ZIP 33109 vs ZIP 33146

33109 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 1 of the 39 nearby ZIPs shown.

33146 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 2 of the 39 nearby ZIPs shown.

4 school locations in 33146: 2 middle, 2 high.

In alphabetical order: HENRY S. WEST LABORATORY SCHOOL, INTERNATIONAL STUDIES PREPARATORY ACADEMY, PONCE DE LEON MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 33109 was worth $1,695,648.

Values peaked at $6,862,744 in August 2026. The latest reading is the peak.

As of August 2026: $6,862,744, +7.8% over twelve months.

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 $10,153.

In December 2020, with rates at 2.68%, it was $10,996.

By August 2026, at 6.67%, it was $35,307 — +221% since December 2020, while the home's value moved +102%.

Reported values rose +305% 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 $3,346,536. So the real change is +105%, not +305%.

33109: +305% since January 2000.

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

Florida: +245% since January 2000 — 33109 ran ahead of it by 60 points.

Against 1,098 Florida ZIP codes, 33109 sits at the 99th percentile for appreciation (recent value growth).

25th for rental yield (rent vs price).

Owning the typical home costs about $44,876 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $28,500 a month.

Price divided by a year's rent: 20.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33146 was worth $344,523.

Values peaked at $1,933,213 in August 2026. The latest reading is the peak.

As of August 2026: $1,933,213, +8.7% over twelve months.

Start with the typical home: $1,933,213. Put 20% down and borrow $1,546,570 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $10,708 a month in principal and interest.

The median household here earns $124,712 a year, $10,393 a month. So the payment takes 103.0% of income — more than the median household earns — 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 18.4% 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 $2,063.

In December 2020, with rates at 2.68%, it was $3,004.

By August 2026, at 6.67%, it was $9,946 — +231% since December 2020, while the home's value moved +108%.

Reported values rose +461% 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 $679,952. So the real change is +184%, not +461%.

33146: +461% since January 2000.

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

Florida: +245% since January 2000 — 33146 ran ahead of it by 216 points.

Against 1,098 Florida ZIP codes, 33146 sits at the 0th percentile for affordability (price vs local income).

100th for appreciation (recent value growth); 1st for rental yield (rent vs price).

Owning the typical home costs about $12,641 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,635 a month.

Price divided by a year's rent: 44.3. 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 3 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 31.

Going out — closed sales: about 1 a month. The drain is drawn 10% narrower: the share of homes for sale that sell each month is 90% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 23.3 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

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

The 2015–2019 level for the same month was 2 — so sales ran at 50% of it, and below it in 10 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 14 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 63.

Going out — closed sales: about 9 a month. The drain is drawn 15% narrower: the share of homes for sale that sell each month is 85% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.8 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 13 — so sales ran at 69% of it, and below it in 20 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: 31 in June 2026.

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

County assessor records list 716 properties with a market value here. Their average assessed market value is $5,773,914; the typical home value is $6,862,744.

The assessor average sits −15.9% 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: 63 in June 2026.

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

County assessor records list 4,467 properties with a market value here. Their average assessed market value is $1,530,973; the typical home value is $1,933,213.

The assessor average sits −20.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.