ZIP 33134 vs ZIP 33145

33134 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 8 of the 39 nearby ZIPs shown.

2 school locations in 33134: 2 middle.

In alphabetical order: CORAL GABLES PREPARATORY ACADEMY, SOMERSET GABLES ACADEMY. Locations only — no ratings are shown here.

33145 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 11 of the 39 nearby ZIPs shown.

2 school locations in 33145: 2 middle.

In alphabetical order: CORAL WAY K-8 CENTER, SHENANDOAH MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33134 was worth $199,635.

Values peaked at $888,248 in November 2024. The latest reading is −0.6% from that peak.

As of August 2026: $883,278, +2.7% over twelve months.

Start with the typical home: $883,278. Put 20% down and borrow $706,622 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,893 a month in principal and interest.

The median household here earns $92,009 a year, $7,667 a month. So the payment takes 63.8% 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 14.4% 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 $1,195.

In December 2020, with rates at 2.68%, it was $1,726.

By August 2026, at 6.67%, it was $4,544 — +163% since December 2020, while the home's value moved +66%.

Reported values rose +342% 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 $394,000. So the real change is +124%, not +342%.

33134: +342% since January 2000.

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

Florida: +245% since January 2000 — 33134 ran ahead of it by 97 points.

Against 1,098 Florida ZIP codes, 33134 sits at the 4th percentile for affordability (price vs local income).

90th for appreciation (recent value growth); 12th for rental yield (rent vs price).

Owning the typical home costs about $5,776 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,987 a month.

Price divided by a year's rent: 24.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33145 was worth $138,293.

Values peaked at $735,449 in August 2026. The latest reading is the peak.

As of August 2026: $735,449, +5.8% over twelve months.

Start with the typical home: $735,449. Put 20% down and borrow $588,359 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,074 a month in principal and interest.

The median household here earns $70,592 a year, $5,883 a month. So the payment takes 69.2% 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 13.0% 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 $828.

In December 2020, with rates at 2.68%, it was $1,439.

By August 2026, at 6.67%, it was $3,784 — +163% since December 2020, while the home's value moved +65%.

Reported values rose +432% 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 $272,935. So the real change is +169%, not +432%.

33145: +432% since January 2000.

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

Florida: +245% since January 2000 — 33145 ran ahead of it by 187 points.

Against 1,098 Florida ZIP codes, 33145 sits at the 0th percentile for affordability (price vs local income).

98th for appreciation (recent value growth); 18th for rental yield (rent vs price).

Owning the typical home costs about $4,809 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,962 a month.

Price divided by a year's rent: 20.7. 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 50 a month (Redfin, 3-month rolling data through August 2026). That is 69% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 193. That is 61% of the 2015–2019 level for the same months.

Going out — closed sales: about 40 a month. That is 83% 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 46 — so sales ran at 87% 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 35 a month (Redfin, 3-month rolling data through August 2026). That is 92% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 135.

Going out — closed sales: about 25 a month. That is 89% of the 2015–2019 level for the same months. The drain is drawn 8% narrower: the share of homes for sale that sell each month is 92% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.4 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 25 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 93% of it, and below it in 23 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: 193 in June 2026.

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

County assessor records list 12,335 properties with a market value here. Their average assessed market value is $648,138; the typical home value is $883,278.

The assessor average sits −26.6% 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: 135 in June 2026.

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

County assessor records list 6,731 properties with a market value here. Their average assessed market value is $609,029; the typical home value is $735,449.

The assessor average sits −17.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.