Lotvox market story · compare

ZIP 32568 vs ZIP 32526

ZIP 32568

Escambia County, FL

ZIP 32526

Escambia County, FL

1 of 4

Who's going to sell

Turnover Index not published for 32568 yet.

Where

32568 in Escambia County, FL

32501 · $265,23232502 · $336,65332503 · $296,07632504 · $271,12932505 · $145,73032506 · $245,73332507 · $378,84432508 · no value published32509 · no value published32511 · no value published32512 · no value published32514 · $261,32932526 · $280,86632533 · $326,06732534 · $237,80032535 · $203,73832561 · $684,14632568 · $292,57432577 · $375,108 32568
$146K$684K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

32568 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 7 of the 15 with a value.

Value rank in county
7 of 15

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 32568

1 school location in 32568: 1 middle.

In alphabetical order: ERNEST WARD MIDDLE SCHOOL. Locations only — no ratings are shown here.

School locations
1

Source: U.S. Department of Education, National Center for Education Statistics (school locations)

Turnover Index not published for 32526 yet.

Where

32526 in Escambia County, FL

32501 · $265,23232502 · $336,65332503 · $296,07632504 · $271,12932505 · $145,73032506 · $245,73332507 · $378,84432508 · no value published32509 · no value published32511 · no value published32512 · no value published32514 · $261,32932526 · $280,86632533 · $326,06732534 · $237,80032535 · $203,73832561 · $684,14632568 · $292,57432577 · $375,108 32526
$146K$684K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

32526 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 8 of the 15 with a value.

Value rank in county
8 of 15

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 32526

9 school locations in 32526: 3 elementary, 3 middle, 3 high.

In alphabetical order: BELLVIEW ELEMENTARY SCHOOL, BELLVIEW MIDDLE SCHOOL, BEULAH ACADEMY OF SCIENCE, BEULAH ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

School locations
9

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 32568

$0$100K$200K$300K$400K20022007201220172022Peak August 2026 · $292,574Latest · $292,574
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In August 2001 the typical home in 32568 was worth $99,936.

Values peaked at $292,574 in August 2026. The latest reading is the peak.

As of August 2026: $292,574, +5.9% over twelve months.

Typical home value
$292,574
12-month change
+5.9%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$292,574
Loan at 20% down
$234,059
30-year fixed rate
7.40%
Monthly principal + interest
$1,621
Median household income, per month
$6,351
Share of income
25.5%
0%30%60%
At today's rate, by home value, 2001–2026: 8.7% → 25.5%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: 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

Start with the typical home: $292,574. Put 20% down and borrow $234,059 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,621 a month in principal and interest.

The median household here earns $76,208 a year, $6,351 a month. So the payment takes 25.5% 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 8.7% in 2001.

Payment share of income
25.5%
Monthly P&I
$1,621

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

$0$500$1K$2K$2K200220072012201720222.68% rate · $6536.67% rate · $1,505
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: 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

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in August 2001 (6.95%) the payment was $529.

In December 2020, with rates at 2.68%, it was $653.

By August 2026, at 6.67%, it was $1,505 — +130% since December 2020, while the home's value moved +45%.

Payment change since 2020
+130%

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

$0$100K$200K$300K$400K20022007201220172022
Home value (as reported)Prices in general (CPI-U), scaled to August 2001Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: 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.

Reported values rose +193% since August 2001.

General prices (CPI-U) rose +88% over the same span.

Divide one by the other: in August 2026 dollars, the 2001 home was worth $188,228. So the real change is +55%, not +193%.

Real change since 2001
+55%

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

32568 against its neighbors

010020030040020022007201220172022
32568 (2001 = 100)Escambia County (2001 = 100)Florida (2001 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

32568: +193% since August 2001.

Escambia County: +156% since August 2001.

Florida: +207% since August 2001 — 32568 ran behind it by 15 points.

