ZIP 32617 vs ZIP 34471

32617 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 3 of the 24 with a value.

2 school locations in 32617: 2 elementary.

In alphabetical order: ANTHONY ELEMENTARY SCHOOL, SPARR ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34471 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 4 of the 24 with a value.

17 school locations in 34471: 8 elementary, 2 middle, 5 high, 2 other.

In alphabetical order: DR N H JONES ELEMENTARY SCHOOL, EIGHTH STREET ELEMENTARY SCHOOL, ELC PK ESE SERVICES, HILLCREST, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2004 the typical home in 32617 was worth $122,456.

Values peaked at $364,191 in March 2025. The latest reading is −1.2% from that peak.

As of August 2026: $359,788, −0.1% over twelve months.

Start with the typical home: $359,788. Put 20% down and borrow $287,830 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,993 a month in principal and interest.

The median household here earns $57,297 a year, $4,775 a month. So the payment takes 41.7% 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 14.2% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $569.

In December 2020, with rates at 2.68%, it was $726.

By August 2026, at 6.67%, it was $1,851 — +155% since December 2020, while the home's value moved +61%.

Reported values rose +194% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $219,626. So the real change is +64%, not +194%.

32617: +194% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 32617 ran ahead of it by 57 points.

Owning the typical home costs about $2,353 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $818 a month.

Price divided by a year's rent: 36.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 34471 was worth $130,842.

Values peaked at $326,819 in February 2025. The latest reading is −2.3% from that peak.

As of August 2026: $319,167, −0.6% over twelve months.

Start with the typical home: $319,167. Put 20% down and borrow $255,334 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,768 a month in principal and interest.

The median household here earns $60,283 a year, $5,024 a month. So the payment takes 35.2% 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 14.4% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $608.

In December 2020, with rates at 2.68%, it was $700.

By August 2026, at 6.67%, it was $1,642 — +134% since December 2020, while the home's value moved +48%.

Reported values rose +144% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $234,666. So the real change is +36%, not +144%.

34471: +144% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34471 ran ahead of it by 7 points.

Owning the typical home costs about $2,087 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,528 a month.

Price divided by a year's rent: 17.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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

The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 13 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% 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 43 a month (Redfin, 3-month rolling data through August 2026). That is 92% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 167. That is 75% of the 2015–2019 level for the same months.

Going out — closed sales: about 30 a month. That is 73% of the 2015–2019 level for the same months. The drain is drawn 4% narrower: the share of homes for sale that sell each month is 96% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.6 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 30 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 38 — so sales ran at 79% of it, and below it in 20 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 14 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 167 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).