ZIP 34482 vs ZIP 34491

34482 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 12 of the 24 with a value.

2 school locations in 34482: 1 elementary, 1 high.

In alphabetical order: FESSENDEN ELEMENTARY SCHOOL, OCALA CENTER FOR SUCCESS AND INDEPENDENCE. Locations only — no ratings are shown here.

34491 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 13 of the 24 with a value.

2 school locations in 34491: 1 elementary, 1 middle.

In alphabetical order: HARBOUR VIEW ELEMENTARY SCHOOL, LAKE WEIR MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2004 the typical home in 34482 was worth $137,530.

Values peaked at $315,450 in December 2022. The latest reading is −7.5% from that peak.

As of August 2026: $291,869, −2.2% over twelve months.

Start with the typical home: $291,869. Put 20% down and borrow $233,495 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,617 a month in principal and interest.

The median household here earns $71,449 a year, $5,954 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 12.8% 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 $639.

In December 2020, with rates at 2.68%, it was $661.

By August 2026, at 6.67%, it was $1,502 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +112% 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 $246,661. So the real change is +18%, not +112%.

34482: +112% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34482 ran behind it by 25 points.

Owning the typical home costs about $1,909 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,967 a month.

Price divided by a year's rent: 12.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 34491 was worth $126,950.

Values peaked at $304,361 in September 2022. The latest reading is −7.5% from that peak.

As of August 2026: $281,618, −2.5% over twelve months.

Start with the typical home: $281,618. Put 20% down and borrow $225,294 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,560 a month in principal and interest.

The median household here earns $65,900 a year, $5,492 a month. So the payment takes 28.4% 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 12.8% 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 $590.

In December 2020, with rates at 2.68%, it was $674.

By August 2026, at 6.67%, it was $1,449 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +122% 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 $227,686. So the real change is +24%, not +122%.

34491: +122% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34491 ran behind it by 15 points.

Owning the typical home costs about $1,842 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,768 a month.

Price divided by a year's rent: 13.3. 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 48 a month (Redfin, 3-month rolling data through August 2026). That is 118% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 217. That is 114% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 126% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 5.1 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 140% 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 85 a month (Redfin, 3-month rolling data through August 2026). That is 116% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 329. That is 98% of the 2015–2019 level for the same months.

Going out — closed sales: about 69 a month. That is 89% of the 2015–2019 level for the same months. The drain is drawn 4% narrower: the share of homes for sale that sell each month is 96% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.8 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 16 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 69 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 63 — so sales ran at 110% of it, and below it in 12 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: 217 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: 329 in June 2026.

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