ZIP 32626 vs ZIP 34498

32626 is one of 9 ZIP codes that lie mostly in Levy County, FL.

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

4 school locations in 32626: 2 elementary, 1 middle, 1 high.

In alphabetical order: CHIEFLAND ELEMENTARY SCHOOL, CHIEFLAND MIDDLE HIGH SCHOOL, NATURE COAST MIDDLE SCHOOL, WHISPERING WINDS CHARTER SCHOOL. Locations only — no ratings are shown here.

34498 is one of 9 ZIP codes that lie mostly in Levy County, FL.

Shaded by typical home value, it ranks 5 of the 7 with a value.

1 school location in 34498: 1 middle.

In alphabetical order: YANKEETOWN SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32626 was worth $87,771.

Values peaked at $287,051 in July 2024. The latest reading is −2.3% from that peak.

As of August 2026: $280,495, −0.2% over twelve months.

Start with the typical home: $280,495. Put 20% down and borrow $224,396 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,554 a month in principal and interest.

The median household here earns $49,643 a year, $4,137 a month. So the payment takes 37.6% 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 11.8% 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 $526.

In December 2020, with rates at 2.68%, it was $617.

By August 2026, at 6.67%, it was $1,443 — +134% since December 2020, while the home's value moved +47%.

Reported values rose +220% 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 $173,225. So the real change is +62%, not +220%.

32626: +220% since January 2000.

Levy County: +244% since January 2000.

Florida: +245% since January 2000 — 32626 ran behind it by 25 points.

Owning the typical home costs about $1,834 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $828 a month.

Price divided by a year's rent: 28.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34498 was worth $87,103.

Values peaked at $308,342 in June 2024. The latest reading is −10.4% from that peak.

As of August 2026: $276,388, −5.6% over twelve months.

Start with the typical home: $276,388. Put 20% down and borrow $221,110 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,531 a month in principal and interest.

The median household here earns $56,875 a year, $4,740 a month. So the payment takes 32.3% 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 10.2% 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 $522.

In December 2020, with rates at 2.68%, it was $667.

By August 2026, at 6.67%, it was $1,422 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +217% 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 $171,907. So the real change is +61%, not +217%.

34498: +217% since January 2000.

Levy County: +244% since January 2000.

Florida: +245% since January 2000 — 34498 ran behind it by 28 points.

Owning the typical home costs about $1,807 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $977 a month.

Price divided by a year's rent: 23.6. 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 8 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 46.

Going out — closed sales: about 6 a month. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.1 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 6 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 120% of it, and below it in 13 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).

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 13 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: 46 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: 17 in June 2026.

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