ZIP 34431 vs ZIP 34473

34431 is one of 29 ZIP codes that lie mostly in Marion County, FL — 55% of its own area is in the county.

Shaded by typical home value, it ranks 15 of the 24 with a value.

2 school locations in 34431: 1 elementary, 1 middle.

In alphabetical order: DUNNELLON MIDDLE SCHOOL, ROMEO ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34473 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 16 of the 24 with a value.

3 school locations in 34473: 2 elementary, 1 middle.

In alphabetical order: HORIZON ACADEMY AT MARION OAKS, MARION OAKS ELEMENTARY SCHOOL, SUNRISE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34431 was worth $70,177.

Values peaked at $273,399 in February 2025. The latest reading is −3.0% from that peak.

As of August 2026: $265,253, −1.2% over twelve months.

Start with the typical home: $265,253. Put 20% down and borrow $212,202 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,469 a month in principal and interest.

The median household here earns $51,542 a year, $4,295 a month. So the payment takes 34.2% 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 9.1% 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 $420.

In December 2020, with rates at 2.68%, it was $558.

By August 2026, at 6.67%, it was $1,365 — +145% since December 2020, while the home's value moved +54%.

Reported values rose +278% 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 $138,502. So the real change is +92%, not +278%.

34431: +190% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34431 ran ahead of it by 53 points.

Owning the typical home costs about $1,734 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,625 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 2004 the typical home in 34473 was worth $107,110.

Values peaked at $284,527 in October 2022. The latest reading is −7.0% from that peak.

As of August 2026: $264,676, −2.8% over twelve months.

Start with the typical home: $264,676. Put 20% down and borrow $211,741 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,466 a month in principal and interest.

The median household here earns $70,559 a year, $5,880 a month. So the payment takes 24.9% 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 10.1% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $498.

In December 2020, with rates at 2.68%, it was $591.

By August 2026, at 6.67%, it was $1,362 — +130% since December 2020, while the home's value moved +45%.

Reported values rose +147% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $192,103. So the real change is +38%, not +147%.

34473: +147% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34473 ran ahead of it by 10 points.

Owning the typical home costs about $1,731 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,729 a month.

Price divided by a year's rent: 12.8. 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 48 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 147.

Going out — closed sales: about 34 a month.

The ladder: homes for sale ÷ monthly sales = 4.3 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 34 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 213% of it, and below it in 0 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% 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 147 a month (Redfin, 3-month rolling data through August 2026). That is 202% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 533. That is 167% of the 2015–2019 level for the same months.

Going out — closed sales: about 138 a month. That is 277% 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 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 138 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 46 — so sales ran at 300% of it, and below it in 0 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 147 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 533 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).