ZIP 33478 vs ZIP 33412

33478 is one of 50 ZIP codes that lie mostly in Palm Beach County, FL — 82% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 40 nearby ZIPs shown.

1 school location in 33478: 1 elementary.

In alphabetical order: JUPITER FARMS ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

33412 is one of 50 ZIP codes that lie mostly in Palm Beach County, FL.

Shaded by typical home value, it ranks 6 of the 40 nearby ZIPs shown.

In January 2000 the typical home in 33478 was worth $188,076.

Values peaked at $890,395 in October 2024. The latest reading is −0.9% from that peak.

As of August 2026: $882,654, +3.1% over twelve months.

Start with the typical home: $882,654. Put 20% down and borrow $706,123 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,889 a month in principal and interest.

The median household here earns $142,109 a year, $11,842 a month. So the payment takes 41.3% 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 8.8% 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 $1,126.

In December 2020, with rates at 2.68%, it was $1,821.

By August 2026, at 6.67%, it was $4,541 — +149% since December 2020, while the home's value moved +57%.

Reported values rose +369% 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 $371,187. So the real change is +138%, not +369%.

33478: +369% since January 2000.

Palm Beach County: +281% since January 2000.

Florida: +245% since January 2000 — 33478 ran ahead of it by 124 points.

Against 1,098 Florida ZIP codes, 33478 sits at the 20th percentile for affordability (price vs local income).

93rd for appreciation (recent value growth); 99th for rental yield (rent vs price).

Owning the typical home costs about $5,772 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $5,300 a month.

Price divided by a year's rent: 13.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33412 was worth $211,820.

Values peaked at $843,923 in December 2024. The latest reading is −1.1% from that peak.

As of August 2026: $835,049, +2.1% over twelve months.

Start with the typical home: $835,049. Put 20% down and borrow $668,039 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,625 a month in principal and interest.

The median household here earns $134,818 a year, $11,235 a month. So the payment takes 41.2% 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 10.4% 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 $1,268.

In December 2020, with rates at 2.68%, it was $1,663.

By August 2026, at 6.67%, it was $4,296 — +158% since December 2020, while the home's value moved +63%.

Reported values rose +294% 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 $418,049. So the real change is +100%, not +294%.

33412: +294% since January 2000.

Palm Beach County: +281% since January 2000.

Florida: +245% since January 2000 — 33412 ran ahead of it by 49 points.

Against 1,098 Florida ZIP codes, 33412 sits at the 22nd percentile for affordability (price vs local income).

87th for appreciation (recent value growth); 60th for rental yield (rent vs price).

Owning the typical home costs about $5,460 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $4,729 a month.

Price divided by a year's rent: 14.7. 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 22 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 74.

Going out — closed sales: about 24 a month. That is 89% 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 sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 24 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 109% of it, and below it in 19 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 49 a month (Redfin, 3-month rolling data through August 2026). That is 124% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 206. That is 118% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 125% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.9 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 156% 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: 74 in June 2026.

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

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: 206 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 $615,700; the typical home value is $835,049.

The assessor average sits −26.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.