ZIP 34474 vs ZIP 34480

34474 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 6 of the 24 with a value.

3 school locations in 34474: 2 elementary, 1 middle.

In alphabetical order: COLLEGE PARK ELEMENTARY SCHOOL, INA A.COLEN ACADEMY, SADDLEWOOD ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34480 is one of 29 ZIP codes that lie mostly in Marion County, FL.

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

2 school locations in 34480: 1 elementary, 1 high.

In alphabetical order: FOREST HIGH SCHOOL, LEGACY ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2004 the typical home in 34474 was worth $147,407.

Values peaked at $339,133 in October 2022. The latest reading is −8.3% from that peak.

As of August 2026: $310,995, −1.9% over twelve months.

Start with the typical home: $310,995. Put 20% down and borrow $248,796 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,723 a month in principal and interest.

The median household here earns $62,150 a year, $5,179 a month. So the payment takes 33.3% 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 15.8% 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 $685.

In December 2020, with rates at 2.68%, it was $736.

By August 2026, at 6.67%, it was $1,600 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +111% 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 $264,376. So the real change is +18%, not +111%.

34474: +111% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34474 ran behind it by 26 points.

Owning the typical home costs about $2,034 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,530 a month.

Price divided by a year's rent: 16.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 34480 was worth $131,658.

Values peaked at $320,213 in September 2024. The latest reading is −3.6% from that peak.

As of August 2026: $308,792, −1.3% over twelve months.

Start with the typical home: $308,792. Put 20% down and borrow $247,034 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,710 a month in principal and interest.

The median household here earns $75,334 a year, $6,278 a month. So the payment takes 27.2% 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 11.6% 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 $612.

In December 2020, with rates at 2.68%, it was $688.

By August 2026, at 6.67%, it was $1,589 — +131% since December 2020, while the home's value moved +45%.

Reported values rose +135% 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 $236,130. So the real change is +31%, not +135%.

34480: +135% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34480 ran behind it by 3 points.

Owning the typical home costs about $2,019 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,490 a month.

Price divided by a year's rent: 17.3. 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 28 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 108.

Going out — closed sales: about 27 a month.

The ladder: homes for sale ÷ monthly sales = 4.1 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 27 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 20 — so sales ran at 135% of it, and below it in 13 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 43 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: 175. That is 83% of the 2015–2019 level for the same months.

Going out — closed sales: about 32 a month. That is 85% of the 2015–2019 level for the same months.

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

Homes sold: about 32 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 34 — so sales ran at 94% of it, and below it in 13 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: 108 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: 175 in June 2026.

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