ZIP 32563 vs ZIP 32571

32563 is one of 8 ZIP codes that lie mostly in Santa Rosa County, FL.

Shaded by typical home value, it ranks 2 of the 7 with a value.

3 school locations in 32563: 1 elementary, 2 middle.

In alphabetical order: EAST BAY K-8 SCHOOL, ORIOLE BEACH ELEMENTARY SCHOOL, WOODLAWN BEACH MIDDLE SCHOOL. Locations only — no ratings are shown here.

32571 is one of 8 ZIP codes that lie mostly in Santa Rosa County, FL.

Shaded by typical home value, it ranks 3 of the 7 with a value.

5 school locations in 32571: 3 elementary, 1 middle, 1 high.

In alphabetical order: PACE HIGH SCHOOL, PEA RIDGE ELEMENTARY SCHOOL, S. S. DIXON INTERMEDIATE SCHOOL, S. S. DIXON PRIMARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32563 was worth $137,317.

Values peaked at $414,226 in June 2024. The latest reading is −2.6% from that peak.

As of August 2026: $403,261, +0.6% over twelve months.

Start with the typical home: $403,261. Put 20% down and borrow $322,609 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,234 a month in principal and interest.

The median household here earns $97,139 a year, $8,095 a month. So the payment takes 27.6% 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 9.4% 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 $822.

In December 2020, with rates at 2.68%, it was $976.

By August 2026, at 6.67%, it was $2,075 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +194% 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 $271,009. So the real change is +49%, not +194%.

32563: +194% since January 2000.

Santa Rosa County: +207% since January 2000.

Florida: +245% since January 2000 — 32563 ran behind it by 51 points.

Owning the typical home costs about $2,637 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,920 a month.

Price divided by a year's rent: 17.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32571 was worth $109,468.

Values peaked at $335,318 in May 2024. The latest reading is −2.2% from that peak.

As of August 2026: $328,032, +0.7% over twelve months.

Start with the typical home: $328,032. Put 20% down and borrow $262,426 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,817 a month in principal and interest.

The median household here earns $89,137 a year, $7,428 a month. So the payment takes 24.5% 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 8.2% 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 $655.

In December 2020, with rates at 2.68%, it was $778.

By August 2026, at 6.67%, it was $1,688 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +200% 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 $216,046. So the real change is +52%, not +200%.

32571: +200% since January 2000.

Santa Rosa County: +207% since January 2000.

Florida: +245% since January 2000 — 32571 ran behind it by 45 points.

Owning the typical home costs about $2,145 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,967 a month.

Price divided by a year's rent: 13.9. 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 87 a month (Redfin, 3-month rolling data through August 2026). That is 129% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 269. That is 109% of the 2015–2019 level for the same months.

Going out — closed sales: about 75 a month. That is 97% of the 2015–2019 level for the same months. The drain is drawn 11% narrower: the share of homes for sale that sell each month is 89% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.6 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 75 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 61 — so sales ran at 123% of it, and below it in 10 of the last 24 months.

Across Santa Rosa County, builders pulled permits for 1,929 new homes in 2025.

Of those, 100% 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 106 a month (Redfin, 3-month rolling data through August 2026). That is 140% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 320. That is 90% of the 2015–2019 level for the same months.

Going out — closed sales: about 93 a month. That is 97% 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 93 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 77 — so sales ran at 121% of it, and below it in 10 of the last 24 months.

Across Santa Rosa County, builders pulled permits for 1,929 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Santa Rosa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,060 moved in. Among the ten receiving the most, 2,745 moved out.

Net across those counties: +315 households. Beside it, homes for sale in this ZIP: 269 in June 2026.

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

This ZIP sits in Santa Rosa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,060 moved in. Among the ten receiving the most, 2,745 moved out.

Net across those counties: +315 households. Beside it, homes for sale in this ZIP: 320 in June 2026.

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