,306 — +129% since December 2020, while the home's value moved +44%.
- Payment change since 2020
- +129%
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 +87% 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 $242,844. So the real change is +5%, not +87%.
- Real change since 2004
- +5%
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
32343 against its neighbors
32343: +87% since March 2004.
Gadsden County: +65% since March 2004.
Florida: +133% since March 2004 — 32343 ran behind it by 46 points.
- Change since 2004
- +87%
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 $1,660 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,097 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.
- Price-to-rent
- 19.3
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 32352
In March 2004 the typical home in 32352 was worth $121,572.
Values peaked at $218,441 in August 2024. The latest reading is −3.7% from that peak.
As of August 2026: $210,340, +1.8% over twelve months.
- Typical home value
- $210,340
- 12-month change
- +1.8%
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: $210,340. Put 20% down and borrow $168,272 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,165 a month in principal and interest.
The median household here earns $40,956 a year, $3,413 a month. So the payment takes 34.1% 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 19.7% in 2004.
- Payment share of income
- 34.1%
- Monthly P&I
- $1,165
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 $549.
In December 2020, with rates at 2.68%, it was $477.
By August 2026, at 6.67%, it was $1,082 — +127% since December 2020, while the home's value moved +43%.
- Payment change since 2020
- +127%
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 +73% 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 $217,108. So the real change is −3%, not +73%.
- Real change since 2004
- −3%
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
32352 against its neighbors
32352: +73% since March 2004.
Gadsden County: +65% since March 2004.
Florida: +133% since March 2004 — 32352 ran behind it by 60 points.
- Change since 2004
- +73%
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 $1,375 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,020 a month.
Price divided by a year's rent: 17.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 17.2
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
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 21 of the last 24 months.
- Sales vs 2015–19 level
- 67%
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 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 6 of the last 24 months.
- Sales vs 2015–19 level
- 100%
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
4 of 4
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: 10 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: 10 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