Lotvox market story · compare
ZIP 32535 vs ZIP 32505
1 of 4
Who's going to sell
Turnover Index not published for 32535 yet.
Where
32535 in Escambia County, FL
32535 is one of 19 ZIP codes that lie mostly in Escambia County, FL.
Shaded by typical home value, it ranks 14 of the 15 with a value.
- Value rank in county
- 14 of 15
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32535
3 school locations in 32535: 2 elementary, 1 high.
In alphabetical order: BRATT ELEMENTARY SCHOOL, BYRNEVILLE ELEMENTARY SCHOOL INC., NORTHVIEW HIGH 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 32505 yet.
Where
32505 in Escambia County, FL
32505 is one of 19 ZIP codes that lie mostly in Escambia County, FL.
Shaded by typical home value, it ranks 15 of the 15 with a value.
- Value rank in county
- 15 of 15
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32505
5 school locations in 32505: 5 elementary.
In alphabetical order: BRENTWOOD ELEMENTARY SCHOOL, C. A. WEIS ELEMENTARY SCHOOL, GLOBAL LEARNING ACADEMY, MONTCLAIR ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 5
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
2 of 4
What it costs
Home values
What homes are worth in 32535
In January 2000 the typical home in 32535 was worth $56,374.
Values peaked at $203,738 in August 2026. The latest reading is the peak.
As of August 2026: $203,738, +8.5% over twelve months.
- Typical home value
- $203,738
- 12-month change
- +8.5%
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: $203,738. Put 20% down and borrow $162,990 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,129 a month in principal and interest.
The median household here earns $40,318 a year, $3,360 a month. So the payment takes 33.6% 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 9.3% in 2000.
- Payment share of income
- 33.6%
- Monthly P&I
- $1,129
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 January 2000 (8.21%) the payment was $338.
In December 2020, with rates at 2.68%, it was $496.
By August 2026, at 6.67%, it was $1,048 — +111% since December 2020, while the home's value moved +33%.
- Payment change since 2020
- +111%
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 +261% 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 $111,260. So the real change is +83%, not +261%.
- Real change since 2000
- +83%
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
32535 against its neighbors
32535: +261% since January 2000.
Escambia County: +159% since January 2000.
Florida: +245% since January 2000 — 32535 ran ahead of it by 16 points.
- Change since 2000
- +261%
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 $1,332 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $814 a month.
Price divided by a year's rent: 20.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 20.9
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 32505
In January 2000 the typical home in 32505 was worth $74,255.
Values peaked at $166,636 in September 2024. The latest reading is −12.5% from that peak.
As of August 2026: $145,730, −0.2% over twelve months.
- Typical home value
- $145,730
- 12-month change
- −0.2%
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: $145,730. Put 20% down and borrow $116,584 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $807 a month in principal and interest.
The median household here earns $41,039 a year, $3,420 a month. So the payment takes 23.6% 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 12.0% in 2000.
- Payment share of income
- 23.6%
- Monthly P&I
- $807
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 January 2000 (8.21%) the payment was $445.
In December 2020, with rates at 2.68%, it was $383.
By August 2026, at 6.67%, it was $750 — +96% since December 2020, while the home's value moved +23%.
- Payment change since 2020
- +96%
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 +96% 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 $146,550. So the real change is −1%, not +96%.
- Real change since 2000
- −1%
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
32505 against its neighbors
32505: +96% since January 2000.
Escambia County: +159% since January 2000.
Florida: +245% since January 2000 — 32505 ran behind it by 149 points.
- Change since 2000
- +96%
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 $953 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,460 a month.
Price divided by a year's rent: 8.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 8.3
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)
3 of 4
What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 100% of it, and below it in 7 of the last 24 months.
- Sales vs 2015–19 level
- 100%
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 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).
- Units permitted 2025
- 1,398
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Listings Flow Ladder
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 35 a month (Redfin, 3-month rolling data through August 2026). That is 126% of the 2015–2019 level for the same months.
On the shelf — homes for sale at the end of the period: 102.
Going out — closed sales: about 24 a month. That is 90% of the 2015–2019 level for the same months. The drain is drawn 7% narrower: the share of homes for sale that sell each month is 93% of its 2015–2019 level.
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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 4.3
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 24 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 25 — so sales ran at 96% of it, and below it in 13 of the last 24 months.
- Sales vs 2015–19 level
- 96%
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 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).
- Units permitted 2025
- 1,398
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
4 of 4
Who's holding, who's leaving
Housing pulse
Migration and inventory
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: 9 in June 2026.
Most arrivals came from Santa Rosa, FL (1,530 households); most departures went to Santa Rosa, FL (1,723).
- Net households (top-10 flows)
- −345
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 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: 102 in June 2026.
Most arrivals came from Santa Rosa, FL (1,530 households); most departures went to Santa Rosa, FL (1,723).
- Net households (top-10 flows)
- −345
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01