ZIP 33954 vs ZIP 34224

33954 is one of 13 ZIP codes that lie mostly in Charlotte County, FL.

Shaded by typical home value, it ranks 9 of the 13 with a value.

1 school location in 33954: 1 elementary.

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

34224 is one of 13 ZIP codes that lie mostly in Charlotte County, FL — 94% of its own area is in the county.

Shaded by typical home value, it ranks 10 of the 13 with a value.

1 school location in 34224: 1 high.

In alphabetical order: LEMON BAY HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33954 was worth $83,960.

Values peaked at $372,569 in August 2022. The latest reading is −19.6% from that peak.

As of August 2026: $299,399, −3.0% over twelve months.

Start with the typical home: $299,399. Put 20% down and borrow $239,519 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,658 a month in principal and interest.

The median household here earns $83,081 a year, $6,923 a month. So the payment takes 24.0% 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 6.7% 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 $503.

In December 2020, with rates at 2.68%, it was $764.

By August 2026, at 6.67%, it was $1,540 — +102% since December 2020, while the home's value moved +27%.

Reported values rose +257% 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 $165,704. So the real change is +81%, not +257%.

33954: +257% since January 2000.

Charlotte County: +235% since January 2000.

Florida: +245% since January 2000 — 33954 ran ahead of it by 12 points.

Owning the typical home costs about $1,958 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,726 a month.

Price divided by a year's rent: 14.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34224 was worth $81,987.

Values peaked at $379,440 in August 2022. The latest reading is −26.9% from that peak.

As of August 2026: $277,492, −6.0% over twelve months.

Start with the typical home: $277,492. Put 20% down and borrow $221,994 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,537 a month in principal and interest.

The median household here earns $56,862 a year, $4,739 a month. So the payment takes 32.4% 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 9.6% 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 $491.

In December 2020, with rates at 2.68%, it was $760.

By August 2026, at 6.67%, it was $1,428 — +88% since December 2020, while the home's value moved +18%.

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 $161,810. So the real change is +71%, not +238%.

34224: +239% since January 2000.

Charlotte County: +235% since January 2000.

Florida: +245% since January 2000 — 34224 ran behind it by 7 points.

Owning the typical home costs about $1,815 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,617 a month.

Price divided by a year's rent: 14.3. 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 33 a month (Redfin, 3-month rolling data through August 2026). That is 63% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 118. That is 48% of the 2015–2019 level for the same months.

Going out — closed sales: about 30 a month. That is 81% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.9 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 3 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 37 — so sales ran at 81% of it, and below it in 24 of the last 24 months.

Across Charlotte County, builders pulled permits for 3,015 new homes in 2025.

Of those, 85% 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 42 a month (Redfin, 3-month rolling data through August 2026). That is 82% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 168. That is 75% of the 2015–2019 level for the same months.

Going out — closed sales: about 41 a month. That is 74% of the 2015–2019 level for the same months. The drain is drawn 1% narrower: the share of homes for sale that sell each month is 99% of its 2015–2019 level.

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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 41 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 50 — so sales ran at 82% of it, and below it in 24 of the last 24 months.

Across Charlotte County, builders pulled permits for 3,015 new homes in 2025.

Of those, 85% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Charlotte County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,548 moved in. Among the ten receiving the most, 2,789 moved out.

Net across those counties: +759 households. Beside it, homes for sale in this ZIP: 118 in June 2026.

Most arrivals came from Sarasota, FL (1,408 households); most departures went to Sarasota, FL (1,268).

This ZIP sits in Charlotte County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,548 moved in. Among the ten receiving the most, 2,789 moved out.

Net across those counties: +759 households. Beside it, homes for sale in this ZIP: 168 in June 2026.

Most arrivals came from Sarasota, FL (1,408 households); most departures went to Sarasota, FL (1,268).