ZIP 32351 vs ZIP 32324

32351 is one of 7 ZIP codes that lie mostly in Gadsden County, FL.

Shaded by typical home value, it ranks 4 of the 6 with a value.

14 school locations in 32351: 5 elementary, 3 middle, 6 high.

In alphabetical order: BOLD STEP INFANT CARE, CARTER PARRAMORE ACADEMY, CROSSROAD ACADEMY, GADSDEN CENTRAL ACADEMY, and more on the ZIP page. Locations only — no ratings are shown here.

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.

1 school location in 32324: 1 elementary.

In alphabetical order: CHATTAHOOCHEE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In February 2004 the typical home in 32351 was worth $93,938.

Values peaked at $178,960 in October 2024. The latest reading is −2.6% from that peak.

As of August 2026: $174,377, +0.3% over twelve months.

Start with the typical home: $174,377. Put 20% down and borrow $139,502 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $966 a month in principal and interest.

The median household here earns $39,219 a year, $3,268 a month. So the payment takes 29.6% 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 15.9% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2004 (5.64%) the payment was $433.

In December 2020, with rates at 2.68%, it was $379.

By August 2026, at 6.67%, it was $897 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +86% since February 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 $168,118. So the real change is +4%, not +86%.

32351: +84% since March 2004.

Gadsden County: +65% since March 2004.

Florida: +133% since March 2004 — 32351 ran behind it by 49 points.

Owning the typical home costs about $1,140 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $758 a month.

Price divided by a year's rent: 19.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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.

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%.

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%.

32324: +49% since March 2004.

Gadsden County: +65% since March 2004.

Florida: +133% since March 2004 — 32324 ran behind it by 84 points.

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.

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 10 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 55.

Going out — closed sales: about 6 a month. The drain is drawn 33% narrower: the share of homes for sale that sell each month is 67% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.2 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 4 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 6 — so sales ran at 100% of it, and below it in 8 of the last 24 months.

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).

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.

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).

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: 55 in June 2026.

Most arrivals came from Leon, FL (560 households); most departures went to Leon, FL (517).

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).