Lotvox market story · compare
ZIP 33865 vs ZIP 33890
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Who's going to sell
Turnover Index not published for 33865 yet.
Where
33865 in Hardee County, FL
33865 is one of 4 ZIP codes that lie mostly in Hardee County, FL — 97% of its own area is in the county.
Shaded by typical home value, it ranks 1 of the 4 with a value.
- Value rank in county
- 1 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 33890 yet.
Where
33890 in Hardee County, FL
33890 is one of 4 ZIP codes that lie mostly in Hardee County, FL.
Shaded by typical home value, it ranks 2 of the 4 with a value.
- Value rank in county
- 2 of 4
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 33890
2 school locations in 33890: 1 elementary, 1 high.
In alphabetical order: PIONEER CAREER ACADEMY, ZOLFO SPRINGS ELEMENTARY SCHOOL. Locations only — no ratings are shown here.
- School locations
- 2
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 33865
In February 2018 the typical home in 33865 was worth $218,306.
Values peaked at $429,360 in August 2026. The latest reading is the peak.
As of August 2026: $429,360, +6.0% over twelve months.
- Typical home value
- $429,360
- 12-month change
- +6.0%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $429,360. Put 20% down and borrow $343,488 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,378 a month in principal and interest.
The median household here earns $62,188 a year, $5,182 a month. So the payment takes 45.9% 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 23.3% in 2018.
- Payment share of income
- 45.9%
- Monthly P&I
- $2,378
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2018 (4.33%) the payment was $867.
In December 2020, with rates at 2.68%, it was $854.
By August 2026, at 6.67%, it was $2,209 — +159% since December 2020, while the home's value moved +63%.
- Payment change since 2020
- +159%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +97% since February 2018.
General prices (CPI-U) rose +34% over the same span.
Divide one by the other: in August 2026 dollars, the 2018 home was worth $292,322. So the real change is +47%, not +97%.
- Real change since 2018
- +47%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
33865 against its neighbors
33865: +97% since February 2018.
Hardee County: +106% since February 2018.
Florida: +65% since February 2018 — 33865 ran ahead of it by 32 points.
- Change since 2018
- +97%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,808 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $962 a month.
Price divided by a year's rent: 37.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 37.2
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 33890
In January 2000 the typical home in 33890 was worth $87,727.
Values peaked at $297,490 in May 2026. The latest reading is −0.4% from that peak.
As of August 2026: $296,195, +3.1% over twelve months.
- Typical home value
- $296,195
- 12-month change
- +3.1%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $296,195. Put 20% down and borrow $236,956 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,641 a month in principal and interest.
The median household here earns $70,179 a year, $5,848 a month. So the payment takes 28.1% 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 8.3% in 2000.
- Payment share of income
- 28.1%
- Monthly P&I
- $1,641
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $525.
In December 2020, with rates at 2.68%, it was $595.
By August 2026, at 6.67%, it was $1,524 — +156% since December 2020, while the home's value moved +61%.
- Payment change since 2020
- +156%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +238% 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 $173,138. So the real change is +71%, not +238%.
- Real change since 2000
- +71%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
33890 against its neighbors
33890: +238% since January 2000.
Hardee County: +276% since January 2000.
Florida: +245% since January 2000 — 33890 ran behind it by 7 points.
- Change since 2000
- +238%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,937 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $856 a month.
Price divided by a year's rent: 28.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 28.8
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 0 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 11 of the last 24 months.
- Sales vs 2015–19 level
- NaN%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Hardee County, builders pulled permits for 104 new homes in 2025.
Of those, 83% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 104
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 200% of it, and below it in 9 of the last 24 months.
- Sales vs 2015–19 level
- 200%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Hardee County, builders pulled permits for 104 new homes in 2025.
Of those, 83% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 104
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Hardee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 307 moved in. Among the ten receiving the most, 322 moved out.
Net across those counties: −15 households. Beside it, homes for sale in this ZIP: 1 in June 2026.
Most arrivals came from Polk, FL (112 households); most departures went to Polk, FL (141).
- Net households (top-10 flows)
- −15
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
This ZIP sits in Hardee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 307 moved in. Among the ten receiving the most, 322 moved out.
Net across those counties: −15 households. Beside it, homes for sale in this ZIP: 7 in June 2026.
Most arrivals came from Polk, FL (112 households); most departures went to Polk, FL (141).
- Net households (top-10 flows)
- −15
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01