ZIP 32951 vs ZIP 32903

32951 is one of 30 ZIP codes that lie mostly in Brevard County, FL.

Shaded by typical home value, it ranks 1 of the 26 with a value.

1 school location in 32951: 1 middle.

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

32903 is one of 30 ZIP codes that lie mostly in Brevard County, FL.

Shaded by typical home value, it ranks 2 of the 26 with a value.

2 school locations in 32903: 2 middle.

In alphabetical order: HERBERT C. HOOVER MIDDLE SCHOOL, INDIALANTIC ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32951 was worth $150,409.

Values peaked at $656,807 in April 2024. The latest reading is −6.1% from that peak.

As of August 2026: $616,897, 0.0% over twelve months.

Start with the typical home: $616,897. Put 20% down and borrow $493,518 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,417 a month in principal and interest.

The median household here earns $88,859 a year, $7,405 a month. So the payment takes 46.1% 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 11.3% 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 $901.

In December 2020, with rates at 2.68%, it was $1,359.

By August 2026, at 6.67%, it was $3,174 — +133% since December 2020, while the home's value moved +47%.

Reported values rose +310% 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 $296,848. So the real change is +108%, not +310%.

32951: +310% since January 2000.

Brevard County: +220% since January 2000.

Florida: +245% since January 2000 — 32951 ran ahead of it by 65 points.

Owning the typical home costs about $4,034 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,170 a month.

Price divided by a year's rent: 16.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32903 was worth $147,761.

Values peaked at $600,873 in January 2024. The latest reading is −6.6% from that peak.

As of August 2026: $561,259, +2.8% over twelve months.

Start with the typical home: $561,259. Put 20% down and borrow $449,007 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,109 a month in principal and interest.

The median household here earns $101,549 a year, $8,462 a month. So the payment takes 36.7% 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 9.7% 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 $885.

In December 2020, with rates at 2.68%, it was $1,308.

By August 2026, at 6.67%, it was $2,888 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +280% 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 $291,622. So the real change is +92%, not +280%.

32903: +280% since January 2000.

Brevard County: +220% since January 2000.

Florida: +245% since January 2000 — 32903 ran ahead of it by 35 points.

Owning the typical home costs about $3,670 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,739 a month.

Price divided by a year's rent: 17.1. 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 34 a month (Redfin, 3-month rolling data through August 2026). That is 100% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 124. That is 83% of the 2015–2019 level for the same months.

Going out — closed sales: about 26 a month. That is 95% of the 2015–2019 level for the same months.

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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — so sales ran at 113% of it, and below it in 18 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).

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 34 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: 117.

Going out — closed sales: about 29 a month. That is 73% of the 2015–2019 level for the same months. The drain is drawn 3% narrower: the share of homes for sale that sell each month is 97% 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 29 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 32 — so sales ran at 91% of it, and below it in 23 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: 124 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: 117 in June 2026.

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