ZIP 32566 vs ZIP 32563

32566 is one of 8 ZIP codes that lie mostly in Santa Rosa County, FL.

Shaded by typical home value, it ranks 1 of the 7 with a value.

6 school locations in 32566: 4 elementary, 1 middle, 1 high.

In alphabetical order: HOLLEY-NAVARRE INTERMEDIATE, HOLLEY-NAVARRE MIDDLE SCHOOL, HOLLEY-NAVARRE PRIMARY, NAVARRE HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 32566 was worth $133,984.

Values peaked at $418,987 in June 2024. The latest reading is −0.5% from that peak.

As of August 2026: $416,780, +1.5% over twelve months.

Start with the typical home: $416,780. Put 20% down and borrow $333,424 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,309 a month in principal and interest.

The median household here earns $99,501 a year, $8,292 a month. So the payment takes 27.8% 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 9.0% 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 $802.

In December 2020, with rates at 2.68%, it was $979.

By August 2026, at 6.67%, it was $2,144 — +119% since December 2020, while the home's value moved +38%.

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 $264,431. So the real change is +58%, not +211%.

32566: +211% since January 2000.

Santa Rosa County: +207% since January 2000.

Florida: +245% since January 2000 — 32566 ran behind it by 34 points.

Owning the typical home costs about $2,725 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,085 a month.

Price divided by a year's rent: 16.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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 100 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 370. That is 83% of the 2015–2019 level for the same months.

Going out — closed sales: about 101 a month. That is 69% 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 = 3.7 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 0 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 101 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 117 — so sales ran at 86% of it, and below it in 24 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 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).

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: 370 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: 269 in June 2026.

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