ZIP 32666 vs ZIP 32131

32666 is one of 13 ZIP codes that lie mostly in Putnam County, FL — 65% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 11 with a value.

1 school location in 32666: 1 middle.

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

32131 is one of 13 ZIP codes that lie mostly in Putnam County, FL — 92% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 11 with a value.

In January 2000 the typical home in 32666 was worth $102,276.

Values peaked at $315,654 in May 2026. The latest reading is −0.7% from that peak.

As of August 2026: $313,499, +2.6% over twelve months.

Start with the typical home: $313,499. Put 20% down and borrow $250,799 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,736 a month in principal and interest.

The median household here earns $66,540 a year, $5,545 a month. So the payment takes 31.3% 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 $612.

In December 2020, with rates at 2.68%, it was $710.

By August 2026, at 6.67%, it was $1,613 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +207% 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 $201,852. So the real change is +55%, not +207%.

32666: +144% since January 2004.

Putnam County: +163% since January 2004.

Florida: +137% since January 2004 — 32666 ran ahead of it by 7 points.

Against 1,098 Florida ZIP codes, 32666 sits at the 55th percentile for affordability (price vs local income).

88th for appreciation (recent value growth); 1st for rental yield (rent vs price).

Owning the typical home costs about $2,050 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $629 a month.

Price divided by a year's rent: 41.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 32131 was worth $82,571.

Values peaked at $278,017 in June 2024. The latest reading is −3.6% from that peak.

As of August 2026: $267,967, +1.2% over twelve months.

Start with the typical home: $267,967. Put 20% down and borrow $214,374 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,484 a month in principal and interest.

The median household here earns $66,580 a year, $5,548 a month. So the payment takes 26.8% 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 8.2% 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 $384.

In December 2020, with rates at 2.68%, it was $624.

By August 2026, at 6.67%, it was $1,379 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +225% 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 $148,092. So the real change is +81%, not +225%.

32131: +225% since January 2004.

Putnam County: +163% since January 2004.

Florida: +137% since January 2004 — 32131 ran ahead of it by 88 points.

Owning the typical home costs about $1,752 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $957 a month.

Price divided by a year's rent: 23.3. 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 9 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 45.

Going out — closed sales: about 5 a month. The drain is drawn 30% narrower: the share of homes for sale that sell each month is 70% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.0 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 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 71% of it, and below it in 16 of the last 24 months.

Across Putnam County, builders pulled permits for 127 new homes in 2025.

Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 133% of it, and below it in 15 of the last 24 months.

Across Putnam County, builders pulled permits for 127 new homes in 2025.

Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Putnam County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,215 moved in. Among the ten receiving the most, 936 moved out.

Net across those counties: +279 households. Beside it, homes for sale in this ZIP: 45 in June 2026.

Most arrivals came from St. Johns, FL (233 households); most departures went to Alachua, FL (166).

This ZIP sits in Putnam County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,215 moved in. Among the ten receiving the most, 936 moved out.

Net across those counties: +279 households. Beside it, homes for sale in this ZIP: 14 in June 2026.

Most arrivals came from St. Johns, FL (233 households); most departures went to Alachua, FL (166).