ZIP 32792 vs ZIP 32771

32792 is one of 14 ZIP codes that lie mostly in Seminole County, FL — 50% of its own area is in the county.

Shaded by typical home value, it ranks 8 of the 14 with a value.

7 school locations in 32792: 4 elementary, 3 high.

In alphabetical order: ALOMA ELEMENTARY, ALOMA HIGH CHARTER, BROOKSHIRE ELEMENTARY, EASTBROOK ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32771 is one of 14 ZIP codes that lie mostly in Seminole County, FL.

Shaded by typical home value, it ranks 9 of the 14 with a value.

12 school locations in 32771: 8 elementary, 2 middle, 2 high.

In alphabetical order: BENTLEY ELEMENTARY SCHOOL, CROOMS ACADEMY OF INFORMATION TECHNOLOGY, GALILEO SCHOOL FOR GIFTED LEARNING, GOLDSBORO ELEMENTARY MAGNET, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32792 was worth $104,748.

Values peaked at $417,499 in May 2024. The latest reading is −5.6% from that peak.

As of August 2026: $394,154, −0.2% over twelve months.

Start with the typical home: $394,154. Put 20% down and borrow $315,323 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,183 a month in principal and interest.

The median household here earns $66,176 a year, $5,515 a month. So the payment takes 39.6% 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 10.5% 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 $627.

In December 2020, with rates at 2.68%, it was $929.

By August 2026, at 6.67%, it was $2,028 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +276% 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 $206,731. So the real change is +91%, not +276%.

32792: +276% since January 2000.

Seminole County: +238% since January 2000.

Florida: +245% since January 2000 — 32792 ran ahead of it by 31 points.

Against 1,098 Florida ZIP codes, 32792 sits at the 22nd percentile for affordability (price vs local income).

60th for appreciation (recent value growth); 25th for rental yield (rent vs price).

Owning the typical home costs about $2,577 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,643 a month.

Price divided by a year's rent: 20.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32771 was worth $116,747.

Values peaked at $386,000 in May 2024. The latest reading is −6.9% from that peak.

As of August 2026: $359,347, −2.0% over twelve months.

Start with the typical home: $359,347. Put 20% down and borrow $287,478 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,990 a month in principal and interest.

The median household here earns $74,520 a year, $6,210 a month. So the payment takes 32.1% 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 10.4% 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 $699.

In December 2020, with rates at 2.68%, it was $869.

By August 2026, at 6.67%, it was $1,849 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +208% 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 $230,412. So the real change is +56%, not +208%.

32771: +208% since January 2000.

Seminole County: +238% since January 2000.

Florida: +245% since January 2000 — 32771 ran behind it by 37 points.

Against 1,098 Florida ZIP codes, 32771 sits at the 51st percentile for affordability (price vs local income).

27th for appreciation (recent value growth); 38th for rental yield (rent vs price).

Owning the typical home costs about $2,350 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,838 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 67 a month (Redfin, 3-month rolling data through August 2026). That is 77% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 187. That is 121% of the 2015–2019 level for the same months.

Going out — closed sales: about 56 a month. That is 76% of the 2015–2019 level for the same months. The drain is drawn 37% narrower: the share of homes for sale that sell each month is 63% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.3 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 11 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 68 — so sales ran at 82% 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 93 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 325. That is 127% of the 2015–2019 level for the same months.

Going out — closed sales: about 68 a month. That is 73% of the 2015–2019 level for the same months. The drain is drawn 42% narrower: the share of homes for sale that sell each month is 58% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.8 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 25 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 68 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 78 — so sales ran at 87% 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: 187 in June 2026.

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

County assessor records list 6,147 properties with a market value here. Their average assessed market value is $338,100; the typical home value is $394,154.

The assessor average sits −14.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

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: 325 in June 2026.

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