ZIP 32798 vs ZIP 32807

32798 is one of 45 ZIP codes that lie mostly in Orange County, FL.

Shaded by typical home value, it ranks 27 of the 37 nearby ZIPs shown.

1 school location in 32798: 1 elementary.

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

32807 is one of 45 ZIP codes that lie mostly in Orange County, FL.

Shaded by typical home value, it ranks 28 of the 37 nearby ZIPs shown.

10 school locations in 32807: 5 elementary, 2 middle, 3 high.

In alphabetical order: ACCESS CHARTER, AZALEA PARK ELEMENTARY, BETA, BRIDGEPREP ACADEMY CHARTER, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32798 was worth $123,993.

Values peaked at $350,341 in August 2024. The latest reading is −4.1% from that peak.

As of August 2026: $336,074, +0.2% over twelve months.

Start with the typical home: $336,074. Put 20% down and borrow $268,859 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,862 a month in principal and interest.

The median household here earns $60,337 a year, $5,028 a month. So the payment takes 37.0% 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 13.7% 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 $742.

In December 2020, with rates at 2.68%, it was $754.

By August 2026, at 6.67%, it was $1,729 — +129% since December 2020, while the home's value moved +44%.

Reported values rose +171% 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 $244,713. So the real change is +37%, not +171%.

32798: +171% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 32798 ran behind it by 74 points.

Against 1,098 Florida ZIP codes, 32798 sits at the 31st percentile for affordability (price vs local income).

65th for appreciation (recent value growth); 6th for rental yield (rent vs price).

Owning the typical home costs about $2,198 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $985 a month.

Price divided by a year's rent: 28.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32807 was worth $75,706.

Values peaked at $334,785 in August 2024. The latest reading is −5.5% from that peak.

As of August 2026: $316,210, −0.3% over twelve months.

Start with the typical home: $316,210. Put 20% down and borrow $252,968 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,751 a month in principal and interest.

The median household here earns $59,583 a year, $4,965 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 8.4% 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 $453.

In December 2020, with rates at 2.68%, it was $741.

By August 2026, at 6.67%, it was $1,627 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +318% 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 $149,414. So the real change is +112%, not +318%.

32807: +318% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 32807 ran ahead of it by 73 points.

Against 1,098 Florida ZIP codes, 32807 sits at the 35th percentile for affordability (price vs local income).

56th for appreciation (recent value growth); 40th for rental yield (rent vs price).

Owning the typical home costs about $2,068 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,641 a month.

Price divided by a year's rent: 16.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 11% of it, and below it in 16 of the last 24 months.

Across Orange County, builders pulled permits for 13,140 new homes in 2025.

Of those, 32% 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 36 a month (Redfin, 3-month rolling data through August 2026). That is 80% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 100.

Going out — closed sales: about 25 a month. That is 60% of the 2015–2019 level for the same months. The drain is drawn 50% narrower: the share of homes for sale that sell each month is 50% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.1 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 40 — so sales ran at 63% of it, and below it in 24 of the last 24 months.

Across Orange County, builders pulled permits for 13,140 new homes in 2025.

Of those, 32% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Orange County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 25,028 moved in. Among the ten receiving the most, 30,979 moved out.

Net across those counties: −5,951 households. Beside it, homes for sale in this ZIP: 18 in June 2026.

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

County assessor records list 595 properties with a market value here. Their average assessed market value is $344,300; the typical home value is $336,074.

The assessor average sits +2.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Orange County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 25,028 moved in. Among the ten receiving the most, 30,979 moved out.

Net across those counties: −5,951 households. Beside it, homes for sale in this ZIP: 100 in June 2026.

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

County assessor records list 8,908 properties with a market value here. Their average assessed market value is $267,545; the typical home value is $316,210.

The assessor average sits −15.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.