ZIP 32766 vs ZIP 32732

32766 is one of 14 ZIP codes that lie mostly in Seminole County, FL.

Shaded by typical home value, it ranks 1 of the 14 with a value.

3 school locations in 32766: 2 elementary, 1 middle.

In alphabetical order: CHILES MIDDLE SCHOOL, PARTIN ELEMENTARY SCHOOL, WALKER ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

32732 is one of 14 ZIP codes that lie mostly in Seminole County, FL.

Shaded by typical home value, it ranks 2 of the 14 with a value.

1 school location in 32732: 1 elementary.

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

In January 2000 the typical home in 32766 was worth $162,643.

Values peaked at $601,085 in August 2026. The latest reading is the peak.

As of August 2026: $601,085, +1.9% over twelve months.

Start with the typical home: $601,085. Put 20% down and borrow $480,868 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,329 a month in principal and interest.

The median household here earns $146,215 a year, $12,185 a month. So the payment takes 27.3% 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 7.4% 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 $974.

In December 2020, with rates at 2.68%, it was $1,300.

By August 2026, at 6.67%, it was $3,092 — +138% since December 2020, while the home's value moved +50%.

Reported values rose +270% 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 $320,993. So the real change is +87%, not +270%.

32766: +270% since January 2000.

Seminole County: +238% since January 2000.

Florida: +245% since January 2000 — 32766 ran ahead of it by 25 points.

Against 1,098 Florida ZIP codes, 32766 sits at the 80th percentile for affordability (price vs local income).

83rd for appreciation (recent value growth); 35th for rental yield (rent vs price).

Owning the typical home costs about $3,931 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,655 a month.

Price divided by a year's rent: 18.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32732 was worth $138,064.

Values peaked at $584,904 in August 2026. The latest reading is the peak.

As of August 2026: $584,904, +1.7% over twelve months.

Start with the typical home: $584,904. Put 20% down and borrow $467,923 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,240 a month in principal and interest.

The median household here earns $112,222 a year, $9,352 a month. So the payment takes 34.6% 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 8.2% 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 $827.

In December 2020, with rates at 2.68%, it was $1,287.

By August 2026, at 6.67%, it was $3,009 — +134% since December 2020, while the home's value moved +47%.

Reported values rose +324% 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 $272,484. So the real change is +115%, not +324%.

32732: +324% since January 2000.

Seminole County: +238% since January 2000.

Florida: +245% since January 2000 — 32732 ran ahead of it by 79 points.

Against 1,098 Florida ZIP codes, 32732 sits at the 41st percentile for affordability (price vs local income).

82nd for appreciation (recent value growth).

Owning the typical home costs about $3,825 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,783 a month.

Price divided by a year's rent: 27.3. 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 17 a month (Redfin, 3-month rolling data through August 2026). That is 54% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 44.

Going out — closed sales: about 18 a month. That is 51% of the 2015–2019 level for the same months. The drain is drawn 19% narrower: the share of homes for sale that sell each month is 81% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.5 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 sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 18 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 25 — so sales ran at 72% of it, and below it in 23 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).

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 71% of it, and below it in 22 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: 44 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: 23 in June 2026.

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