ZIP 32578 vs ZIP 32579

32578 is one of 13 ZIP codes that lie mostly in Okaloosa County, FL — 97% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 11 with a value.

6 school locations in 32578: 3 elementary, 1 middle, 2 high.

In alphabetical order: BLUEWATER ELEMENTARY SCHOOL, COLLEGIATE HIGH SCHOOL AT NORTHWEST FLORIDA STATE COLLEGE, C. W. RUCKEL MIDDLE SCHOOL, JAMES E PLEW ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32579 is one of 13 ZIP codes that lie mostly in Okaloosa County, FL.

Shaded by typical home value, it ranks 3 of the 11 with a value.

3 school locations in 32579: 2 elementary, 1 middle.

In alphabetical order: CLIFFORD MEIGS MIDDLE SCHOOL, LONGWOOD ELEMENTARY SCHOOL, SHALIMAR ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32578 was worth $155,585.

Values peaked at $445,355 in May 2024. The latest reading is −2.3% from that peak.

As of August 2026: $435,078, +0.7% over twelve months.

Start with the typical home: $435,078. Put 20% down and borrow $348,062 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,410 a month in principal and interest.

The median household here earns $105,858 a year, $8,822 a month. So the payment takes 27.3% 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 9.8% 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 $932.

In December 2020, with rates at 2.68%, it was $1,115.

By August 2026, at 6.67%, it was $2,238 — +101% since December 2020, while the home's value moved +26%.

Reported values rose +180% 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 $307,063. So the real change is +42%, not +180%.

32578: +163% since May 2002.

Okaloosa County: +168% since May 2002.

Florida: +186% since May 2002 — 32578 ran behind it by 23 points.

Owning the typical home costs about $2,845 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,220 a month.

Price divided by a year's rent: 16.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In May 2002 the typical home in 32579 was worth $134,129.

Values peaked at $391,382 in April 2024. The latest reading is −1.5% from that peak.

As of August 2026: $385,572, +1.6% over twelve months.

Start with the typical home: $385,572. Put 20% down and borrow $308,458 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,136 a month in principal and interest.

The median household here earns $98,014 a year, $8,168 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 9.1% in 2002.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in May 2002 (6.81%) the payment was $700.

In December 2020, with rates at 2.68%, it was $984.

By August 2026, at 6.67%, it was $1,984 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +187% since May 2002.

General prices (CPI-U) rose +86% over the same span.

Divide one by the other: in August 2026 dollars, the 2002 home was worth $249,675. So the real change is +54%, not +187%.

32579: +188% since May 2002.

Okaloosa County: +168% since May 2002.

Florida: +186% since May 2002 — 32579 ran ahead of it by 2 points.

Owning the typical home costs about $2,521 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,944 a month.

Price divided by a year's rent: 16.5. 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 65 a month (Redfin, 3-month rolling data through August 2026). That is 98% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 186. That is 87% of the 2015–2019 level for the same months.

Going out — closed sales: about 68 a month. That is 72% of the 2015–2019 level for the same months. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.7 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 68 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 68 — so sales ran at 100% of it, and below it in 19 of the last 24 months.

Across Okaloosa County, builders pulled permits for 1,057 new homes in 2025.

Of those, 93% 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 22 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 62.

Going out — closed sales: about 23 a month.

The ladder: homes for sale ÷ monthly sales = 2.7 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 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 18 — so sales ran at 128% of it, and below it in 16 of the last 24 months.

Across Okaloosa County, builders pulled permits for 1,057 new homes in 2025.

Of those, 93% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Okaloosa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,185 moved in. Among the ten receiving the most, 2,928 moved out.

Net across those counties: −743 households. Beside it, homes for sale in this ZIP: 186 in June 2026.

Most arrivals came from Santa Rosa, FL (584 households); most departures went to Walton, FL (860).

This ZIP sits in Okaloosa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,185 moved in. Among the ten receiving the most, 2,928 moved out.

Net across those counties: −743 households. Beside it, homes for sale in this ZIP: 62 in June 2026.

Most arrivals came from Santa Rosa, FL (584 households); most departures went to Walton, FL (860).