ZIP 34275 vs ZIP 34238

34275 is one of 24 ZIP codes that lie mostly in Sarasota County, FL.

Shaded by typical home value, it ranks 7 of the 24 with a value.

1 school location in 34275: 1 middle.

In alphabetical order: LAUREL NOKOMIS SCHOOL. Locations only — no ratings are shown here.

34238 is one of 24 ZIP codes that lie mostly in Sarasota County, FL.

Shaded by typical home value, it ranks 8 of the 24 with a value.

1 school location in 34238: 1 middle.

In alphabetical order: IMAGINE SCHOOL AT PALMER RANCH. Locations only — no ratings are shown here.

In January 2000 the typical home in 34275 was worth $173,358.

Values peaked at $608,541 in August 2022. The latest reading is −18.2% from that peak.

As of August 2026: $497,588, −3.5% over twelve months.

Start with the typical home: $497,588. Put 20% down and borrow $398,070 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,756 a month in principal and interest.

The median household here earns $84,503 a year, $7,042 a month. So the payment takes 39.1% 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 13.6% 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 $1,038.

In December 2020, with rates at 2.68%, it was $1,220.

By August 2026, at 6.67%, it was $2,560 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +187% 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 $342,140. So the real change is +45%, not +187%.

34275: +187% since January 2000.

Sarasota County: +195% since January 2000.

Florida: +245% since January 2000 — 34275 ran behind it by 58 points.

Owning the typical home costs about $3,254 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,068 a month.

Price divided by a year's rent: 20.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34238 was worth $201,098.

Values peaked at $596,246 in August 2022. The latest reading is −17.0% from that peak.

As of August 2026: $494,972, −3.8% over twelve months.

Start with the typical home: $494,972. Put 20% down and borrow $395,978 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,742 a month in principal and interest.

The median household here earns $94,583 a year, $7,882 a month. So the payment takes 34.8% 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 14.1% 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 $1,204.

In December 2020, with rates at 2.68%, it was $1,232.

By August 2026, at 6.67%, it was $2,546 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +146% 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 $396,888. So the real change is +25%, not +146%.

34238: +146% since January 2000.

Sarasota County: +195% since January 2000.

Florida: +245% since January 2000 — 34238 ran behind it by 99 points.

Owning the typical home costs about $3,237 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,999 a month.

Price divided by a year's rent: 20.6. 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 77 a month (Redfin, 3-month rolling data through August 2026). That is 141% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 286. That is 128% of the 2015–2019 level for the same months.

Going out — closed sales: about 92 a month. That is 166% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.1 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 14 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 92 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 48 — so sales ran at 192% of it, and below it in 0 of the last 24 months.

Across Sarasota County, builders pulled permits for 6,627 new homes in 2025.

Of those, 65% 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 57 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 238. That is 90% of the 2015–2019 level for the same months.

Going out — closed sales: about 65 a month. That is 106% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.6 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 8 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 65 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 54 — so sales ran at 120% of it, and below it in 18 of the last 24 months.

Across Sarasota County, builders pulled permits for 6,627 new homes in 2025.

Of those, 65% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Sarasota County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,042 moved in. Among the ten receiving the most, 6,574 moved out.

Net across those counties: −532 households. Beside it, homes for sale in this ZIP: 286 in June 2026.

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

This ZIP sits in Sarasota County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,042 moved in. Among the ten receiving the most, 6,574 moved out.

Net across those counties: −532 households. Beside it, homes for sale in this ZIP: 238 in June 2026.

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

County assessor records list 53 properties with a market value here. Their average assessed market value is $378,300; the typical home value is $494,972.

The assessor average sits −23.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.