ZIP 33931 vs ZIP 33928

33931 is one of 34 ZIP codes that lie mostly in Lee County, FL.

Shaded by typical home value, it ranks 5 of the 33 with a value.

1 school location in 33931: 1 elementary.

In alphabetical order: FORT MYERS BEACH ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

33928 is one of 34 ZIP codes that lie mostly in Lee County, FL.

Shaded by typical home value, it ranks 6 of the 33 with a value.

2 school locations in 33928: 1 elementary, 1 high.

In alphabetical order: ESTERO HIGH SCHOOL, PINEWOODS ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33931 was worth $188,113.

Values peaked at $703,263 in August 2022. The latest reading is −30.8% from that peak.

As of August 2026: $486,696, −1.0% over twelve months.

Start with the typical home: $486,696. Put 20% down and borrow $389,357 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,696 a month in principal and interest.

The median household here earns $80,438 a year, $6,703 a month. So the payment takes 40.2% 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 15.5% 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 $1,443.

By August 2026, at 6.67%, it was $2,504 — +74% since December 2020, while the home's value moved +9%.

Reported values rose +159% 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 $371,260. So the real change is +31%, not +159%.

33931: +159% since January 2000.

Lee County: +160% since January 2000.

Florida: +245% since January 2000 — 33931 ran behind it by 86 points.

Owning the typical home costs about $3,183 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,525 a month.

Price divided by a year's rent: 11.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33928 was worth $232,435.

Values peaked at $550,630 in August 2023. The latest reading is −14.2% from that peak.

As of August 2026: $472,249, −3.6% over twelve months.

Start with the typical home: $472,249. Put 20% down and borrow $377,799 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,616 a month in principal and interest.

The median household here earns $100,264 a year, $8,355 a month. So the payment takes 31.3% 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 15.4% 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 $1,392.

In December 2020, with rates at 2.68%, it was $1,087.

By August 2026, at 6.67%, it was $2,430 — +123% since December 2020, while the home's value moved +41%.

Reported values rose +103% 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 $458,734. So the real change is +3%, not +103%.

33928: +103% since January 2000.

Lee County: +160% since January 2000.

Florida: +245% since January 2000 — 33928 ran behind it by 142 points.

Owning the typical home costs about $3,088 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,508 a month.

Price divided by a year's rent: 15.7. 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 41 a month (Redfin, 3-month rolling data through August 2026). That is 110% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 317. That is 138% of the 2015–2019 level for the same months.

Going out — closed sales: about 31 a month. That is 82% of the 2015–2019 level for the same months. The drain is drawn 35% narrower: the share of homes for sale that sell each month is 65% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 10.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 28 — so sales ran at 111% of it, and below it in 21 of the last 24 months.

Across Lee County, builders pulled permits for 13,547 new homes in 2025.

Of those, 74% 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 80 a month (Redfin, 3-month rolling data through August 2026). That is 106% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 283. That is 85% of the 2015–2019 level for the same months.

Going out — closed sales: about 85 a month. That is 108% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.3 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 5 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 85 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 73 — so sales ran at 116% of it, and below it in 9 of the last 24 months.

Across Lee County, builders pulled permits for 13,547 new homes in 2025.

Of those, 74% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Lee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,684 moved in. Among the ten receiving the most, 6,967 moved out.

Net across those counties: +1,717 households. Beside it, homes for sale in this ZIP: 317 in June 2026.

Most arrivals came from Collier, FL (2,781 households); most departures went to Collier, FL (1,925).

This ZIP sits in Lee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,684 moved in. Among the ten receiving the most, 6,967 moved out.

Net across those counties: +1,717 households. Beside it, homes for sale in this ZIP: 283 in June 2026.

Most arrivals came from Collier, FL (2,781 households); most departures went to Collier, FL (1,925).

County assessor records list 63 properties with a market value here. Their average assessed market value is $472,800; the typical home value is $472,249.

The assessor average sits +0.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.