ZIP 32609 vs ZIP 32641

32609 is one of 21 ZIP codes that lie mostly in Alachua County, FL.

Shaded by typical home value, it ranks 16 of the 17 with a value.

13 school locations in 32609: 5 elementary, 2 middle, 4 high, 2 other.

In alphabetical order: ALACHUA ACADEMY, ALACHUA COUNTY JAIL, ALACHUA REGIONAL JUEVNILE DETENTION CENTER, ALACHUA REGIONAL JUVENILE DETENTION CENTER, and more on the ZIP page. Locations only — no ratings are shown here.

32641 is one of 21 ZIP codes that lie mostly in Alachua County, FL.

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

12 school locations in 32641: 5 elementary, 2 middle, 5 high.

In alphabetical order: ABRAHAM LINCOLN MIDDLE SCHOOL, ALACHUA ESCHOOL (VIRTUAL FRANCHISE), ALACHUA VIRTUAL INSTRUCTION PROGRAM, ALACHUA VIRTUAL INSTRUCTION PROGRAM (DISTRICT PROVIDED), and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32609 was worth $70,644.

Values peaked at $235,069 in June 2024. The latest reading is −6.2% from that peak.

As of August 2026: $220,470, −2.8% over twelve months.

Start with the typical home: $220,470. Put 20% down and borrow $176,376 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,221 a month in principal and interest.

The median household here earns $48,121 a year, $4,010 a month. So the payment takes 30.5% of income — rated “stretched” (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 $423.

In December 2020, with rates at 2.68%, it was $550.

By August 2026, at 6.67%, it was $1,134 — +106% since December 2020, while the home's value moved +30%.

Reported values rose +212% 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 $139,423. So the real change is +58%, not +212%.

32609: +212% since January 2000.

Alachua County: +179% since January 2000.

Florida: +245% since January 2000 — 32609 ran behind it by 33 points.

Owning the typical home costs about $1,442 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,490 a month.

Price divided by a year's rent: 12.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32641 was worth $66,228.

Values peaked at $192,998 in May 2024. The latest reading is −6.7% from that peak.

As of August 2026: $180,141, −0.4% over twelve months.

Start with the typical home: $180,141. Put 20% down and borrow $144,113 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $998 a month in principal and interest.

The median household here earns $36,814 a year, $3,068 a month. So the payment takes 32.5% of income — rated “stretched” (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 12.0% 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 $397.

In December 2020, with rates at 2.68%, it was $449.

By August 2026, at 6.67%, it was $927 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +172% 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 $130,708. So the real change is +38%, not +172%.

32641: +172% since January 2000.

Alachua County: +179% since January 2000.

Florida: +245% since January 2000 — 32641 ran behind it by 73 points.

Owning the typical home costs about $1,178 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,481 a month.

Price divided by a year's rent: 10.1. 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 38.

Going out — closed sales: about 12 a month. The drain is drawn 2% narrower: the share of homes for sale that sell each month is 98% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.3 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 came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 100% of it, and below it in 20 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 12 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 48.

Going out — closed sales: about 7 a month. The drain is drawn 52% narrower: the share of homes for sale that sell each month is 48% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.9 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 78% of it, and below it in 11 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: 38 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: 48 in June 2026.

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