ZIP 32680 vs ZIP 32648

32680 is one of 5 ZIP codes that lie mostly in Dixie County, FL.

Shaded by typical home value, it ranks 2 of the 4 with a value.

1 school location in 32680: 1 elementary.

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

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.

In January 2000 the typical home in 32680 was worth $48,739.

Values peaked at $232,391 in July 2026. The latest reading is −0.2% from that peak.

As of August 2026: $231,938, +4.6% over twelve months.

Start with the typical home: $231,938. Put 20% down and borrow $185,550 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,285 a month in principal and interest.

The median household here earns $47,547 a year, $3,962 a month. So the payment takes 32.4% 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 6.8% 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 $292.

In December 2020, with rates at 2.68%, it was $499.

By August 2026, at 6.67%, it was $1,193 — +139% since December 2020, while the home's value moved +51%.

Reported values rose +376% 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 $96,191. So the real change is +141%, not +376%.

32680: +376% since January 2000.

Dixie County: +337% since January 2000.

Florida: +245% since January 2000 — 32680 ran ahead of it by 131 points.

Owning the typical home costs about $1,517 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $796 a month.

Price divided by a year's rent: 24.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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.

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%.

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%.

32648: +244% since January 2000.

Dixie County: +337% since January 2000.

Florida: +245% since January 2000 — 32648 ran behind it by 1 points.

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.

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: 50.

Going out — closed sales: about 5 a month. The drain is drawn 47% narrower: the share of homes for sale that sell each month is 53% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 10.0 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 6 — so sales ran at 83% of it, and below it in 15 of the last 24 months.

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).

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.

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).

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: 50 in June 2026.

Most arrivals came from Levy, FL (50 households); most departures went to Levy, FL (54).

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).