ZIP 34203 vs ZIP 34221

34203 is one of 19 ZIP codes that lie mostly in Manatee County, FL.

Shaded by typical home value, it ranks 14 of the 19 with a value.

10 school locations in 34203: 4 elementary, 2 middle, 4 high.

In alphabetical order: ACCESS TO EDUCATION, AMIKIDS MANATEE, BLANCHE H. DAUGHTREY ELEMENTARY, BRADEN RIVER HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

34221 is one of 19 ZIP codes that lie mostly in Manatee County, FL.

Shaded by typical home value, it ranks 15 of the 19 with a value.

16 school locations in 34221: 4 elementary, 6 middle, 5 high, 1 other.

In alphabetical order: BLACKBURN ELEMENTARY SCHOOL, BUFFALO CREEK MIDDLE SCHOOL, HOLA! ELEMENTARY @ MSA, IMAGINE CHARTER SCHOOL AT NORTH MANATEE, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34203 was worth $122,087.

Values peaked at $434,224 in August 2022. The latest reading is −14.7% from that peak.

As of August 2026: $370,198, −3.8% over twelve months.

Start with the typical home: $370,198. Put 20% down and borrow $296,158 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,051 a month in principal and interest.

The median household here earns $68,030 a year, $5,669 a month. So the payment takes 36.2% 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 11.9% 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 $731.

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

By August 2026, at 6.67%, it was $1,905 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +203% 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 $240,951. So the real change is +54%, not +203%.

34203: +203% since January 2000.

Manatee County: +209% since January 2000.

Florida: +245% since January 2000 — 34203 ran behind it by 42 points.

Owning the typical home costs about $2,421 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,451 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.

In January 2000 the typical home in 34221 was worth $113,215.

Values peaked at $416,810 in August 2022. The latest reading is −15.5% from that peak.

As of August 2026: $352,197, −3.4% over twelve months.

Start with the typical home: $352,197. Put 20% down and borrow $281,758 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,951 a month in principal and interest.

The median household here earns $74,314 a year, $6,193 a month. So the payment takes 31.5% 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 10.1% 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 $678.

In December 2020, with rates at 2.68%, it was $878.

By August 2026, at 6.67%, it was $1,812 — +106% since December 2020, while the home's value moved +30%.

Reported values rose +211% 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 $223,441. So the real change is +58%, not +211%.

34221: +211% since January 2000.

Manatee County: +209% since January 2000.

Florida: +245% since January 2000 — 34221 ran behind it by 34 points.

Owning the typical home costs about $2,303 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,231 a month.

Price divided by a year's rent: 13.2. 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 48 a month (Redfin, 3-month rolling data through August 2026). That is 68% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 172. That is 85% of the 2015–2019 level for the same months.

Going out — closed sales: about 49 a month. That is 65% of the 2015–2019 level for the same months. The drain is drawn 23% narrower: the share of homes for sale that sell each month is 77% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 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 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 49 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 64 — so sales ran at 77% of it, and below it in 24 of the last 24 months.

Across Manatee County, builders pulled permits for 11,015 new homes in 2025.

Of those, 64% 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 118 a month (Redfin, 3-month rolling data through August 2026). That is 142% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 474. That is 188% of the 2015–2019 level for the same months.

Going out — closed sales: about 100 a month. That is 121% of the 2015–2019 level for the same months. The drain is drawn 34% narrower: the share of homes for sale that sell each month is 66% of its 2015–2019 level.

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

Homes sold: about 100 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 76 — so sales ran at 132% of it, and below it in 3 of the last 24 months.

Across Manatee County, builders pulled permits for 11,015 new homes in 2025.

Of those, 64% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Manatee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,962 moved in. Among the ten receiving the most, 5,634 moved out.

Net across those counties: +1,328 households. Beside it, homes for sale in this ZIP: 172 in June 2026.

Most arrivals came from Sarasota, FL (3,150 households); most departures went to Sarasota, FL (2,429).

This ZIP sits in Manatee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,962 moved in. Among the ten receiving the most, 5,634 moved out.

Net across those counties: +1,328 households. Beside it, homes for sale in this ZIP: 474 in June 2026.

Most arrivals came from Sarasota, FL (3,150 households); most departures went to Sarasota, FL (2,429).