Lotvox market story · compare
ZIP 33872 vs ZIP 33852
1 of 4
Who's going to sell
Turnover Index not published for 33872 yet.
Where
33872 in Highlands County, FL
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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