Change since 2001
+193%

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

Own: payment + 1.2%/yr taxes & insurance
$1,913
principal + interest $1,621 · taxes & insurance est. $292
Rent: typical rent (ZORI)
$1,041
Price-to-rent ratio
23.4
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: 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)

Owning the typical home costs about $1,913 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,041 a month.

Price divided by a year's rent: 23.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
23.4

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 32526

$0$100K$200K$300K200020052010201520202025Peak May 2024 · $283,485Latest · $280,866
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In January 2000 the typical home in 32526 was worth $111,338.

Values peaked at $283,485 in May 2024. The latest reading is −0.9% from that peak.

As of August 2026: $280,866, +1.7% over twelve months.

Typical home value
$280,866
12-month change
+1.7%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$280,866
Loan at 20% down
$224,693
30-year fixed rate
7.40%
Monthly principal + interest
$1,556
Median household income, per month
$5,971
Share of income
26.1%
0%30%60%
At today's rate, by home value, 2000–2026: 10.3% → 26.1%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: 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

Start with the typical home: $280,866. Put 20% down and borrow $224,693 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 $71,651 a year, $5,971 a month. So the payment takes 26.1% 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 10.3% in 2000.

Payment share of income
26.1%
Monthly P&I
$1,556

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

$0$500$1K$2K$2K2000200520102015202020252.68% rate · $6736.67% rate · $1,445
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: 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

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 $667.

In December 2020, with rates at 2.68%, it was $673.

By August 2026, at 6.67%, it was $1,445 — +115% since December 2020, while the home's value moved +35%.

Payment change since 2020
+115%

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

$0$100K$200K$300K$400K200020052010201520202025
Home value (as reported)Prices in general (CPI-U), scaled to January 2000Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: 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.

Reported values rose +152% 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 $219,737. So the real change is +28%, not +152%.

Real change since 2000
+28%

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

32526 against its neighbors

0100200300400200020052010201520202025
32526 (2000 = 100)Escambia County (2000 = 100)Florida (2000 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

32526: +152% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32526 ran behind it by 93 points.

Change since 2000
+152%

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

Own: payment + 1.2%/yr taxes & insurance
$1,837
principal + interest $1,556 · taxes & insurance est. $281
Rent: typical rent (ZORI)
$1,796
Price-to-rent ratio
13.0
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: 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)

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 $1,796 a month.

Price divided by a year's rent: 13.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
13.0

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

024620252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 200% of it, and below it in 5 of the last 24 months.

Sales vs 2015–19 level
200%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

01,0002,0003,00020221,98920231,04920241,46220251,398
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

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

per month / homes for sale2024-092026-08balanced 4–6 mo3.7 mo3.7 months of supplyNet +15 / month · inventory growing
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

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 88 a month (Redfin, 3-month rolling data through August 2026). That is 120% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 270. That is 85% of the 2015–2019 level for the same months.

Going out — closed sales: about 73 a month. That is 102% of the 2015–2019 level for the same months.

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 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Months of supply
3.7

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

025507510020252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 73 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 67 — so sales ran at 109% of it, and below it in 7 of the last 24 months.

Sales vs 2015–19 level
109%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

01,0002,0003,00020221,98920231,04920241,46220251,398
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

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

Moved in (top-10 origin counties)
3,260
Moved out (top-10 destination counties)
3,605
Net households
−345
Top origins
Santa Rosa, FL1,530
Okaloosa, FL390
Baldwin, AL370
Top destinations
Santa Rosa, FL1,723
Baldwin, AL438
Okaloosa, FL278
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

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: 7 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

Moved in (top-10 origin counties)
3,260
Moved out (top-10 destination counties)
3,605
Net households
−345
Top origins
Santa Rosa, FL1,530
Okaloosa, FL390
Baldwin, AL370
Top destinations
Santa Rosa, FL1,723
Baldwin, AL438
Okaloosa, FL278
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

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: 270 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

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