ZIP 33154 vs ZIP 33134

33154 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 4 of the 39 nearby ZIPs shown.

1 school location in 33154: 1 middle.

In alphabetical order: RUTH K. BROAD BAY HARBOR K-8 CENTER. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 33154 was worth $243,896.

Values peaked at $1,242,743 in August 2026. The latest reading is the peak.

As of August 2026: $1,242,743, +6.5% over twelve months.

Start with the typical home: $1,242,743. Put 20% down and borrow $994,194 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $6,884 a month in principal and interest.

The median household here earns $87,806 a year, $7,317 a month. So the payment takes 94.1% 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 18.5% 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 $1,460.

In December 2020, with rates at 2.68%, it was $2,389.

By August 2026, at 6.67%, it was $6,394 — +168% since December 2020, while the home's value moved +68%.

Reported values rose +410% 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 $481,354. So the real change is +158%, not +410%.

33154: +410% since January 2000.

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

Florida: +245% since January 2000 — 33154 ran ahead of it by 165 points.

Against 1,098 Florida ZIP codes, 33154 sits at the 0th percentile for affordability (price vs local income).

98th for appreciation (recent value growth); 12th for rental yield (rent vs price).

Owning the typical home costs about $8,126 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $4,835 a month.

Price divided by a year's rent: 21.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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 42 a month (Redfin, 3-month rolling data through August 2026). That is 67% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 279. That is 60% of the 2015–2019 level for the same months.

Going out — closed sales: about 38 a month. That is 128% of the 2015–2019 level for the same months.

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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 38 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 141% of it, and below it in 15 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 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).

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: 279 in June 2026.

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

County assessor records list 9,853 properties with a market value here. Their average assessed market value is $824,767; the typical home value is $1,242,743.

The assessor average sits −33.6% 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: 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.