ZIP 33001 vs ZIP 33051

33001 is one of 9 ZIP codes that lie mostly in Monroe County, FL.

Shaded by typical home value, it ranks 6 of the 9 with a value.

33051 is one of 9 ZIP codes that lie mostly in Monroe County, FL.

Shaded by typical home value, it ranks 7 of the 9 with a value.

In February 2019 the typical home in 33001 was worth $527,107.

Values peaked at $947,339 in December 2022. The latest reading is −4.9% from that peak.

As of August 2026: $900,874, −0.8% over twelve months.

Start with the typical home: $900,874. Put 20% down and borrow $720,699 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,990 a month in principal and interest.

The median household here earns $60,750 a year, $5,063 a month. So the payment takes 98.6% 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 57.7% in 2019.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2019 (4.37%) the payment was $2,104.

In December 2020, with rates at 2.68%, it was $1,898.

By August 2026, at 6.67%, it was $4,635 — +144% since December 2020, while the home's value moved +54%.

Reported values rose +71% since February 2019.

General prices (CPI-U) rose +32% over the same span.

Divide one by the other: in August 2026 dollars, the 2019 home was worth $695,261. So the real change is +30%, not +71%.

33001: +71% since February 2019.

Monroe County: +65% since February 2019.

Florida: +55% since February 2019 — 33001 ran ahead of it by 16 points.

Against 1,098 Florida ZIP codes, 33001 sits at the 0th percentile for affordability (price vs local income).

52nd for appreciation (recent value growth); 2nd for rental yield (rent vs price).

Owning the typical home costs about $5,891 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,932 a month.

Price divided by a year's rent: 38.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2016 the typical home in 33051 was worth $520,758.

Values peaked at $976,577 in July 2023. The latest reading is −9.8% from that peak.

As of August 2026: $880,779, +0.5% over twelve months.

Start with the typical home: $880,779. Put 20% down and borrow $704,623 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,879 a month in principal and interest.

The median household here earns $94,531 a year, $7,878 a month. So the payment takes 61.9% 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 36.6% in 2016.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2016 (3.66%) the payment was $1,908.

In December 2020, with rates at 2.68%, it was $2,072.

By August 2026, at 6.67%, it was $4,531 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +69% since February 2016.

General prices (CPI-U) rose +41% over the same span.

Divide one by the other: in August 2026 dollars, the 2016 home was worth $733,144. So the real change is +20%, not +69%.

33051: +69% since February 2016.

Monroe County: +93% since February 2016.

Florida: +93% since February 2016 — 33051 ran behind it by 24 points.

Against 1,098 Florida ZIP codes, 33051 sits at the 4th percentile for affordability (price vs local income).

76th for appreciation (recent value growth); 1st for rental yield (rent vs price).

Owning the typical home costs about $5,759 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,797 a month.

Price divided by a year's rent: 40.8. 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 1 — so sales ran at 100% of it, and below it in 9 of the last 24 months.

Across Monroe County, builders pulled permits for 279 new homes in 2025.

Of those, 86% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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

The 2015–2019 level for the same month was 0 — so sales ran at ∞% of it, and below it in 0 of the last 24 months.

Across Monroe County, builders pulled permits for 279 new homes in 2025.

Of those, 86% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Monroe County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 994 moved in. Among the ten receiving the most, 1,064 moved out.

Net across those counties: −70 households. Beside it, homes for sale in this ZIP: 3 in June 2026.

Most arrivals came from Miami-Dade, FL (423 households); most departures went to Miami-Dade, FL (337).

This ZIP sits in Monroe County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 994 moved in. Among the ten receiving the most, 1,064 moved out.

Net across those counties: −70 households. Beside it, homes for sale in this ZIP: 1 in June 2026.

Most arrivals came from Miami-Dade, FL (423 households); most departures went to Miami-Dade, FL (337).