ZIP 32765 vs ZIP 32746

32765 is one of 14 ZIP codes that lie mostly in Seminole County, FL.

Shaded by typical home value, it ranks 4 of the 14 with a value.

9 school locations in 32765: 4 elementary, 2 middle, 2 high, 1 other.

In alphabetical order: BOYS TOWN, CARILLON ELEMENTARY SCHOOL, EVANS ELEMENTARY SCHOOL, HAGERTY HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32746 is one of 14 ZIP codes that lie mostly in Seminole County, FL.

Shaded by typical home value, it ranks 5 of the 14 with a value.

13 school locations in 32746: 4 elementary, 4 middle, 5 high.

In alphabetical order: CRYSTAL LAKE ELEMENTARY SCHOOL, ENDEAVOR SCHOOL, GREENWOOD LAKES MIDDLE SCHOOL, HEATHROW ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32765 was worth $144,625.

Values peaked at $504,145 in May 2024. The latest reading is −3.2% from that peak.

As of August 2026: $488,022, −0.3% over twelve months.

Start with the typical home: $488,022. Put 20% down and borrow $390,418 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,703 a month in principal and interest.

The median household here earns $99,161 a year, $8,263 a month. So the payment takes 32.7% 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 9.7% 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 $866.

In December 2020, with rates at 2.68%, it was $1,124.

By August 2026, at 6.67%, it was $2,511 — +123% since December 2020, while the home's value moved +41%.

Reported values rose +237% 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 $285,432. So the real change is +71%, not +237%.

32765: +237% since January 2000.

Seminole County: +238% since January 2000.

Florida: +245% since January 2000 — 32765 ran behind it by 8 points.

Against 1,098 Florida ZIP codes, 32765 sits at the 47th percentile for affordability (price vs local income).

54th for appreciation (recent value growth); 25th for rental yield (rent vs price).

Owning the typical home costs about $3,191 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,142 a month.

Price divided by a year's rent: 19.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32746 was worth $158,456.

Values peaked at $488,548 in May 2024. The latest reading is −4.4% from that peak.

As of August 2026: $467,147, −0.2% over twelve months.

Start with the typical home: $467,147. Put 20% down and borrow $373,718 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,588 a month in principal and interest.

The median household here earns $111,534 a year, $9,295 a month. So the payment takes 27.8% 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 9.4% 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 $949.

In December 2020, with rates at 2.68%, it was $1,119.

By August 2026, at 6.67%, it was $2,403 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +195% 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 $312,729. So the real change is +49%, not +195%.

32746: +195% since January 2000.

Seminole County: +238% since January 2000.

Florida: +245% since January 2000 — 32746 ran behind it by 50 points.

Against 1,098 Florida ZIP codes, 32746 sits at the 76th percentile for affordability (price vs local income).

59th for appreciation (recent value growth); 22nd for rental yield (rent vs price).

Owning the typical home costs about $3,055 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,992 a month.

Price divided by a year's rent: 19.5. 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 78 a month (Redfin, 3-month rolling data through August 2026). That is 61% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 218. That is 93% of the 2015–2019 level for the same months.

Going out — closed sales: about 77 a month. That is 63% of the 2015–2019 level for the same months. The drain is drawn 33% narrower: the share of homes for sale that sell each month is 67% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.8 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 77 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 93 — so sales ran at 83% of it, and below it in 24 of the last 24 months.

Across Seminole County, builders pulled permits for 1,997 new homes in 2025.

Of those, 45% 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 67 a month (Redfin, 3-month rolling data through August 2026). That is 66% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 205. That is 81% of the 2015–2019 level for the same months.

Going out — closed sales: about 58 a month. That is 61% of the 2015–2019 level for the same months. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.6 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 58 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 82 — so sales ran at 71% of it, and below it in 24 of the last 24 months.

Across Seminole County, builders pulled permits for 1,997 new homes in 2025.

Of those, 45% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Seminole County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,713 moved in. Among the ten receiving the most, 12,534 moved out.

Net across those counties: +179 households. Beside it, homes for sale in this ZIP: 218 in June 2026.

Most arrivals came from Orange, FL (7,701 households); most departures went to Orange, FL (6,288).

This ZIP sits in Seminole County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,713 moved in. Among the ten receiving the most, 12,534 moved out.

Net across those counties: +179 households. Beside it, homes for sale in this ZIP: 205 in June 2026.

Most arrivals came from Orange, FL (7,701 households); most departures went to Orange, FL (6,288).