Lotvox market story · compare
ZIP 32430 vs ZIP 32421
1 of 4
Who's going to sell
Turnover Index not published for 32430 yet.
Where
32430 in Calhoun County, FL
32430 is one of 4 ZIP codes that lie mostly in Calhoun County, FL.
Shaded by typical home value, it ranks 1 of the 4 with a value.
- Value rank in county
- 1 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32430
1 school location in 32430: 1 middle.
In alphabetical order: CARR ELEMENTARY & MIDDLE 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 32421 yet.
Where
32421 in Calhoun County, FL
32421 is one of 4 ZIP codes that lie mostly in Calhoun County, FL.
Shaded by typical home value, it ranks 2 of the 4 with a value.
- Value rank in county
- 2 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32421
1 school location in 32421: 1 high.
In alphabetical order: ALTHA PUBLIC SCHOOL. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 32430
In February 2019 the typical home in 32430 was worth $142,777.
Values peaked at $232,111 in August 2024. The latest reading is −7.9% from that peak.
As of August 2026: $213,678, −4.4% over twelve months.
- Typical home value
- $213,678
- 12-month change
- −4.4%
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: $213,678. Put 20% down and borrow $170,942 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,184 a month in principal and interest.
The median household here earns $57,037 a year, $4,753 a month. So the payment takes 24.9% 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 16.6% in 2019.
- Payment share of income
- 24.9%
- Monthly P&I
- $1,184
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 2019 (4.37%) the payment was $570.
In December 2020, with rates at 2.68%, it was $556.
By August 2026, at 6.67%, it was $1,099 — +98% since December 2020, while the home's value moved +24%.
- Payment change since 2020
- +98%
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 +50% 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 $188,325. So the real change is +13%, not +50%.
- Real change since 2019
- +13%
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
32430 against its neighbors
32430: +50% since February 2019.
Calhoun County: +50% since February 2019.
Florida: +55% since February 2019 — 32430 ran behind it by 5 points.
- Change since 2019
- +50%
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 $1,397 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $779 a month.
Price divided by a year's rent: 22.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 22.9
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; 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 32421
In March 2009 the typical home in 32421 was worth $114,901.
Values peaked at $208,252 in August 2024. The latest reading is −5.9% from that peak.
As of August 2026: $195,898, −3.0% over twelve months.
- Typical home value
- $195,898
- 12-month change
- −3.0%
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: $195,898. Put 20% down and borrow $156,718 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,085 a month in principal and interest.
The median household here earns $45,536 a year, $3,795 a month. So the payment takes 28.6% 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 16.8% in 2009.
- Payment share of income
- 28.6%
- Monthly P&I
- $1,085
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 2009 (5.00%) the payment was $494.
In December 2020, with rates at 2.68%, it was $495.
By August 2026, at 6.67%, it was $1,008 — +104% since December 2020, while the home's value moved +28%.
- Payment change since 2020
- +104%
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 +70% since March 2009.
General prices (CPI-U) rose +57% over the same span.
Divide one by the other: in August 2026 dollars, the 2009 home was worth $180,672. So the real change is +8%, not +70%.
- Real change since 2009
- +8%
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
32421 against its neighbors
32421: +71% since March 2009.
Calhoun County: +61% since March 2009.
Florida: +117% since March 2009 — 32421 ran behind it by 47 points.
- Change since 2009
- +71%
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 $1,281 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $755 a month.
Price divided by a year's rent: 21.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 21.6
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 June 2026 (Redfin).
The 2015–2019 level for the same month was 0 — so sales ran at ∞% of it, and below it in 2 of the last 24 months.
- Sales vs 2015–19 level
- ∞%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-06
New supply
Homes being permitted
Across Calhoun County, builders pulled permits for 4 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 4
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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 2 — so sales ran at 100% of it, and below it in 4 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 Calhoun County, builders pulled permits for 4 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 4
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 Calhoun County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 141 moved in. Among the ten receiving the most, 183 moved out.
Net across those counties: −42 households. Beside it, homes for sale in this ZIP: 2 in June 2026.
Most arrivals came from Jackson, FL (55 households); most departures went to Jackson, FL (80).
- Net households (top-10 flows)
- −42
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 Calhoun County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 141 moved in. Among the ten receiving the most, 183 moved out.
Net across those counties: −42 households. Beside it, homes for sale in this ZIP: 10 in June 2026.
Most arrivals came from Jackson, FL (55 households); most departures went to Jackson, FL (80).
- Net households (top-10 flows)
- −42
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01