ZIP 32757 vs ZIP 34736

32757 is one of 24 ZIP codes that lie mostly in Lake County, FL — 67% of its own area is in the county.

Shaded by typical home value, it ranks 8 of the 23 with a value.

5 school locations in 32757: 1 elementary, 2 middle, 2 high.

In alphabetical order: CONTRACTED SERVICES, MT. DORA HIGH SCHOOL, MT. DORA MIDDLE SCHOOL, ROUND LAKE ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

34736 is one of 24 ZIP codes that lie mostly in Lake County, FL.

Shaded by typical home value, it ranks 9 of the 23 with a value.

3 school locations in 34736: 1 elementary, 1 middle, 1 high.

In alphabetical order: GRAY MIDDLE SCHOOL, GROVELAND ELEMENTARY SCHOOL, SOUTH LAKE HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32757 was worth $129,827.

Values peaked at $402,354 in May 2024. The latest reading is −3.3% from that peak.

As of August 2026: $388,942, −1.3% over twelve months.

Start with the typical home: $388,942. Put 20% down and borrow $311,154 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,154 a month in principal and interest.

The median household here earns $73,327 a year, $6,111 a month. So the payment takes 35.3% 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 11.8% 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 $777.

In December 2020, with rates at 2.68%, it was $926.

By August 2026, at 6.67%, it was $2,001 — +116% since December 2020, while the home's value moved +36%.

Reported values rose +200% 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 $256,227. So the real change is +52%, not +200%.

32757: +200% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 32757 ran behind it by 45 points.

Owning the typical home costs about $2,543 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,911 a month.

Price divided by a year's rent: 17.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34736 was worth $132,241.

Values peaked at $404,849 in August 2022. The latest reading is −9.0% from that peak.

As of August 2026: $368,296, −3.4% over twelve months.

Start with the typical home: $368,296. Put 20% down and borrow $294,637 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,040 a month in principal and interest.

The median household here earns $82,478 a year, $6,873 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 10.7% 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 $792.

In December 2020, with rates at 2.68%, it was $907.

By August 2026, at 6.67%, it was $1,895 — +109% since December 2020, while the home's value moved +31%.

Reported values rose +179% 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 $260,991. So the real change is +41%, not +179%.

34736: +179% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 34736 ran behind it by 67 points.

Owning the typical home costs about $2,408 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,354 a month.

Price divided by a year's rent: 13.0. 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 90 a month (Redfin, 3-month rolling data through August 2026). That is 119% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 330. That is 149% of the 2015–2019 level for the same months.

Going out — closed sales: about 73 a month. That is 108% of the 2015–2019 level for the same months. The drain is drawn 27% narrower: the share of homes for sale that sell each month is 73% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.5 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 17 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 73 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 133% of it, and below it in 9 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 new homes in 2025.

Of those, 75% 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 83 a month (Redfin, 3-month rolling data through August 2026). That is 120% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 267. That is 136% of the 2015–2019 level for the same months.

Going out — closed sales: about 59 a month. That is 128% of the 2015–2019 level for the same months. The drain is drawn 6% narrower: the share of homes for sale that sell each month is 94% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 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 24 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 59 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 47 — so sales ran at 126% of it, and below it in 8 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 330 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).

County assessor records list 2,796 properties with a market value here. Their average assessed market value is $415,190; the typical home value is $388,942.

The assessor average sits +6.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 267 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).