ZIP 33981 vs ZIP 33955

33981 is one of 13 ZIP codes that lie mostly in Charlotte County, FL.

Shaded by typical home value, it ranks 5 of the 13 with a value.

1 school location in 33981: 1 elementary.

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

33955 is one of 13 ZIP codes that lie mostly in Charlotte County, FL — 98% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 13 with a value.

In January 2000 the typical home in 33981 was worth $94,546.

Values peaked at $445,633 in August 2022. The latest reading is −23.6% from that peak.

As of August 2026: $340,586, −5.0% over twelve months.

Start with the typical home: $340,586. Put 20% down and borrow $272,469 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,887 a month in principal and interest.

The median household here earns $71,266 a year, $5,939 a month. So the payment takes 31.8% 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 8.8% 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 $566.

In December 2020, with rates at 2.68%, it was $896.

By August 2026, at 6.67%, it was $1,752 — +96% since December 2020, while the home's value moved +23%.

Reported values rose +260% 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 $186,596. So the real change is +83%, not +260%.

33981: +260% since January 2000.

Charlotte County: +235% since January 2000.

Florida: +245% since January 2000 — 33981 ran ahead of it by 15 points.

Owning the typical home costs about $2,227 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,082 a month.

Price divided by a year's rent: 13.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33955 was worth $130,144.

Values peaked at $415,686 in August 2022. The latest reading is −21.8% from that peak.

As of August 2026: $324,887, −5.3% over twelve months.

Start with the typical home: $324,887. Put 20% down and borrow $259,910 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,800 a month in principal and interest.

The median household here earns $76,733 a year, $6,394 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 11.3% 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 $779.

In December 2020, with rates at 2.68%, it was $861.

By August 2026, at 6.67%, it was $1,671 — +94% since December 2020, while the home's value moved +22%.

Reported values rose +150% 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 $256,853. So the real change is +26%, not +150%.

33955: +150% since January 2000.

Charlotte County: +235% since January 2000.

Florida: +245% since January 2000 — 33955 ran behind it by 95 points.

Owning the typical home costs about $2,124 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,097 a month.

Price divided by a year's rent: 12.9. 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 64 a month (Redfin, 3-month rolling data through August 2026). That is 51% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 343. That is 40% of the 2015–2019 level for the same months.

Going out — closed sales: about 56 a month. That is 62% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 6.2 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 56 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 88 — so sales ran at 64% 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 73 a month (Redfin, 3-month rolling data through August 2026). That is 129% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 315. That is 84% of the 2015–2019 level for the same months.

Going out — closed sales: about 68 a month. That is 134% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.7 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 68 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 43 — so sales ran at 158% of it, and below it in 12 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: 343 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: 315 in June 2026.

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