ZIP 33538 vs ZIP 34785

33538 is one of 10 ZIP codes that lie mostly in Sumter County, FL.

Shaded by typical home value, it ranks 9 of the 9 with a value.

1 school location in 33538: 1 elementary.

In alphabetical order: LAKE PANASOFFKEE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34785 is one of 10 ZIP codes that lie mostly in Sumter County, FL.

Shaded by typical home value, it ranks 8 of the 9 with a value.

3 school locations in 34785: 1 elementary, 2 high.

In alphabetical order: SUMTER PREP ACADEMY, WILDWOOD ELEMENTARY SCHOOL, WILDWOOD MIDDLE/ HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33538 was worth $60,431.

Values peaked at $225,596 in January 2024. The latest reading is −5.9% from that peak.

As of August 2026: $212,387, −0.5% over twelve months.

Start with the typical home: $212,387. Put 20% down and borrow $169,910 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,176 a month in principal and interest.

The median household here earns $48,951 a year, $4,079 a month. So the payment takes 28.8% of income — rated “stretched” (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 8.2% 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 $362.

In December 2020, with rates at 2.68%, it was $521.

By August 2026, at 6.67%, it was $1,093 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +251% 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 $119,267. So the real change is +78%, not +251%.

33538: +252% since January 2000.

Sumter County: +207% since January 2000.

Florida: +245% since January 2000 — 33538 ran ahead of it by 7 points.

Owning the typical home costs about $1,389 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $949 a month.

Price divided by a year's rent: 18.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34785 was worth $100,239.

Values peaked at $290,533 in June 2024. The latest reading is −5.4% from that peak.

As of August 2026: $274,867, −0.8% over twelve months.

Start with the typical home: $274,867. Put 20% down and borrow $219,894 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,522 a month in principal and interest.

The median household here earns $48,004 a year, $4,000 a month. So the payment takes 38.1% 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 13.9% 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 $600.

In December 2020, with rates at 2.68%, it was $681.

By August 2026, at 6.67%, it was $1,414 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +174% 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 $197,832. So the real change is +39%, not +174%.

34785: +174% since January 2000.

Sumter County: +207% since January 2000.

Florida: +245% since January 2000 — 34785 ran behind it by 71 points.

Owning the typical home costs about $1,797 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,644 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.

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 63% of it, and below it in 20 of the last 24 months.

Across Sumter County, builders pulled permits for 3,516 new homes in 2025.

Of those, 88% 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 32 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 124.

Going out — closed sales: about 30 a month.

The ladder: homes for sale ÷ monthly sales = 4.1 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 30 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 14 — so sales ran at 214% of it, and below it in 1 of the last 24 months.

Across Sumter County, builders pulled permits for 3,516 new homes in 2025.

Of those, 88% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Sumter County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,364 moved in. Among the ten receiving the most, 1,991 moved out.

Net across those counties: +373 households. Beside it, homes for sale in this ZIP: 22 in June 2026.

Most arrivals came from Lake, FL (747 households); most departures went to Lake, FL (737).

This ZIP sits in Sumter County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,364 moved in. Among the ten receiving the most, 1,991 moved out.

Net across those counties: +373 households. Beside it, homes for sale in this ZIP: 124 in June 2026.

Most arrivals came from Lake, FL (747 households); most departures went to Lake, FL (737).