ZIP 32784 vs ZIP 34482

32784 is one of 29 ZIP codes that lie mostly in Marion County, FL — 56% of its own area is in the county.

Shaded by typical home value, it ranks 11 of the 24 with a value.

3 school locations in 32784: 1 elementary, 1 middle, 1 high.

In alphabetical order: UMATILLA ELEMENTARY SCHOOL, UMATILLA HIGH SCHOOL, UMATILLA MIDDLE SCHOOL. Locations only — no ratings are shown here.

34482 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 12 of the 24 with a value.

2 school locations in 34482: 1 elementary, 1 high.

In alphabetical order: FESSENDEN ELEMENTARY SCHOOL, OCALA CENTER FOR SUCCESS AND INDEPENDENCE. Locations only — no ratings are shown here.

In January 2000 the typical home in 32784 was worth $78,744.

Values peaked at $302,878 in February 2025. The latest reading is −3.3% from that peak.

As of August 2026: $292,873, −0.5% over twelve months.

Start with the typical home: $292,873. Put 20% down and borrow $234,298 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,622 a month in principal and interest.

The median household here earns $69,633 a year, $5,803 a month. So the payment takes 28.0% 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 7.5% 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 $471.

In December 2020, with rates at 2.68%, it was $665.

By August 2026, at 6.67%, it was $1,507 — +126% since December 2020, while the home's value moved +43%.

Reported values rose +272% 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 $155,409. So the real change is +88%, not +272%.

32784: +185% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 32784 ran ahead of it by 48 points.

Owning the typical home costs about $1,915 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,197 a month.

Price divided by a year's rent: 20.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 34482 was worth $137,530.

Values peaked at $315,450 in December 2022. The latest reading is −7.5% from that peak.

As of August 2026: $291,869, −2.2% over twelve months.

Start with the typical home: $291,869. Put 20% down and borrow $233,495 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,617 a month in principal and interest.

The median household here earns $71,449 a year, $5,954 a month. So the payment takes 27.2% 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 12.8% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $639.

In December 2020, with rates at 2.68%, it was $661.

By August 2026, at 6.67%, it was $1,502 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +112% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $246,661. So the real change is +18%, not +112%.

34482: +112% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34482 ran behind it by 25 points.

Owning the typical home costs about $1,909 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,967 a month.

Price divided by a year's rent: 12.4. 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 18 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 82.

Going out — closed sales: about 14 a month. The drain is drawn 11% narrower: the share of homes for sale that sell each month is 89% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.0 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 4 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 14 — so sales ran at 100% of it, and below it in 2 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% 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 48 a month (Redfin, 3-month rolling data through August 2026). That is 118% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 217. That is 114% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 126% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 5.1 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 140% of it, and below it in 0 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 82 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 217 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).