ZIP 32754 vs ZIP 32904

32754 is one of 30 ZIP codes that lie mostly in Brevard County, FL — 78% of its own area is in the county.

Shaded by typical home value, it ranks 11 of the 26 with a value.

2 school locations in 32754: 2 middle.

In alphabetical order: MIMS ELEMENTARY SCHOOL, PINEWOOD ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

32904 is one of 30 ZIP codes that lie mostly in Brevard County, FL.

Shaded by typical home value, it ranks 12 of the 26 with a value.

7 school locations in 32904: 1 elementary, 6 middle.

In alphabetical order: CENTRAL MIDDLE SCHOOL, EDUCATIONAL HORIZONS CHARTER, IMAGINE SCHOOLS AT WEST MELBOURNE, MEADOWLANE INTERMEDIATE ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32754 was worth $109,050.

Values peaked at $395,344 in April 2024. The latest reading is −2.1% from that peak.

As of August 2026: $387,077, +2.0% over twelve months.

Start with the typical home: $387,077. Put 20% down and borrow $309,662 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,144 a month in principal and interest.

The median household here earns $69,960 a year, $5,830 a month. So the payment takes 36.8% 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 10.4% 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 $653.

In December 2020, with rates at 2.68%, it was $877.

By August 2026, at 6.67%, it was $1,991 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +255% 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 $215,221. So the real change is +80%, not +255%.

32754: +255% since January 2000.

Brevard County: +220% since January 2000.

Florida: +245% since January 2000 — 32754 ran ahead of it by 10 points.

Owning the typical home costs about $2,531 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,016 a month.

Price divided by a year's rent: 31.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32904 was worth $119,353.

Values peaked at $407,619 in August 2022. The latest reading is −7.6% from that peak.

As of August 2026: $376,506, −1.0% over twelve months.

Start with the typical home: $376,506. Put 20% down and borrow $301,205 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,085 a month in principal and interest.

The median household here earns $86,943 a year, $7,245 a month. So the payment takes 28.8% 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 9.1% 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 $715.

In December 2020, with rates at 2.68%, it was $924.

By August 2026, at 6.67%, it was $1,937 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +215% 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 $235,555. So the real change is +60%, not +215%.

32904: +216% since January 2000.

Brevard County: +220% since January 2000.

Florida: +245% since January 2000 — 32904 ran behind it by 30 points.

Owning the typical home costs about $2,462 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,928 a month.

Price divided by a year's rent: 16.3. 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 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 54.

Going out — closed sales: about 14 a month.

The ladder: homes for sale ÷ monthly sales = 3.95 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 117% of it, and below it in 14 of the last 24 months.

Across Brevard County, builders pulled permits for 4,624 new homes in 2025.

Of those, 73% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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 57 a month (Redfin, 3-month rolling data through August 2026). That is 78% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 173. That is 90% of the 2015–2019 level for the same months.

Going out — closed sales: about 56 a month. That is 81% of the 2015–2019 level for the same months. The drain is drawn 8% narrower: the share of homes for sale that sell each month is 92% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 56 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 58 — so sales ran at 97% of it, and below it in 22 of the last 24 months.

Across Brevard County, builders pulled permits for 4,624 new homes in 2025.

Of those, 73% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Brevard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,046 moved in. Among the ten receiving the most, 3,979 moved out.

Net across those counties: +2,067 households. Beside it, homes for sale in this ZIP: 54 in June 2026.

Most arrivals came from Orange, FL (1,458 households); most departures went to Orange, FL (1,196).

This ZIP sits in Brevard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,046 moved in. Among the ten receiving the most, 3,979 moved out.

Net across those counties: +2,067 households. Beside it, homes for sale in this ZIP: 173 in June 2026.

Most arrivals came from Orange, FL (1,458 households); most departures went to Orange, FL (1,196).