ZIP 32922 vs ZIP 32976

32922 is one of 30 ZIP codes that lie mostly in Brevard County, FL.

Shaded by typical home value, it ranks 26 of the 26 with a value.

6 school locations in 32922: 5 middle, 1 high.

In alphabetical order: BREVARD VIRTUAL ESCHOOL, BREVARD VIRTUAL FRANCHISE, BREVARD VIRTUAL INSTRUCTION PROGRAM, CAMBRIDGE ELEMENTARY MAGNET SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32976 is one of 30 ZIP codes that lie mostly in Brevard County, FL.

Shaded by typical home value, it ranks 25 of the 26 with a value.

In January 2000 the typical home in 32922 was worth $73,520.

Values peaked at $217,688 in April 2024. The latest reading is −8.3% from that peak.

As of August 2026: $199,659, −0.5% over twelve months.

Start with the typical home: $199,659. Put 20% down and borrow $159,727 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,106 a month in principal and interest.

The median household here earns $46,138 a year, $3,845 a month. So the payment takes 28.8% 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 10.6% 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 $440.

In December 2020, with rates at 2.68%, it was $455.

By August 2026, at 6.67%, it was $1,027 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +172% 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 $145,099. So the real change is +38%, not +172%.

32922: +172% since January 2000.

Brevard County: +220% since January 2000.

Florida: +245% since January 2000 — 32922 ran behind it by 73 points.

Owning the typical home costs about $1,306 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,251 a month.

Price divided by a year's rent: 13.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32976 was worth $67,123.

Values peaked at $260,574 in November 2022. The latest reading is −15.0% from that peak.

As of August 2026: $221,522, −0.9% over twelve months.

Start with the typical home: $221,522. Put 20% down and borrow $177,218 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,227 a month in principal and interest.

The median household here earns $47,552 a year, $3,963 a month. So the payment takes 31.0% 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 9.4% 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 $402.

In December 2020, with rates at 2.68%, it was $574.

By August 2026, at 6.67%, it was $1,140 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +230% 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 $132,474. So the real change is +67%, not +230%.

32976: +230% since January 2000.

Brevard County: +220% since January 2000.

Florida: +245% since January 2000 — 32976 ran behind it by 15 points.

Owning the typical home costs about $1,449 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,298 a month.

Price divided by a year's rent: 14.2. 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 21 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 89.

Going out — closed sales: about 20 a month. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.5 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 20 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 125% of it, and below it in 12 of the last 24 months.

Across Brevard County, builders pulled permits for 4,624 new homes in 2025.

Of those, 73% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 100% of it, and below it in 8 of the last 24 months.

Across Brevard County, builders pulled permits for 4,624 new homes in 2025.

Of those, 73% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Brevard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,046 moved in. Among the ten receiving the most, 3,979 moved out.

Net across those counties: +2,067 households. Beside it, homes for sale in this ZIP: 89 in June 2026.

Most arrivals came from Orange, FL (1,458 households); most departures went to Orange, FL (1,196).

This ZIP sits in Brevard County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,046 moved in. Among the ten receiving the most, 3,979 moved out.

Net across those counties: +2,067 households. Beside it, homes for sale in this ZIP: 18 in June 2026.

Most arrivals came from Orange, FL (1,458 households); most departures went to Orange, FL (1,196).