Lotvox market story · compare
ZIP 32693 vs ZIP 32619
1 of 4
Who's going to sell
Turnover Index not published for 32693 yet.
Where
32693 in Gilchrist County, FL
32693 is one of 2 ZIP codes that lie mostly in Gilchrist County, FL — 75% of its own area is in the county.
Shaded by typical home value, it ranks 2 of the 2 with a value.
- Value rank in county
- 2 of 2
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32693
5 school locations in 32693: 2 elementary, 3 high.
In alphabetical order: GILCHRIST VIRTUAL FRANCHISE, GILCHRIST VIRTUAL INSTRUCTION PROGRAM, GILCHRIST VIRTUAL INSTRUCTION PROGRAM (DISTRICT PROVIDED), TRENTON ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 5
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 32619 yet.
Where
32619 in Gilchrist County, FL
32619 is one of 2 ZIP codes that lie mostly in Gilchrist County, FL.
Shaded by typical home value, it ranks 1 of the 2 with a value.
- Value rank in county
- 1 of 2
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32619
2 school locations in 32619: 1 elementary, 1 high.
In alphabetical order: BELL ELEMENTARY SCHOOL, BELL HIGH SCHOOL. Locations only — no ratings are shown here.
- School locations
- 2
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
2 of 4
What it costs
Home values
What homes are worth in 32693
In January 2000 the typical home in 32693 was worth $73,333.
Values peaked at $288,977 in April 2026. The latest reading is −1.0% from that peak.
As of August 2026: $286,138, +2.0% over twelve months.
- Typical home value
- $286,138
- 12-month change
- +2.0%
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: $286,138. Put 20% down and borrow $228,910 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,585 a month in principal and interest.
The median household here earns $64,128 a year, $5,344 a month. So the payment takes 29.7% 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 7.6% in 2000.
- Payment share of income
- 29.7%
- Monthly P&I
- $1,585
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 $439.
In December 2020, with rates at 2.68%, it was $612.
By August 2026, at 6.67%, it was $1,472 — +140% since December 2020, while the home's value moved +51%.
- Payment change since 2020
- +140%
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 +290% 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 $144,730. So the real change is +98%, not +290%.
- Real change since 2000
- +98%
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
32693 against its neighbors
32693: +290% since January 2000.
Gilchrist County: +312% since January 2000.
Florida: +245% since January 2000 — 32693 ran ahead of it by 45 points.
- Change since 2000
- +290%
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 $1,871 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $882 a month.
Price divided by a year's rent: 27.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 27.0
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)
Home values
What homes are worth in 32619
In January 2000 the typical home in 32619 was worth $64,144.
Values peaked at $297,328 in May 2026. The latest reading is −0.9% from that peak.
As of August 2026: $294,732, +2.7% over twelve months.
- Typical home value
- $294,732
- 12-month change
- +2.7%
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: $294,732. Put 20% down and borrow $235,786 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,633 a month in principal and interest.
The median household here earns $62,045 a year, $5,170 a month. So the payment takes 31.6% 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 6.9% in 2000.
- Payment share of income
- 31.6%
- Monthly P&I
- $1,633
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 $384.
In December 2020, with rates at 2.68%, it was $594.
By August 2026, at 6.67%, it was $1,516 — +155% since December 2020, while the home's value moved +61%.
- Payment change since 2020
- +155%
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 +359% 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 $126,595. So the real change is +133%, not +359%.
- Real change since 2000
- +133%
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
32619 against its neighbors
32619: +360% since January 2000.
Gilchrist County: +312% since January 2000.
Florida: +245% since January 2000 — 32619 ran ahead of it by 115 points.
- Change since 2000
- +360%
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 $1,927 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $615 a month.
Price divided by a year's rent: 39.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 39.9
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)
3 of 4
What's moving
Housing pulse
Listings Flow Ladder
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 10 a month (Redfin, 3-month rolling data through August 2026).
On the shelf — homes for sale at the end of the period: 42.
Going out — closed sales: about 8 a month.
The ladder: homes for sale ÷ monthly sales = 5.3 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 5.3
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 8 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 8 — so sales ran at 100% of it, and below it in 7 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 Gilchrist County, builders pulled permits for 94 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 94
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 4 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 200% of it, and below it in 2 of the last 24 months.
- Sales vs 2015–19 level
- 200%
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 Gilchrist County, builders pulled permits for 94 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 94
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
4 of 4
Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Gilchrist County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 372 moved in. Among the ten receiving the most, 328 moved out.
Net across those counties: +44 households. Beside it, homes for sale in this ZIP: 42 in June 2026.
Most arrivals came from Alachua, FL (159 households); most departures went to Alachua, FL (131).
- Net households (top-10 flows)
- +44
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 Gilchrist County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 372 moved in. Among the ten receiving the most, 328 moved out.
Net across those counties: +44 households. Beside it, homes for sale in this ZIP: 20 in June 2026.
Most arrivals came from Alachua, FL (159 households); most departures went to Alachua, FL (131).
- Net households (top-10 flows)
- +44
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01