ZIP 33432 vs ZIP 33496

33432 is one of 50 ZIP codes that lie mostly in Palm Beach County, FL.

Shaded by typical home value, it ranks 2 of the 40 nearby ZIPs shown.

3 school locations in 33432: 2 elementary, 1 middle.

In alphabetical order: BOCA RATON ELEMENTARY SCHOOL, SOMERSET ACADEMY BOCA EAST, SOMERSET ACADEMY BOCA MIDDLE SCHOOL. Locations only — no ratings are shown here.

33496 is one of 50 ZIP codes that lie mostly in Palm Beach County, FL.

Shaded by typical home value, it ranks 3 of the 40 nearby ZIPs shown.

4 school locations in 33496: 2 elementary, 1 middle, 1 high.

In alphabetical order: CALUSA ELEMENTARY SCHOOL, OMNI MIDDLE SCHOOL, SPANISH RIVER COMMUNITY HIGH SCHOOL, WHISPERING PINES ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33432 was worth $245,300.

Values peaked at $1,069,242 in August 2026. The latest reading is the peak.

As of August 2026: $1,069,242, +6.4% over twelve months.

Start with the typical home: $1,069,242. Put 20% down and borrow $855,394 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,923 a month in principal and interest.

The median household here earns $94,375 a year, $7,865 a month. So the payment takes 75.3% 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 17.3% 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 $1,469.

In December 2020, with rates at 2.68%, it was $2,254.

By August 2026, at 6.67%, it was $5,501 — +144% since December 2020, while the home's value moved +54%.

Reported values rose +336% 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 $484,125. So the real change is +121%, not +336%.

33432: +336% since January 2000.

Palm Beach County: +281% since January 2000.

Florida: +245% since January 2000 — 33432 ran ahead of it by 91 points.

Against 1,098 Florida ZIP codes, 33432 sits at the 0th percentile for affordability (price vs local income).

99th for appreciation (recent value growth); 6th for rental yield (rent vs price).

Owning the typical home costs about $6,992 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,121 a month.

Price divided by a year's rent: 28.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33496 was worth $297,212.

Values peaked at $1,053,347 in August 2026. The latest reading is the peak.

As of August 2026: $1,053,347, +13.2% over twelve months.

Start with the typical home: $1,053,347. Put 20% down and borrow $842,678 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,835 a month in principal and interest.

The median household here earns $111,754 a year, $9,313 a month. So the payment takes 62.7% 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 17.7% 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 $1,780.

In December 2020, with rates at 2.68%, it was $1,592.

By August 2026, at 6.67%, it was $5,419 — +240% since December 2020, while the home's value moved +114%.

Reported values rose +254% 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 $586,579. So the real change is +80%, not +254%.

33496: +254% since January 2000.

Palm Beach County: +281% since January 2000.

Florida: +245% since January 2000 — 33496 ran ahead of it by 9 points.

Against 1,098 Florida ZIP codes, 33496 sits at the 5th percentile for affordability (price vs local income).

100th for appreciation (recent value growth); 8th for rental yield (rent vs price).

Owning the typical home costs about $6,888 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,362 a month.

Price divided by a year's rent: 26.1. 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 64 a month (Redfin, 3-month rolling data through August 2026). That is 113% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 298. That is 94% of the 2015–2019 level for the same months.

Going out — closed sales: about 43 a month. That is 92% of the 2015–2019 level for the same months. The drain is drawn 1% narrower: the share of homes for sale that sell each month is 99% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.9 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 21 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 43 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 37 — so sales ran at 116% of it, and below it in 8 of the last 24 months.

Across Palm Beach County, builders pulled permits for 4,228 new homes in 2025.

Of those, 59% 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 61 a month (Redfin, 3-month rolling data through August 2026). That is 78% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 186. That is 48% of the 2015–2019 level for the same months.

Going out — closed sales: about 59 a month. That is 93% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.1 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 59 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 56 — so sales ran at 105% of it, and below it in 8 of the last 24 months.

Across Palm Beach County, builders pulled permits for 4,228 new homes in 2025.

Of those, 59% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Palm Beach County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,244 moved in. Among the ten receiving the most, 16,068 moved out.

Net across those counties: +176 households. Beside it, homes for sale in this ZIP: 298 in June 2026.

Most arrivals came from Broward, FL (7,488 households); most departures went to Broward, FL (5,681).

County assessor records list 88 properties with a market value here. Their average assessed market value is $709,400; the typical home value is $1,069,242.

The assessor average sits −33.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Palm Beach County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,244 moved in. Among the ten receiving the most, 16,068 moved out.

Net across those counties: +176 households. Beside it, homes for sale in this ZIP: 186 in June 2026.

Most arrivals came from Broward, FL (7,488 households); most departures went to Broward, FL (5,681).

County assessor records list 150 properties with a market value here. Their average assessed market value is $468,300; the typical home value is $1,053,347.

The assessor average sits −55.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.