ZIP 33186 vs ZIP 33030

33186 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 28 of the 39 nearby ZIPs shown.

7 school locations in 33186: 3 elementary, 2 middle, 2 high.

In alphabetical order: ARVIDA MIDDLE SCHOOL, BRIDGEPREP ACADEMY OF VILLAGE GREEN, BRIDGEPREP ACADEMY OF VILLAGE GREEN MIDDLE HIGH SCHOOL, CALUSA ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33030 is one of 80 ZIP codes that lie mostly in Miami-Dade County, FL.

Shaded by typical home value, it ranks 29 of the 39 nearby ZIPs shown.

20 school locations in 33030: 6 elementary, 5 middle, 8 high, 1 other.

In alphabetical order: ACADEMIR CHARTER SCHOOL OF MATH AND SCIENCE, ACCELERATION ACADEMIES LLC HOMESTEAD, AVOCADO ELEMENTARY SCHOOL, CHAMBERS HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 33186 was worth $129,465.

Values peaked at $543,369 in October 2024. The latest reading is −4.0% from that peak.

As of August 2026: $521,705, −0.8% over twelve months.

Start with the typical home: $521,705. Put 20% down and borrow $417,364 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,890 a month in principal and interest.

The median household here earns $86,481 a year, $7,207 a month. So the payment takes 40.1% 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 10.0% 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 $775.

In December 2020, with rates at 2.68%, it was $1,119.

By August 2026, at 6.67%, it was $2,684 — +140% since December 2020, while the home's value moved +51%.

Reported values rose +303% 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 $255,513. So the real change is +104%, not +303%.

33186: +303% since January 2000.

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

Florida: +245% since January 2000 — 33186 ran ahead of it by 58 points.

Against 1,098 Florida ZIP codes, 33186 sits at the 22nd percentile for affordability (price vs local income).

46th for appreciation (recent value growth); 38th for rental yield (rent vs price).

Owning the typical home costs about $3,411 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,539 a month.

Price divided by a year's rent: 17.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33030 was worth $106,265.

Values peaked at $536,299 in February 2025. The latest reading is −3.0% from that peak.

As of August 2026: $520,048, −0.4% over twelve months.

Start with the typical home: $520,048. Put 20% down and borrow $416,038 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,881 a month in principal and interest.

The median household here earns $43,231 a year, $3,603 a month. So the payment takes 80.0% 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 16.3% 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 $636.

In December 2020, with rates at 2.68%, it was $1,014.

By August 2026, at 6.67%, it was $2,676 — +164% since December 2020, while the home's value moved +66%.

Reported values rose +389% 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 $209,725. So the real change is +148%, not +389%.

33030: +389% since January 2000.

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

Florida: +245% since January 2000 — 33030 ran ahead of it by 144 points.

Against 1,098 Florida ZIP codes, 33030 sits at the 0th percentile for affordability (price vs local income).

56th for appreciation (recent value growth); 25th for rental yield (rent vs price).

Owning the typical home costs about $3,401 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,475 a month.

Price divided by a year's rent: 17.5. 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 64 a month (Redfin, 3-month rolling data through August 2026). That is 63% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 191. That is 93% of the 2015–2019 level for the same months.

Going out — closed sales: about 55 a month. That is 61% of the 2015–2019 level for the same months. The drain is drawn 29% narrower: the share of homes for sale that sell each month is 71% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 55 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 77 — so sales ran at 71% 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 38 a month (Redfin, 3-month rolling data through August 2026). That is 112% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 164.

Going out — closed sales: about 20 a month. That is 71% of the 2015–2019 level for the same months. The drain is drawn 57% narrower: the share of homes for sale that sell each month is 43% 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 18 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 20 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 74% of it, and below it in 21 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: 191 in June 2026.

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

County assessor records list 24,532 properties with a market value here. Their average assessed market value is $404,294; the typical home value is $521,705.

The assessor average sits −22.5% 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: 164 in June 2026.

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

County assessor records list 6,197 properties with a market value here. Their average assessed market value is $376,681; the typical home value is $520,048.

The assessor average sits −27.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.