ZIP 32425 vs ZIP 32464

32425 is one of 2 ZIP codes that lie mostly in Holmes County, FL — 87% of its own area is in the county.

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

7 school locations in 32425: 2 middle, 5 high.

In alphabetical order: BETHLEHEM HIGH SCHOOL, BONIFAY K-8 SCHOOL, GRADUATION ASSISTANCE PROGRAM, HOLMES COUNTY HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32464 is one of 2 ZIP codes that lie mostly in Holmes County, FL — 82% of its own area is in the county.

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

In July 2004 the typical home in 32425 was worth $108,680.

Values peaked at $205,144 in July 2022. The latest reading is −7.6% from that peak.

As of August 2026: $189,471, −3.0% over twelve months.

Start with the typical home: $189,471. Put 20% down and borrow $151,577 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,049 a month in principal and interest.

The median household here earns $44,651 a year, $3,721 a month. So the payment takes 28.2% 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 16.2% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in July 2004 (6.06%) the payment was $524.

In December 2020, with rates at 2.68%, it was $487.

By August 2026, at 6.67%, it was $975 — +100% since December 2020, while the home's value moved +26%.

Reported values rose +74% since July 2004.

General prices (CPI-U) rose +77% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $192,033. So the real change is −1%, not +74%.

32425: +68% since November 2004.

Holmes County: +60% since November 2004.

Florida: +107% since November 2004 — 32425 ran behind it by 39 points.

Owning the typical home costs about $1,239 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $812 a month.

Price divided by a year's rent: 19.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In October 2003 the typical home in 32464 was worth $116,245.

Values peaked at $220,736 in July 2022. The latest reading is −8.7% from that peak.

As of August 2026: $201,484, +0.3% over twelve months.

Start with the typical home: $201,484. Put 20% down and borrow $161,187 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,116 a month in principal and interest.

The median household here earns $57,056 a year, $4,755 a month. So the payment takes 23.5% 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 13.5% in 2003.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in October 2003 (5.95%) the payment was $555.

In December 2020, with rates at 2.68%, it was $549.

By August 2026, at 6.67%, it was $1,037 — +89% since December 2020, while the home's value moved +19%.

Reported values rose +73% since October 2003.

General prices (CPI-U) rose +81% over the same span.

Divide one by the other: in August 2026 dollars, the 2003 home was worth $210,065. So the real change is −4%, not +73%.

32464: +51% since November 2004.

Holmes County: +60% since November 2004.

Florida: +107% since November 2004 — 32464 ran behind it by 56 points.

Owning the typical home costs about $1,318 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $792 a month.

Price divided by a year's rent: 21.2. 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 13 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 44.

Going out — closed sales: about 4 a month. The drain is drawn 11% narrower: the share of homes for sale that sell each month is 89% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 10.2 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 67% of it, and below it in 12 of the last 24 months.

Across Holmes County, builders pulled permits for 12 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 6 of the last 24 months.

Across Holmes County, builders pulled permits for 12 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 Holmes County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 313 moved in. Among the ten receiving the most, 265 moved out.

Net across those counties: +48 households. Beside it, homes for sale in this ZIP: 44 in June 2026.

Most arrivals came from Washington, FL (96 households); most departures went to Washington, FL (76).

This ZIP sits in Holmes County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 313 moved in. Among the ten receiving the most, 265 moved out.

Net across those counties: +48 households. Beside it, homes for sale in this ZIP: 5 in June 2026.

Most arrivals came from Washington, FL (96 households); most departures went to Washington, FL (76).