Lotvox market story · compare

ZIP 33872 vs ZIP 33852

ZIP 33872

Highlands County, FL

ZIP 33852

Highlands County, FL

1 of 4

Who's going to sell

Turnover Index not published for 33872 yet.

Where

33872 in Highlands County, FL

33825 · $206,43933852 · $239,28233857 · $255,41033870 · $202,77733872 · $253,42033875 · $279,39133876 · $261,91833960 · $383,059 33872
$203K$383K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

33872 is one of 8 ZIP codes that lie mostly in Highlands County, FL.

Shaded by typical home value, it ranks 5 of the 8 with a value.

Value rank in county
5 of 8

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 33872

2 school locations in 33872: 1 elementary, 1 high.

In alphabetical order: HILL-GUSTAT MIDDLE SCHOOL, SUN 'N LAKE 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)

Turnover Index not published for 33852 yet.

Where

33852 in Highlands County, FL

33825 · $206,43933852 · $239,28233857 · $255,41033870 · $202,77733872 · $253,42033875 · $279,39133876 · $261,91833960 · $383,059 33852
$203K$383K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

33852 is one of 8 ZIP codes that lie mostly in Highlands County, FL.

Shaded by typical home value, it ranks 6 of the 8 with a value.

Value rank in county
6 of 8

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 33852

4 school locations in 33852: 2 elementary, 2 high.

In alphabetical order: LAKE COUNTRY ELEMENTARY SCHOOL, LAKE PLACID ELEMENTARY SCHOOL, LAKE PLACID HIGH SCHOOL, LAKE PLACID MIDDLE SCHOOL. Locations only — no ratings are shown here.

School locations
4

Source: U.S. Department of Education, National Center for Education Statistics (school locations)

2 of 4

What it costs

Home values

What homes are worth in 33872

$0$100K$200K$300K200420082012201620202024Peak June 2024 · $267,992Latest · $253,420
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In January 2004 the typical home in 33872 was worth $100,745.

Values peaked at $267,992 in June 2024. The latest reading is −5.4% from that peak.

As of August 2026: $253,420, −2.4% over twelve months.

Typical home value
$253,420
12-month change
−2.4%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$253,420
Loan at 20% down
$202,736
30-year fixed rate
7.40%
Monthly principal + interest
$1,404
Median household income, per month
$5,674
Share of income
24.7%
0%30%60%
At today's rate, by home value, 2004–2026: 9.8% → 24.7%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: 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

Start with the typical home: $253,420. Put 20% down and borrow $202,736 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,404 a month in principal and interest.

The median household here earns $68,086 a year, $5,674 a month. So the payment takes 24.7% of income — rated “affordable” (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 9.8% in 2004.

Payment share of income
24.7%
Monthly P&I
$1,404

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

$0$500$1K$2K$2K2004200820122016202020242.68% rate · $5716.67% rate · $1,304
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: 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

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $468.

In December 2020, with rates at 2.68%, it was $571.

By August 2026, at 6.67%, it was $1,304 — +128% since December 2020, while the home's value moved +44%.

Payment change since 2020
+128%

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

$0$100K$200K$300K$400K200420082012201620202024
Home value (as reported)Prices in general (CPI-U), scaled to January 2004Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: 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.

Reported values rose +152% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $180,687. So the real change is +40%, not +152%.

Real change since 2004
+40%

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

33872 against its neighbors

0100200300400200420082012201620202024
33872 (2004 = 100)Highlands County (2004 = 100)Florida (2004 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

33872: +152% since January 2004.

Highlands County: +177% since January 2004.

Florida: +137% since January 2004 — 33872 ran ahead of it by 15 points.

Change since 2004
+152%

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

Own: payment + 1.2%/yr taxes & insurance
$1,657
principal + interest $1,404 · taxes & insurance est. $253
Rent: typical rent (ZORI)
$1,671
Price-to-rent ratio
12.6
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: 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)

Owning the typical home costs about $1,657 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,671 a month.

Price divided by a year's rent: 12.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
12.6

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)

Home values

What homes are worth in 33852

$0$100K$200K$300K200420082012201620202024Peak July 2024 · $249,437Latest · $239,282
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In January 2004 the typical home in 33852 was worth $89,887.

Values peaked at $249,437 in July 2024. The latest reading is −4.1% from that peak.

As of August 2026: $239,282, −1.6% over twelve months.

Typical home value
$239,282
12-month change
−1.6%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$239,282
Loan at 20% down
$191,426
30-year fixed rate
7.40%
Monthly principal + interest
$1,325
Median household income, per month
$4,570
Share of income
29.0%
0%30%60%
At today's rate, by home value, 2004–2026: 10.9% → 29.0%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: 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

Start with the typical home: $239,282. Put 20% down and borrow $191,426 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,325 a month in principal and interest.

