ZIP 32601 vs ZIP 32640

32601 is one of 21 ZIP codes that lie mostly in Alachua County, FL.

Shaded by typical home value, it ranks 13 of the 17 with a value.

6 school locations in 32601: 6 high.

In alphabetical order: A.QUINN JONES CENTER, NORTH CENTRAL FLORIDA PUBLIC CHARTER SCHOOL, PACE, P.K. YONGE DEVELOPMENTAL RESEARCH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32640 is one of 21 ZIP codes that lie mostly in Alachua County, FL — 57% of its own area is in the county.

Shaded by typical home value, it ranks 14 of the 17 with a value.

3 school locations in 32640: 1 elementary, 1 middle, 1 high.

In alphabetical order: CHESTER SHELL ELEMENTARY SCHOOL, HAWTHORNE MIDDLE/HIGH SCHOOL, OCHWILLA ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32601 was worth $77,496.

Values peaked at $271,552 in June 2024. The latest reading is −3.6% from that peak.

As of August 2026: $261,658, +0.4% over twelve months.

Start with the typical home: $261,658. Put 20% down and borrow $209,326 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,449 a month in principal and interest.

The median household here earns $30,878 a year, $2,573 a month. So the payment takes 56.3% of income — rated “severe” (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 16.7% 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 $464.

In December 2020, with rates at 2.68%, it was $641.

By August 2026, at 6.67%, it was $1,346 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +238% 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 $152,946. So the real change is +71%, not +238%.

32601: +238% since January 2000.

Alachua County: +179% since January 2000.

Florida: +245% since January 2000 — 32601 ran behind it by 7 points.

Owning the typical home costs about $1,711 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,437 a month.

Price divided by a year's rent: 15.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2000 the typical home in 32640 was worth $79,552.

Values peaked at $242,913 in June 2024. The latest reading is −3.1% from that peak.

As of August 2026: $235,357, +1.1% over twelve months.

Start with the typical home: $235,357. Put 20% down and borrow $188,286 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,304 a month in principal and interest.

The median household here earns $58,727 a year, $4,894 a month. So the payment takes 26.6% 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 9.0% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2000 (8.33%) the payment was $481.

In December 2020, with rates at 2.68%, it was $571.

By August 2026, at 6.67%, it was $1,211 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +196% since February 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 $156,358. So the real change is +51%, not +196%.

32640: +196% since February 2000.

Alachua County: +178% since February 2000.

Florida: +244% since February 2000 — 32640 ran behind it by 48 points.

Owning the typical home costs about $1,539 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,012 a month.

Price divided by a year's rent: 19.4. 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 18 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 81.

Going out — closed sales: about 13 a month. The drain is drawn 47% narrower: the share of homes for sale that sell each month is 53% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.1 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 130% of it, and below it in 15 of the last 24 months.

Across Alachua County, builders pulled permits for 3,336 new homes in 2025.

Of those, 21% 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 49.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 4.6 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 138% of it, and below it in 13 of the last 24 months.

Across Alachua County, builders pulled permits for 3,336 new homes in 2025.

Of those, 21% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Alachua County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,142 moved in. Among the ten receiving the most, 2,941 moved out.

Net across those counties: +201 households. Beside it, homes for sale in this ZIP: 81 in June 2026.

Most arrivals came from Marion, FL (526 households); most departures went to Marion, FL (499).

This ZIP sits in Alachua County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,142 moved in. Among the ten receiving the most, 2,941 moved out.

Net across those counties: +201 households. Beside it, homes for sale in this ZIP: 49 in June 2026.

Most arrivals came from Marion, FL (526 households); most departures went to Marion, FL (499).