ZIP 33043 vs ZIP 33050

33043 is one of 9 ZIP codes that lie mostly in Monroe County, FL.

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

1 school location in 33043: 1 elementary.

In alphabetical order: BIG PINE ACADEMY. Locations only — no ratings are shown here.

33050 is one of 9 ZIP codes that lie mostly in Monroe County, FL.

Shaded by typical home value, it ranks 8 of the 9 with a value.

2 school locations in 33050: 1 elementary, 1 high.

In alphabetical order: MARATHON SCHOOL, STANLEY SWITLIK ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In February 2016 the typical home in 33043 was worth $360,849.

Values peaked at $772,917 in May 2024. The latest reading is −4.0% from that peak.

As of August 2026: $742,324, +2.7% over twelve months.

Start with the typical home: $742,324. Put 20% down and borrow $593,859 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,112 a month in principal and interest.

The median household here earns $92,955 a year, $7,746 a month. So the payment takes 53.1% 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 25.8% 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 $1,322.

In December 2020, with rates at 2.68%, it was $1,553.

By August 2026, at 6.67%, it was $3,819 — +146% since December 2020, while the home's value moved +55%.

Reported values rose +106% 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 $508,017. So the real change is +46%, not +106%.

33043: +106% since February 2016.

Monroe County: +93% since February 2016.

Florida: +93% since February 2016 — 33043 ran ahead of it by 13 points.

Against 1,098 Florida ZIP codes, 33043 sits at the 7th percentile for affordability (price vs local income).

91st for appreciation (recent value growth); 91st for rental yield (rent vs price).

Owning the typical home costs about $4,854 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $5,500 a month.

Price divided by a year's rent: 11.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2016 the typical home in 33050 was worth $455,121.

Values peaked at $887,269 in January 2024. The latest reading is −5.6% from that peak.

As of August 2026: $837,169, +1.2% over twelve months.

Start with the typical home: $837,169. Put 20% down and borrow $669,735 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,637 a month in principal and interest.

The median household here earns $83,243 a year, $6,937 a month. So the payment takes 66.8% 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 36.3% 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 $1,668.

In December 2020, with rates at 2.68%, it was $1,863.

By August 2026, at 6.67%, it was $4,307 — +131% since December 2020, while the home's value moved +46%.

Reported values rose +84% 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 $640,737. So the real change is +31%, not +84%.

33050: +84% since February 2016.

Monroe County: +93% since February 2016.

Florida: +93% since February 2016 — 33050 ran behind it by 9 points.

Against 1,098 Florida ZIP codes, 33050 sits at the 0th percentile for affordability (price vs local income).

77th for appreciation (recent value growth); 12th for rental yield (rent vs price).

Owning the typical home costs about $5,474 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $5,766 a month.

Price divided by a year's rent: 12.1. 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 10 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 72.

Going out — closed sales: about 10 a month. The drain is drawn 41% narrower: the share of homes for sale that sell each month is 59% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.4 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 100% of it, and below it in 13 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).

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 39 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 226. That is 130% of the 2015–2019 level for the same months.

Going out — closed sales: about 28 a month. That is 104% of the 2015–2019 level for the same months. The drain is drawn 22% narrower: the share of homes for sale that sell each month is 78% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 28 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — so sales ran at 122% of it, and below it in 13 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: 72 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: 226 in June 2026.

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