The median household here earns $54,841 a year, $4,570 a month. So the payment takes 29.0% 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 10.9% in 2004.

Payment share of income
29.0%
Monthly P&I
$1,325

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

$0$500$1K$2K2004200820122016202020242.68% rate · $5196.67% rate · $1,231
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: 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

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $418.

In December 2020, with rates at 2.68%, it was $519.

By August 2026, at 6.67%, it was $1,231 — +137% since December 2020, while the home's value moved +49%.

Payment change since 2020
+137%

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

$0$100K$200K$300K200420082012201620202024
Home value (as reported)Prices in general (CPI-U), scaled to January 2004Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: 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.

Reported values rose +166% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $161,213. So the real change is +48%, not +166%.

Real change since 2004
+48%

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

33852 against its neighbors

0100200300400200420082012201620202024
33852 (2004 = 100)Highlands County (2004 = 100)Florida (2004 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

33852: +166% since January 2004.

Highlands County: +177% since January 2004.

Florida: +137% since January 2004 — 33852 ran ahead of it by 29 points.

Change since 2004
+166%

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

Own: payment + 1.2%/yr taxes & insurance
$1,565
principal + interest $1,325 · taxes & insurance est. $240
Rent: typical rent (ZORI)
$1,503
Price-to-rent ratio
13.3
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: 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)

Owning the typical home costs about $1,565 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,503 a month.

Price divided by a year's rent: 13.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
13.3

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)

3 of 4

What's moving

Housing pulse

Listings Flow Ladder

per month / homes for sale2024-092026-08balanced 4–6 mo5.7 mo5.7 months of supplyNet +14 / month · inventory growing
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

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 51 a month (Redfin, 3-month rolling data through August 2026). That is 186% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 212.

Going out — closed sales: about 37 a month. That is 139% of the 2015–2019 level for the same months. The drain is drawn 42% narrower: the share of homes for sale that sell each month is 58% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.7 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Months of supply
5.7

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Housing pulse

Sales pace vs. normal

01020304020252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — so sales ran at 161% of it, and below it in 1 of the last 24 months.

Sales vs 2015–19 level
161%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

05001,0001,5002022663202371220249802025768
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Across Highlands County, builders pulled permits for 768 new homes in 2025.

Of those, 92% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Units permitted 2025
768

Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Housing pulse

Listings Flow Ladder

per month / homes for sale2024-092026-08balanced 4–6 mo5.4 mo5.4 months of supplyNet +7 / month · inventory growing
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

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 45 a month (Redfin, 3-month rolling data through August 2026). That is 95% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 204. That is 107% of the 2015–2019 level for the same months.

Going out — closed sales: about 38 a month. That is 77% of the 2015–2019 level for the same months. The drain is drawn 30% narrower: the share of homes for sale that sell each month is 70% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.4 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.

Months of supply
5.4

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Housing pulse

Sales pace vs. normal

020406020252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 38 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 41 — so sales ran at 93% of it, and below it in 22 of the last 24 months.

Sales vs 2015–19 level
93%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

05001,0001,5002022663202371220249802025768
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Across Highlands County, builders pulled permits for 768 new homes in 2025.

Of those, 92% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Units permitted 2025
768

Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

4 of 4

Who's holding, who's leaving

Housing pulse

Migration and inventory

Moved in (top-10 origin counties)
1,431
Moved out (top-10 destination counties)
872
Net households
+559
Top origins
Polk, FL306
Miami-Dade, FL236
Broward, FL212
Top destinations
Polk, FL304
Hillsborough, FL82
Orange, FL82
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

This ZIP sits in Highlands County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,431 moved in. Among the ten receiving the most, 872 moved out.

Net across those counties: +559 households. Beside it, homes for sale in this ZIP: 212 in June 2026.

Most arrivals came from Polk, FL (306 households); most departures went to Polk, FL (304).

Net households (top-10 flows)
+559

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

Moved in (top-10 origin counties)
1,431
Moved out (top-10 destination counties)
872
Net households
+559
Top origins
Polk, FL306
Miami-Dade, FL236
Broward, FL212
Top destinations
Polk, FL304
Hillsborough, FL82
Orange, FL82
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

This ZIP sits in Highlands County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,431 moved in. Among the ten receiving the most, 872 moved out.

Net across those counties: +559 households. Beside it, homes for sale in this ZIP: 204 in June 2026.

Most arrivals came from Polk, FL (306 households); most departures went to Polk, FL (304).

Net households (top-10 flows)
+559

Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

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