Lotvox market story · compare
ZIP 32462 vs ZIP 32427
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Who's going to sell
Turnover Index not published for 32462 yet.
Where
32462 in Washington County, FL
32462 is one of 5 ZIP codes that lie mostly in Washington County, FL — 83% of its own area is in the county.
Shaded by typical home value, it ranks 3 of the 3 with a value.
- Value rank in county
- 3 of 3
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32462
3 school locations in 32462: 1 elementary, 1 middle, 1 high.
In alphabetical order: VERNON ELEMENTARY SCHOOL, VERNON HIGH SCHOOL, VERNON MIDDLE SCHOOL. Locations only — no ratings are shown here.
- School locations
- 3
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 32427 yet.
Where
32427 in Washington County, FL
32427 is one of 5 ZIP codes that lie mostly in Washington County, FL.
Shaded by typical home value, it ranks 2 of the 3 with a value.
- Value rank in county
- 2 of 3
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
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What it costs
Home values
What homes are worth in 32462
In June 2004 the typical home in 32462 was worth $72,341.
Values peaked at $194,180 in March 2025. The latest reading is −1.3% from that peak.
As of August 2026: $191,629, +1.9% over twelve months.
- Typical home value
- $191,629
- 12-month change
- +1.9%
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: $191,629. Put 20% down and borrow $153,303 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,061 a month in principal and interest.
The median household here earns $43,581 a year, $3,632 a month. So the payment takes 29.2% 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 11.0% in 2004.
- Payment share of income
- 29.2%
- Monthly P&I
- $1,061
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 June 2004 (6.29%) the payment was $358.
In December 2020, with rates at 2.68%, it was $450.
By August 2026, at 6.67%, it was $986 — +119% since December 2020, while the home's value moved +38%.
- Payment change since 2020
- +119%
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 +165% since June 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 $127,959. So the real change is +50%, not +165%.
- Real change since 2004
- +50%
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
32462 against its neighbors
32462: +169% since January 2011.
Washington County: +152% since January 2011.
Florida: +167% since January 2011 — 32462 ran ahead of it by 2 points.
- Change since 2011
- +169%
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 $1,253 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $747 a month.
Price divided by a year's rent: 21.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 21.4
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)
Home values
What homes are worth in 32427
In February 2019 the typical home in 32427 was worth $115,406.
Values peaked at $216,117 in March 2025. The latest reading is −9.7% from that peak.
As of August 2026: $195,166, −3.3% over twelve months.
- Typical home value
- $195,166
- 12-month change
- −3.3%
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: $195,166. Put 20% down and borrow $156,133 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,081 a month in principal and interest.
The median household here earns $55,227 a year, $4,602 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 13.9% in 2019.
- Payment share of income
- 23.5%
- Monthly P&I
- $1,081
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 $461.
In December 2020, with rates at 2.68%, it was $474.
By August 2026, at 6.67%, it was $1,004 — +112% since December 2020, while the home's value moved +33%.
- Payment change since 2020
- +112%
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 +69% 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 $152,222. So the real change is +28%, not +69%.
- Real change since 2019
- +28%
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
32427 against its neighbors
32427: +69% since February 2019.
Washington County: +85% since February 2019.
Florida: +55% since February 2019 — 32427 ran ahead of it by 15 points.
- Change since 2019
- +69%
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 $1,276 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $874 a month.
Price divided by a year's rent: 18.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 18.6
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 August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 50% of it, and below it in 16 of the last 24 months.
- Sales vs 2015–19 level
- 50%
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 Washington County, builders pulled permits for 223 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
- 223
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 0 a month in March 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 8 of the last 24 months.
- Sales vs 2015–19 level
- 0%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-03
New supply
Homes being permitted
Across Washington County, builders pulled permits for 223 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
- 223
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Washington County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 404 moved in. Among the ten receiving the most, 421 moved out.
Net across those counties: −17 households. Beside it, homes for sale in this ZIP: 3 in June 2026.
Most arrivals came from Bay, FL (216 households); most departures went to Bay, FL (182).
- Net households (top-10 flows)
- −17
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 Washington County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 404 moved in. Among the ten receiving the most, 421 moved out.
Net across those counties: −17 households. Beside it, homes for sale in this ZIP: 1 in June 2026.
Most arrivals came from Bay, FL (216 households); most departures went to Bay, FL (182).
- Net households (top-10 flows)
- −17
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01