ZIP 32446 vs ZIP 32420

32446 is one of 12 ZIP codes that lie mostly in Jackson County, FL.

Shaded by typical home value, it ranks 1 of the 11 with a value.

9 school locations in 32446: 2 elementary, 1 middle, 6 high.

In alphabetical order: DIST WIDE GIFTED PROGRAM, DIST WIDE HOMEBOUND PROGRAM, JACKSON COUNTY EARLY CHILDHOOD CENTER, JACKSON VIRTUAL FRANCHISE, and more on the ZIP page. Locations only — no ratings are shown here.

32420 is one of 12 ZIP codes that lie mostly in Jackson County, FL — 98% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 11 with a value.

In February 2004 the typical home in 32446 was worth $127,323.

Values peaked at $222,790 in July 2026. The latest reading is −0.1% from that peak.

As of August 2026: $222,662, +1.8% over twelve months.

Start with the typical home: $222,662. Put 20% down and borrow $178,130 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,233 a month in principal and interest.

The median household here earns $53,505 a year, $4,459 a month. So the payment takes 27.7% 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 15.8% 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 $587.

In December 2020, with rates at 2.68%, it was $516.

By August 2026, at 6.67%, it was $1,146 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +75% 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 $227,866. So the real change is −2%, not +75%.

32446: +74% since March 2004.

Jackson County: +68% since March 2004.

Florida: +133% since March 2004 — 32446 ran behind it by 59 points.

Owning the typical home costs about $1,456 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,180 a month.

Price divided by a year's rent: 15.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In March 2004 the typical home in 32420 was worth $104,399.

Values peaked at $213,461 in August 2024. The latest reading is −2.9% from that peak.

As of August 2026: $207,243, −1.3% over twelve months.

Start with the typical home: $207,243. Put 20% down and borrow $165,794 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,148 a month in principal and interest.

The median household here earns $46,455 a year, $3,871 a month. So the payment takes 29.7% 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 14.9% 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 $471.

In December 2020, with rates at 2.68%, it was $473.

By August 2026, at 6.67%, it was $1,066 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +99% 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 $186,440. So the real change is +11%, not +99%.

32420: +99% since March 2004.

Jackson County: +68% since March 2004.

Florida: +133% since March 2004 — 32420 ran behind it by 34 points.

Owning the typical home costs about $1,355 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $632 a month.

Price divided by a year's rent: 27.3. 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 12 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 10 a month.

The ladder: homes for sale ÷ monthly sales = 4.3 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 9 — so sales ran at 111% of it, and below it in 7 of the last 24 months.

Across Jackson County, builders pulled permits for 98 new homes in 2025.

Of those, 98% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 150% of it, and below it in 7 of the last 24 months.

Across Jackson County, builders pulled permits for 98 new homes in 2025.

Of those, 98% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Jackson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 532 moved in. Among the ten receiving the most, 488 moved out.

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

Most arrivals came from Bay, FL (122 households); most departures went to Bay, FL (106).

This ZIP sits in Jackson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 532 moved in. Among the ten receiving the most, 488 moved out.

Net across those counties: +44 households. Beside it, homes for sale in this ZIP: 20 in June 2026.

Most arrivals came from Bay, FL (122 households); most departures went to Bay, FL (106).