ZIP 32435 vs ZIP 32433

32435 is one of 7 ZIP codes that lie mostly in Walton County, FL.

Shaded by typical home value, it ranks 5 of the 7 with a value.

8 school locations in 32435: 1 elementary, 1 middle, 6 high.

In alphabetical order: WALTON ACADEMY INC., WALTON COUNTY JAIL PROGRAM, WALTON LEARNING CENTER, WALTON MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32433 is one of 7 ZIP codes that lie mostly in Walton County, FL.

Shaded by typical home value, it ranks 6 of the 7 with a value.

5 school locations in 32433: 2 elementary, 3 high.

In alphabetical order: EMERALD COAST TECHNICAL COLLEGE, MAUDE SAUNDERS ELEMENTARY SCHOOL, MOSSY HEAD SCHOOL, WALTON HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32435 was worth $84,646.

Values peaked at $243,602 in June 2024. The latest reading is −1.5% from that peak.

As of August 2026: $239,859, +2.0% over twelve months.

Start with the typical home: $239,859. Put 20% down and borrow $191,887 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,329 a month in principal and interest.

The median household here earns $63,017 a year, $5,251 a month. So the payment takes 25.3% 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 8.9% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $507.

In December 2020, with rates at 2.68%, it was $583.

By August 2026, at 6.67%, it was $1,234 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +183% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $167,058. So the real change is +44%, not +183%.

32435: +183% since January 2000.

Walton County: +210% since January 2000.

Florida: +245% since January 2000 — 32435 ran behind it by 62 points.

Owning the typical home costs about $1,568 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $823 a month.

Price divided by a year's rent: 24.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32433 was worth $66,926.

Values peaked at $239,573 in April 2024. The latest reading is −3.9% from that peak.

As of August 2026: $230,172, −0.3% over twelve months.

Start with the typical home: $230,172. Put 20% down and borrow $184,138 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,275 a month in principal and interest.

The median household here earns $51,604 a year, $4,300 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 8.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $401.

In December 2020, with rates at 2.68%, it was $545.

By August 2026, at 6.67%, it was $1,184 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +244% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $132,085. So the real change is +74%, not +244%.

32433: +244% since January 2000.

Walton County: +210% since January 2000.

Florida: +245% since January 2000 — 32433 ran behind it by 1 points.

Owning the typical home costs about $1,505 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,738 a month.

Price divided by a year's rent: 11.0. 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: 39.

Going out — closed sales: about 10 a month. The drain is drawn 14% narrower: the share of homes for sale that sell each month is 86% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.0 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 200% of it, and below it in 8 of the last 24 months.

Across Walton County, builders pulled permits for 2,399 new homes in 2025.

Of those, 59% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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

On the shelf — homes for sale at the end of the period: 110.

Going out — closed sales: about 19 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 = 5.8 months of supply — inside 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 19 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 190% of it, and below it in 3 of the last 24 months.

Across Walton County, builders pulled permits for 2,399 new homes in 2025.

Of those, 59% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Walton County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,436 moved in. Among the ten receiving the most, 1,166 moved out.

Net across those counties: +270 households. Beside it, homes for sale in this ZIP: 39 in June 2026.

Most arrivals came from Okaloosa, FL (860 households); most departures went to Okaloosa, FL (544).

This ZIP sits in Walton County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,436 moved in. Among the ten receiving the most, 1,166 moved out.

Net across those counties: +270 households. Beside it, homes for sale in this ZIP: 110 in June 2026.

Most arrivals came from Okaloosa, FL (860 households); most departures went to Okaloosa, FL (544).