ZIP 32640 vs ZIP 32694

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.

32694 is one of 21 ZIP codes that lie mostly in Alachua County, FL.

Shaded by typical home value, it ranks 15 of the 17 with a value.

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.

In January 2000 the typical home in 32694 was worth $103,853.

Values peaked at $242,097 in March 2025. The latest reading is −5.1% from that peak.

As of August 2026: $229,643, +0.4% over twelve months.

Start with the typical home: $229,643. Put 20% down and borrow $183,714 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,272 a month in principal and interest.

The median household here earns $40,455 a year, $3,371 a month. So the payment takes 37.7% 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 17.1% 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 $622.

In December 2020, with rates at 2.68%, it was $557.

By August 2026, at 6.67%, it was $1,181 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +121% 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 $204,965. So the real change is +12%, not +121%.

32694: +121% since January 2000.

Alachua County: +179% since January 2000.

Florida: +245% since January 2000 — 32694 ran behind it by 124 points.

Owning the typical home costs about $1,502 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $672 a month.

Price divided by a year's rent: 28.5. 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 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).

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 4 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: 49 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: 7 in June 2026.

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