ZIP 32583 vs ZIP 32565

32583 is one of 8 ZIP codes that lie mostly in Santa Rosa County, FL.

Shaded by typical home value, it ranks 4 of the 7 with a value.

4 school locations in 32583: 3 elementary, 1 middle.

In alphabetical order: AVALON MIDDLE SCHOOL, BAGDAD ELEMENTARY SCHOOL, BENNETT C RUSSELL ELEMENTARY SCHOOL, EAST MILTON ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 32583 was worth $92,276.

Values peaked at $297,973 in May 2024. The latest reading is −2.4% from that peak.

As of August 2026: $290,868, +1.0% over twelve months.

Start with the typical home: $290,868. Put 20% down and borrow $232,694 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,611 a month in principal and interest.

The median household here earns $84,957 a year, $7,080 a month. So the payment takes 22.8% 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 7.2% 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 $553.

In December 2020, with rates at 2.68%, it was $689.

By August 2026, at 6.67%, it was $1,496 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +215% 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 $182,116. So the real change is +60%, not +215%.

32583: +215% since January 2000.

Santa Rosa County: +207% since January 2000.

Florida: +245% since January 2000 — 32583 ran behind it by 30 points.

Owning the typical home costs about $1,902 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,941 a month.

Price divided by a year's rent: 12.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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 235% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 308. That is 140% of the 2015–2019 level for the same months.

Going out — closed sales: about 95 a month. That is 242% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.2 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 95 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 40 — so sales ran at 238% 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 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).

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: 308 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: 32 in June 2026.

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