ZIP 32826 vs ZIP 32703

32826 is one of 45 ZIP codes that lie mostly in Orange County, FL.

Shaded by typical home value, it ranks 25 of the 38 nearby ZIPs shown.

4 school locations in 32826: 3 elementary, 1 high.

In alphabetical order: BONNEVILLE ELEMENTARY, EAST LAKE ELEMENTARY, ECON RIVER HIGH CHARTER, UCP EAST CHARTER. Locations only — no ratings are shown here.

32703 is one of 45 ZIP codes that lie mostly in Orange County, FL — 91% of its own area is in the county.

Shaded by typical home value, it ranks 24 of the 37 nearby ZIPs shown.

9 school locations in 32703: 4 elementary, 1 middle, 4 high.

In alphabetical order: AMIKIDS ORLANDO, BEAR LAKE ELEMENTARY SCHOOL, LAKEVILLE ELEMENTARY, LOVELL ELEMENTARY, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32826 was worth $105,873.

Values peaked at $386,403 in July 2024. The latest reading is −7.0% from that peak.

As of August 2026: $359,180, −1.6% over twelve months.

Start with the typical home: $359,180. Put 20% down and borrow $287,344 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 $61,784 a year, $5,149 a month. So the payment takes 38.6% 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 11.4% 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 $634.

In December 2020, with rates at 2.68%, it was $851.

By August 2026, at 6.67%, it was $1,848 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +239% 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 $208,951. So the real change is +72%, not +239%.

32826: +239% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 32826 ran behind it by 6 points.

Against 1,098 Florida ZIP codes, 32826 sits at the 24th percentile for affordability (price vs local income).

37th for appreciation (recent value growth); 44th for rental yield (rent vs price).

Owning the typical home costs about $2,349 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,919 a month.

Price divided by a year's rent: 15.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32703 was worth $106,166.

Values peaked at $379,015 in May 2024. The latest reading is −6.0% from that peak.

As of August 2026: $356,310, −1.2% over twelve months.

Start with the typical home: $356,310. Put 20% down and borrow $285,048 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,974 a month in principal and interest.

The median household here earns $70,338 a year, $5,862 a month. So the payment takes 33.7% 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 10.0% 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 $636.

In December 2020, with rates at 2.68%, it was $843.

By August 2026, at 6.67%, it was $1,833 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +236% 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 $209,530. So the real change is +70%, not +236%.

32703: +236% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 32703 ran behind it by 9 points.

Against 1,098 Florida ZIP codes, 32703 sits at the 43rd percentile for affordability (price vs local income).

41st for appreciation (recent value growth); 44th for rental yield (rent vs price).

Owning the typical home costs about $2,330 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,906 a month.

Price divided by a year's rent: 15.6. 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 28 a month (Redfin, 3-month rolling data through August 2026). That is 73% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 58.

Going out — closed sales: about 21 a month. That is 62% of the 2015–2019 level for the same months. The drain is drawn 54% narrower: the share of homes for sale that sell each month is 46% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.7 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 21 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 70% 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).

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 84 a month (Redfin, 3-month rolling data through August 2026). That is 96% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 255. That is 142% of the 2015–2019 level for the same months.

Going out — closed sales: about 76 a month. That is 105% of the 2015–2019 level for the same months. The drain is drawn 21% narrower: the share of homes for sale that sell each month is 79% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.4 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 76 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 69 — so sales ran at 110% of it, and below it in 7 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: 58 in June 2026.

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

County assessor records list 5,466 properties with a market value here. Their average assessed market value is $319,335; the typical home value is $359,180.

The assessor average sits −11.1% 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: 255 in June 2026.

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

County assessor records list 13,521 properties with a market value here. Their average assessed market value is $306,530; the typical home value is $356,310.

The assessor average sits −14.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.