ZIP 32533 vs ZIP 32503

32533 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 5 of the 15 with a value.

4 school locations in 32533: 2 elementary, 1 middle, 1 high.

In alphabetical order: JIM ALLEN ELEMENTARY SCHOOL, KINGSFIELD ELEMENTARY SCHOOL, RANSOM MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32503 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 6 of the 15 with a value.

12 school locations in 32503: 5 elementary, 1 middle, 6 high.

In alphabetical order: A. K. SUTER ELEMENTARY SCHOOL, BROWN BARGE MIDDLE SCHOOL, CORDOVA PARK ELEMENTARY SCHOOL, COUNTY ADMINISTRATIVE ANNEX, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32533 was worth $123,429.

Values peaked at $329,888 in July 2024. The latest reading is −1.2% from that peak.

As of August 2026: $326,067, +0.8% over twelve months.

Start with the typical home: $326,067. Put 20% down and borrow $260,854 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,806 a month in principal and interest.

The median household here earns $85,459 a year, $7,122 a month. So the payment takes 25.4% 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 9.6% 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 $739.

In December 2020, with rates at 2.68%, it was $781.

By August 2026, at 6.67%, it was $1,678 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +164% 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 $243,600. So the real change is +34%, not +164%.

32533: +164% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32533 ran behind it by 81 points.

Owning the typical home costs about $2,132 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,900 a month.

Price divided by a year's rent: 14.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32503 was worth $100,220.

Values peaked at $300,821 in July 2024. The latest reading is −1.6% from that peak.

As of August 2026: $296,076, +2.2% over twelve months.

Start with the typical home: $296,076. Put 20% down and borrow $236,861 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,640 a month in principal and interest.

The median household here earns $67,654 a year, $5,638 a month. So the payment takes 29.1% 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 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 $600.

In December 2020, with rates at 2.68%, it was $724.

By August 2026, at 6.67%, it was $1,523 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +195% 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 $197,794. So the real change is +50%, not +195%.

32503: +195% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32503 ran behind it by 50 points.

Owning the typical home costs about $1,936 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,881 a month.

Price divided by a year's rent: 13.1. 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 89 a month (Redfin, 3-month rolling data through August 2026). That is 152% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 266. That is 110% of the 2015–2019 level for the same months.

Going out — closed sales: about 78 a month. That is 146% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.4 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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 78 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 54 — so sales ran at 144% of it, and below it in 0 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 97% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 196. That is 95% of the 2015–2019 level for the same months.

Going out — closed sales: about 37 a month. That is 78% of the 2015–2019 level for the same months. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.3 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 16 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 42 — so sales ran at 88% of it, and below it in 18 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: 266 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: 196 in June 2026.

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