ZIP 32501 vs ZIP 32514

32501 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 10 of the 15 with a value.

5 school locations in 32501: 5 high.

In alphabetical order: ACHIEVE ACADEMY AT MCMILLIAN, ESCAMBIA JUVENILE DETENTION, ESCAMBIA SCH. DIST. JAIL PROG., HOPE HORIZON AT JUDY ANDREWS CENTER, and more on the ZIP page. Locations only — no ratings are shown here.

32514 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 11 of the 15 with a value.

3 school locations in 32514: 2 elementary, 1 middle.

In alphabetical order: ENSLEY ELEMENTARY SCHOOL, FERRY PASS ELEMENTARY SCHOOL, FERRY PASS MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32501 was worth $97,399.

Values peaked at $279,662 in January 2024. The latest reading is −5.2% from that peak.

As of August 2026: $265,232, +0.4% over twelve months.

Start with the typical home: $265,232. Put 20% down and borrow $212,186 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,469 a month in principal and interest.

The median household here earns $39,127 a year, $3,261 a month. So the payment takes 45.1% of income — rated “severe” (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 16.5% 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 $583.

In December 2020, with rates at 2.68%, it was $666.

By August 2026, at 6.67%, it was $1,365 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +172% 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 $192,227. So the real change is +38%, not +172%.

32501: +172% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32501 ran behind it by 73 points.

Owning the typical home costs about $1,734 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,660 a month.

Price divided by a year's rent: 13.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32514 was worth $97,536.

Values peaked at $266,003 in July 2024. The latest reading is −1.8% from that peak.

As of August 2026: $261,329, +2.1% over twelve months.

Start with the typical home: $261,329. Put 20% down and borrow $209,063 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,448 a month in principal and interest.

The median household here earns $66,484 a year, $5,540 a month. So the payment takes 26.1% 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 9.8% 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 $584.

In December 2020, with rates at 2.68%, it was $616.

By August 2026, at 6.67%, it was $1,344 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +168% 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 $192,497. So the real change is +36%, not +168%.

32514: +168% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32514 ran behind it by 77 points.

Owning the typical home costs about $1,709 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,537 a month.

Price divided by a year's rent: 14.2. 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 26 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 99.

Going out — closed sales: about 15 a month. The drain is drawn 8% narrower: the share of homes for sale that sell each month is 92% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.6 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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 15 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 14 — so sales ran at 107% of it, and below it in 6 of the last 24 months.

Across Escambia County, builders pulled permits for 1,398 new homes in 2025.

Of those, 98% 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 53 a month (Redfin, 3-month rolling data through August 2026). That is 91% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 158. That is 82% of the 2015–2019 level for the same months.

Going out — closed sales: about 40 a month. That is 67% of the 2015–2019 level for the same months. The drain is drawn 21% narrower: the share of homes for sale that sell each month is 79% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.9 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 54 — so sales ran at 74% of it, and below it in 19 of the last 24 months.

Across Escambia County, builders pulled permits for 1,398 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 Escambia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,260 moved in. Among the ten receiving the most, 3,605 moved out.

Net across those counties: −345 households. Beside it, homes for sale in this ZIP: 99 in June 2026.

Most arrivals came from Santa Rosa, FL (1,530 households); most departures went to Santa Rosa, FL (1,723).

This ZIP sits in Escambia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,260 moved in. Among the ten receiving the most, 3,605 moved out.

Net across those counties: −345 households. Beside it, homes for sale in this ZIP: 158 in June 2026.

Most arrivals came from Santa Rosa, FL (1,530 households); most departures went to Santa Rosa, FL (1,723).