Lotvox market story · compare
ZIP 32648 vs ZIP 32628
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Who's going to sell
Turnover Index not published for 32648 yet.
Where
32648 in Dixie County, FL
32648 is one of 5 ZIP codes that lie mostly in Dixie County, FL.
Shaded by typical home value, it ranks 3 of the 4 with a value.
- Value rank in county
- 3 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 32628 yet.
Where
32628 in Dixie County, FL
32628 is one of 5 ZIP codes that lie mostly in Dixie County, FL.
Shaded by typical home value, it ranks 4 of the 4 with a value.
- Value rank in county
- 4 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32628
8 school locations in 32628: 4 elementary, 1 middle, 3 high.
In alphabetical order: DIXIE COUNTY HIGH SCHOOL, DIXIE TEEN PARENT PRESCHOOL, DIXIE VIRTUAL FRANCHISE, DIXIE VIRTUAL INSTRUCTION PROGRAM, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 8
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 32648
In January 2000 the typical home in 32648 was worth $63,344.
Values peaked at $247,376 in August 2022. The latest reading is −12.0% from that peak.
As of August 2026: $217,812, −3.2% over twelve months.
- Typical home value
- $217,812
- 12-month change
- −3.2%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $217,812. Put 20% down and borrow $174,250 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,206 a month in principal and interest.
The median household here earns $33,292 a year, $2,774 a month. So the payment takes 43.5% 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 12.6% in 2000.
- Payment share of income
- 43.5%
- Monthly P&I
- $1,206
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $379.
In December 2020, with rates at 2.68%, it was $550.
By August 2026, at 6.67%, it was $1,121 — +104% since December 2020, while the home's value moved +28%.
- Payment change since 2020
- +104%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +244% 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 $125,016. So the real change is +74%, not +244%.
- Real change since 2000
- +74%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32648 against its neighbors
32648: +244% since January 2000.
Dixie County: +337% since January 2000.
Florida: +245% since January 2000 — 32648 ran behind it by 1 points.
- Change since 2000
- +244%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,424 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $695 a month.
Price divided by a year's rent: 26.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 26.1
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 32628
In January 2000 the typical home in 32628 was worth $42,785.
Values peaked at $171,744 in July 2022. The latest reading is −3.7% from that peak.
As of August 2026: $165,402, +2.9% over twelve months.
- Typical home value
- $165,402
- 12-month change
- +2.9%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $165,402. Put 20% down and borrow $132,322 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $916 a month in principal and interest.
The median household here earns $42,029 a year, $3,502 a month. So the payment takes 26.2% 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 6.8% in 2000.
- Payment share of income
- 26.2%
- Monthly P&I
- $916
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $256.
In December 2020, with rates at 2.68%, it was $383.
By August 2026, at 6.67%, it was $851 — +122% since December 2020, while the home's value moved +40%.
- Payment change since 2020
- +122%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +287% 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 $84,441. So the real change is +96%, not +287%.
- Real change since 2000
- +96%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32628 against its neighbors
32628: +287% since January 2000.
Dixie County: +337% since January 2000.
Florida: +245% since January 2000 — 32628 ran ahead of it by 42 points.
- Change since 2000
- +287%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,082 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $814 a month.
Price divided by a year's rent: 16.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 16.9
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 0 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 17 of the last 24 months.
- Sales vs 2015–19 level
- 0%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Dixie County, builders pulled permits for 126 new homes in 2025.
Of those, 52% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 126
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
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 0 of the last 24 months.
- Sales vs 2015–19 level
- 100%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Dixie County, builders pulled permits for 126 new homes in 2025.
Of those, 52% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 126
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Dixie County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 155 moved in. Among the ten receiving the most, 135 moved out.
Net across those counties: +20 households. Beside it, homes for sale in this ZIP: 10 in June 2026.
Most arrivals came from Levy, FL (50 households); most departures went to Levy, FL (54).
- Net households (top-10 flows)
- +20
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
This ZIP sits in Dixie County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 155 moved in. Among the ten receiving the most, 135 moved out.
Net across those counties: +20 households. Beside it, homes for sale in this ZIP: 10 in June 2026.
Most arrivals came from Levy, FL (50 households); most departures went to Levy, FL (54).
- Net households (top-10 flows)
- +20
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01