ZIP 34207 vs ZIP 34205

34207 is one of 19 ZIP codes that lie mostly in Manatee County, FL.

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

2 school locations in 34207: 1 elementary, 1 high.

In alphabetical order: BAYSHORE ELEMENTARY SCHOOL, STATE COLLEGE OF FLORIDA COLLEGIATE SCHOOL. Locations only — no ratings are shown here.

34205 is one of 19 ZIP codes that lie mostly in Manatee County, FL.

Shaded by typical home value, it ranks 18 of the 19 with a value.

8 school locations in 34205: 3 elementary, 2 middle, 3 high.

In alphabetical order: BALLARD ELEMENTARY SCHOOL, G D ROGERS GARDEN- BULLOCK ELEMENTARY, JUVENILE DETENTION CENTER, MANATEE HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34207 was worth $54,066.

Values peaked at $248,080 in March 2024. The latest reading is −16.5% from that peak.

As of August 2026: $207,138, −4.7% over twelve months.

Start with the typical home: $207,138. Put 20% down and borrow $165,710 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,147 a month in principal and interest.

The median household here earns $49,162 a year, $4,097 a month. So the payment takes 28.0% 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 7.3% 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 $324.

In December 2020, with rates at 2.68%, it was $488.

By August 2026, at 6.67%, it was $1,066 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +283% 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 $106,705. So the real change is +94%, not +283%.

34207: +283% since January 2000.

Manatee County: +209% since January 2000.

Florida: +245% since January 2000 — 34207 ran ahead of it by 38 points.

Owning the typical home costs about $1,354 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,488 a month.

Price divided by a year's rent: 11.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34205 was worth $69,568.

Values peaked at $302,800 in March 2024. The latest reading is −11.7% from that peak.

As of August 2026: $267,283, −1.8% over twelve months.

Start with the typical home: $267,283. Put 20% down and borrow $213,826 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,480 a month in principal and interest.

The median household here earns $51,170 a year, $4,264 a month. So the payment takes 34.7% 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 9.0% 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 $417.

In December 2020, with rates at 2.68%, it was $630.

By August 2026, at 6.67%, it was $1,375 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +284% 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 $137,300. So the real change is +95%, not +284%.

34205: +284% since January 2000.

Manatee County: +209% since January 2000.

Florida: +245% since January 2000 — 34205 ran ahead of it by 39 points.

Owning the typical home costs about $1,748 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,610 a month.

Price divided by a year's rent: 13.8. 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 32 a month (Redfin, 3-month rolling data through August 2026). That is 74% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 141.

Going out — closed sales: about 26 a month. That is 52% of the 2015–2019 level for the same months. The drain is drawn 57% narrower: the share of homes for sale that sell each month is 43% 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 43 — so sales ran at 60% 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 50 a month (Redfin, 3-month rolling data through August 2026). That is 96% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 195.

Going out — closed sales: about 35 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 56% narrower: the share of homes for sale that sell each month is 44% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.6 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 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 35 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 48 — so sales ran at 73% of it, and below it in 22 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: 141 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: 195 in June 2026.

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