ZIP 32561 vs ZIP 32507

32561 is one of 19 ZIP codes that lie mostly in Escambia County, FL — 61% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 15 with a value.

4 school locations in 32561: 2 elementary, 1 middle, 1 high.

In alphabetical order: GULF BREEZE ELEMENTARY SCHOOL, GULF BREEZE HIGH SCHOOL, GULF BREEZE MIDDLE SCHOOL, PENSACOLA BEACH ELEMENTARY SCHOOL INC. Locations only — no ratings are shown here.

32507 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 2 of the 15 with a value.

5 school locations in 32507: 3 elementary, 1 middle, 1 high.

In alphabetical order: NAVY POINT ELEMENTARY SCHOOL, PENSACOLA STATE CHARTER ACADEMY, PLEASANT GROVE ELEMENTARY SCHOOL, WARRINGTON ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32561 was worth $220,135.

Values peaked at $695,929 in June 2024. The latest reading is −1.7% from that peak.

As of August 2026: $684,146, +0.4% over twelve months.

Start with the typical home: $684,146. Put 20% down and borrow $547,317 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,790 a month in principal and interest.

The median household here earns $119,042 a year, $9,920 a month. So the payment takes 38.2% 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 12.3% 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 $1,318.

In December 2020, with rates at 2.68%, it was $1,565.

By August 2026, at 6.67%, it was $3,520 — +125% since December 2020, while the home's value moved +42%.

Reported values rose +211% 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 $434,459. So the real change is +57%, not +211%.

32561: +211% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32561 ran behind it by 34 points.

Owning the typical home costs about $4,474 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,604 a month.

Price divided by a year's rent: 21.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32507 was worth $127,837.

Values peaked at $393,439 in May 2024. The latest reading is −3.7% from that peak.

As of August 2026: $378,844, +0.9% over twelve months.

Start with the typical home: $378,844. Put 20% down and borrow $303,075 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,098 a month in principal and interest.

The median household here earns $69,802 a year, $5,817 a month. So the payment takes 36.1% 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 12.2% 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 $765.

In December 2020, with rates at 2.68%, it was $893.

By August 2026, at 6.67%, it was $1,949 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +196% 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 $252,299. So the real change is +50%, not +196%.

32507: +196% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32507 ran behind it by 49 points.

Owning the typical home costs about $2,477 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,846 a month.

Price divided by a year's rent: 17.1. 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 32 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 139. That is 76% of the 2015–2019 level for the same months.

Going out — closed sales: about 26 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 16% narrower: the share of homes for sale that sell each month is 84% 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 34 — so sales ran at 76% of it, and below it in 24 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 95 a month (Redfin, 3-month rolling data through August 2026). That is 106% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 427. That is 105% of the 2015–2019 level for the same months.

Going out — closed sales: about 74 a month. That is 83% of the 2015–2019 level for the same months. The drain is drawn 23% narrower: the share of homes for sale that sell each month is 77% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.8 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 21 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 74 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 72 — so sales ran at 103% of it, and below it in 13 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: 139 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: 427 in June 2026.

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