ZIP 32565 vs ZIP 32570

32565 is one of 8 ZIP codes that lie mostly in Santa Rosa County, FL.

Shaded by typical home value, it ranks 5 of the 7 with a value.

3 school locations in 32565: 2 middle, 1 high.

In alphabetical order: CHUMUCKLA ELEMENTARY SCHOOL, JAY ELEMENTARY SCHOOL, JAY HIGH SCHOOL. Locations only — no ratings are shown here.

32570 is one of 8 ZIP codes that lie mostly in Santa Rosa County, FL.

Shaded by typical home value, it ranks 6 of the 7 with a value.

18 school locations in 32570: 4 elementary, 2 middle, 10 high, 2 other.

In alphabetical order: BERRYHILL ELEMENTARY SCHOOL, CENTRAL SCHOOL, ESE DEVELOPMENT CENTER, HIGH ROAD, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32565 was worth $85,383.

Values peaked at $280,937 in August 2026. The latest reading is the peak.

As of August 2026: $280,937, +6.0% over twelve months.

Start with the typical home: $280,937. Put 20% down and borrow $224,750 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,556 a month in principal and interest.

The median household here earns $76,838 a year, $6,403 a month. So the payment takes 24.3% 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 7.4% 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 $511.

In December 2020, with rates at 2.68%, it was $650.

By August 2026, at 6.67%, it was $1,445 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +229% 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 $168,512. So the real change is +67%, not +229%.

32565: +229% since January 2000.

Santa Rosa County: +207% since January 2000.

Florida: +245% since January 2000 — 32565 ran behind it by 16 points.

Owning the typical home costs about $1,837 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,032 a month.

Price divided by a year's rent: 22.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32570 was worth $92,197.

Values peaked at $279,668 in June 2024. The latest reading is −0.8% from that peak.

As of August 2026: $277,558, +2.2% over twelve months.

Start with the typical home: $277,558. Put 20% down and borrow $222,046 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,537 a month in principal and interest.

The median household here earns $73,615 a year, $6,135 a month. So the payment takes 25.1% 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 8.3% 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 $552.

In December 2020, with rates at 2.68%, it was $625.

By August 2026, at 6.67%, it was $1,428 — +128% since December 2020, while the home's value moved +44%.

Reported values rose +201% 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 $181,960. So the real change is +53%, not +201%.

32570: +201% since January 2000.

Santa Rosa County: +207% since January 2000.

Florida: +245% since January 2000 — 32570 ran behind it by 44 points.

Owning the typical home costs about $1,815 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,652 a month.

Price divided by a year's rent: 14.0. 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 10 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 32.

Going out — closed sales: about 8 a month.

The ladder: homes for sale ÷ monthly sales = 4.2 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 8 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 160% of it, and below it in 0 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 67 a month (Redfin, 3-month rolling data through August 2026). That is 127% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 187. That is 76% of the 2015–2019 level for the same months.

Going out — closed sales: about 47 a month. That is 86% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.95 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 20 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 47 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 49 — so sales ran at 96% of it, and below it in 14 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: 32 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: 187 in June 2026.

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