ZIP 33015 vs ZIP 33012

33015 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 33 of the 40 nearby ZIPs shown.

11 school locations in 33015: 3 elementary, 5 middle, 3 high.

In alphabetical order: COUNTRY CLUB MIDDLE SCHOOL, HIVE PREPARATORY SCHOOL, HIVE PREPARATORY SCHOOL - RIVERSIDE, JOELLA GOOD ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33012 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 34 of the 39 nearby ZIPs shown.

9 school locations in 33012: 4 elementary, 3 middle, 2 high.

In alphabetical order: CITRUS HEALTH SIPP/CRISIS, HENRY H. FILER MIDDLE SCHOOL, JOHN G. DUPUIS ELEMENTARY SCHOOL, MAE M. WALTERS ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 33015 was worth $97,244.

Values peaked at $419,927 in September 2024. The latest reading is −5.9% from that peak.

As of August 2026: $395,077, −1.7% over twelve months.

Start with the typical home: $395,077. Put 20% down and borrow $316,062 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,188 a month in principal and interest.

The median household here earns $73,609 a year, $6,134 a month. So the payment takes 35.7% 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 8.8% 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 $582.

In December 2020, with rates at 2.68%, it was $889.

By August 2026, at 6.67%, it was $2,033 — +129% since December 2020, while the home's value moved +44%.

Reported values rose +306% 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 $191,921. So the real change is +106%, not +306%.

33015: +306% since January 2000.

Miami-Dade County: +330% since January 2000.

Florida: +245% since January 2000 — 33015 ran ahead of it by 61 points.

Against 1,098 Florida ZIP codes, 33015 sits at the 35th percentile for affordability (price vs local income).

30th for appreciation (recent value growth); 56th for rental yield (rent vs price).

Owning the typical home costs about $2,583 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,253 a month.

Price divided by a year's rent: 14.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33012 was worth $94,417.

Values peaked at $402,573 in October 2024. The latest reading is −4.4% from that peak.

As of August 2026: $384,711, −0.8% over twelve months.

Start with the typical home: $384,711. Put 20% down and borrow $307,769 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,131 a month in principal and interest.

The median household here earns $45,818 a year, $3,818 a month. So the payment takes 55.8% 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 13.7% 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 $565.

In December 2020, with rates at 2.68%, it was $844.

By August 2026, at 6.67%, it was $1,979 — +134% since December 2020, while the home's value moved +48%.

Reported values rose +307% 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 $186,342. So the real change is +106%, not +307%.

33012: +308% since January 2000.

Miami-Dade County: +330% since January 2000.

Florida: +245% since January 2000 — 33012 ran ahead of it by 63 points.

Against 1,098 Florida ZIP codes, 33012 sits at the 6th percentile for affordability (price vs local income).

46th for appreciation (recent value growth); 60th for rental yield (rent vs price).

Owning the typical home costs about $2,516 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,201 a month.

Price divided by a year's rent: 14.6. 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 52 a month (Redfin, 3-month rolling data through August 2026). That is 70% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 177. That is 101% of the 2015–2019 level for the same months.

Going out — closed sales: about 30 a month. That is 50% of the 2015–2019 level for the same months. The drain is drawn 51% narrower: the share of homes for sale that sell each month is 49% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.9 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 22 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 30 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 53 — so sales ran at 57% of it, and below it in 24 of the last 24 months.

Across Miami-Dade County, builders pulled permits for 16,535 new homes in 2025.

Of those, 16% 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 44 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: 149.

Going out — closed sales: about 26 a month. That is 75% of the 2015–2019 level for the same months. The drain is drawn 46% narrower: the share of homes for sale that sell each month is 54% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.8 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 18 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 33 — so sales ran at 79% of it, and below it in 24 of the last 24 months.

Across Miami-Dade County, builders pulled permits for 16,535 new homes in 2025.

Of those, 16% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Miami-Dade County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 19,476 moved in. Among the ten receiving the most, 31,005 moved out.

Net across those counties: −11,529 households. Beside it, homes for sale in this ZIP: 177 in June 2026.

Most arrivals came from Broward, FL (10,482 households); most departures went to Broward, FL (17,471).

County assessor records list 17,774 properties with a market value here. Their average assessed market value is $341,600; the typical home value is $395,077.

The assessor average sits −13.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Miami-Dade County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 19,476 moved in. Among the ten receiving the most, 31,005 moved out.

Net across those counties: −11,529 households. Beside it, homes for sale in this ZIP: 149 in June 2026.

Most arrivals came from Broward, FL (10,482 households); most departures went to Broward, FL (17,471).

County assessor records list 17,657 properties with a market value here. Their average assessed market value is $310,750; the typical home value is $384,711.

The assessor average sits −19.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.