ZIP 32827 vs ZIP 34787

32827 is one of 45 ZIP codes that lie mostly in Orange County, FL.

Shaded by typical home value, it ranks 5 of the 37 nearby ZIPs shown.

4 school locations in 32827: 3 elementary, 1 middle.

In alphabetical order: LAUREATE PARK ELEMENTARY, NORTHLAKE PARK COMMUNITY ELEMENTARY, PINECREST PREPARATORY CHARTER, VILLAGE PARK ELEMENTARY. Locations only — no ratings are shown here.

34787 is one of 45 ZIP codes that lie mostly in Orange County, FL — 81% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 37 nearby ZIPs shown.

18 school locations in 34787: 9 elementary, 5 middle, 4 high.

In alphabetical order: BRIDGEWATER MIDDLE, DILLARD STREET ELEMENTARY, ESTEEM ACADEMY, HORIZON HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32827 was worth $223,769.

Values peaked at $661,043 in May 2024. The latest reading is −3.7% from that peak.

As of August 2026: $636,884, −0.7% over twelve months.

Start with the typical home: $636,884. Put 20% down and borrow $509,507 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,528 a month in principal and interest.

The median household here earns $112,026 a year, $9,336 a month. So the payment takes 37.8% 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 13.3% 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 $1,340.

In December 2020, with rates at 2.68%, it was $1,420.

By August 2026, at 6.67%, it was $3,277 — +131% since December 2020, while the home's value moved +45%.

Reported values rose +185% 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 $441,631. So the real change is +44%, not +185%.

32827: +185% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 32827 ran behind it by 60 points.

Against 1,098 Florida ZIP codes, 32827 sits at the 27th percentile for affordability (price vs local income).

48th for appreciation (recent value growth); 15th for rental yield (rent vs price).

Owning the typical home costs about $4,165 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,472 a month.

Price divided by a year's rent: 21.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34787 was worth $181,096.

Values peaked at $601,851 in May 2024. The latest reading is −5.1% from that peak.

As of August 2026: $570,875, −0.9% over twelve months.

Start with the typical home: $570,875. Put 20% down and borrow $456,700 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,162 a month in principal and interest.

The median household here earns $114,988 a year, $9,582 a month. So the payment takes 33.0% 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 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 $1,084.

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

By August 2026, at 6.67%, it was $2,937 — +128% since December 2020, while the home's value moved +44%.

Reported values rose +215% 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 $357,412. So the real change is +60%, not +215%.

34787: +215% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 34787 ran behind it by 30 points.

Against 1,098 Florida ZIP codes, 34787 sits at the 47th percentile for affordability (price vs local income).

47th for appreciation (recent value growth); 21st for rental yield (rent vs price).

Owning the typical home costs about $3,733 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,260 a month.

Price divided by a year's rent: 21.0. 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 110% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 216. That is 133% of the 2015–2019 level for the same months.

Going out — closed sales: about 47 a month. That is 108% of the 2015–2019 level for the same months. The drain is drawn 18% narrower: the share of homes for sale that sell each month is 82% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 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 47 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 32 — so sales ran at 147% of it, and below it in 9 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 240 a month (Redfin, 3-month rolling data through August 2026). That is 124% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 772. That is 175% of the 2015–2019 level for the same months.

Going out — closed sales: about 182 a month. That is 95% of the 2015–2019 level for the same months. The drain is drawn 45% narrower: the share of homes for sale that sell each month is 55% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.2 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 58 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 182 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 175 — so sales ran at 104% of it, and below it in 10 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: 216 in June 2026.

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

County assessor records list 7,745 properties with a market value here. Their average assessed market value is $556,800; the typical home value is $636,884.

The assessor average sits −12.6% 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: 772 in June 2026.

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

County assessor records list 33,809 properties with a market value here. Their average assessed market value is $511,090; the typical home value is $570,875.

The assessor average sits −10.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.