ZIP 32625 vs ZIP 32696

32625 is one of 9 ZIP codes that lie mostly in Levy County, FL.

Shaded by typical home value, it ranks 2 of the 7 with a value.

1 school location in 32625: 1 high.

In alphabetical order: CEDAR KEY HIGH SCHOOL. Locations only — no ratings are shown here.

32696 is one of 9 ZIP codes that lie mostly in Levy County, FL — 80% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 7 with a value.

3 school locations in 32696: 2 elementary, 1 high.

In alphabetical order: JOYCE M. BULLOCK ELEMENTARY SCHOOL, WILLISTON ELEMENTARY SCHOOL, WILLISTON MIDDLE HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32625 was worth $135,067.

Values peaked at $361,351 in May 2024. The latest reading is −12.0% from that peak.

As of August 2026: $318,026, −3.9% over twelve months.

Start with the typical home: $318,026. Put 20% down and borrow $254,421 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,762 a month in principal and interest.

The median household here earns $59,036 a year, $4,920 a month. So the payment takes 35.8% 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 15.2% 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 $809.

In December 2020, with rates at 2.68%, it was $776.

By August 2026, at 6.67%, it was $1,636 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +135% 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 $266,569. So the real change is +19%, not +135%.

32625: +136% since January 2000.

Levy County: +244% since January 2000.

Florida: +245% since January 2000 — 32625 ran behind it by 110 points.

Owning the typical home costs about $2,080 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $872 a month.

Price divided by a year's rent: 30.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32696 was worth $82,111.

Values peaked at $298,552 in July 2024. The latest reading is −2.4% from that peak.

As of August 2026: $291,330, −0.6% over twelve months.

Start with the typical home: $291,330. Put 20% down and borrow $233,064 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,614 a month in principal and interest.

The median household here earns $56,944 a year, $4,745 a month. So the payment takes 34.0% 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 9.6% 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 $492.

In December 2020, with rates at 2.68%, it was $639.

By August 2026, at 6.67%, it was $1,499 — +135% since December 2020, while the home's value moved +48%.

Reported values rose +255% 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 $162,055. So the real change is +80%, not +255%.

32696: +255% since January 2000.

Levy County: +244% since January 2000.

Florida: +245% since January 2000 — 32696 ran ahead of it by 10 points.

Owning the typical home costs about $1,905 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $792 a month.

Price divided by a year's rent: 30.7. 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 5 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 44.

Going out — closed sales: about 5 a month. The drain is drawn 34% narrower: the share of homes for sale that sell each month is 66% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.4 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 125% of it, and below it in 12 of the last 24 months.

Across Levy County, builders pulled permits for 244 new homes in 2025.

Of those, 98% 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 70.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 6.4 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 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 92% of it, and below it in 9 of the last 24 months.

Across Levy County, builders pulled permits for 244 new homes in 2025.

Of those, 98% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Levy County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 952 moved in. Among the ten receiving the most, 732 moved out.

Net across those counties: +220 households. Beside it, homes for sale in this ZIP: 44 in June 2026.

Most arrivals came from Alachua, FL (308 households); most departures went to Alachua, FL (263).

This ZIP sits in Levy County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 952 moved in. Among the ten receiving the most, 732 moved out.

Net across those counties: +220 households. Beside it, homes for sale in this ZIP: 70 in June 2026.

Most arrivals came from Alachua, FL (308 households); most departures went to Alachua, FL (263).