ZIP 34488 vs ZIP 32134

34488 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 23 of the 24 with a value.

1 school location in 34488: 1 elementary.

In alphabetical order: EAST MARION ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

32134 is one of 29 ZIP codes that lie mostly in Marion County, FL — 81% of its own area is in the county.

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

1 school location in 32134: 1 middle.

In alphabetical order: FORT MCCOY SCHOOL. Locations only — no ratings are shown here.

In January 2004 the typical home in 34488 was worth $81,193.

Values peaked at $219,098 in August 2024. The latest reading is −5.8% from that peak.

As of August 2026: $206,290, −1.8% over twelve months.

Start with the typical home: $206,290. Put 20% down and borrow $165,032 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,143 a month in principal and interest.

The median household here earns $45,239 a year, $3,770 a month. So the payment takes 30.3% 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 11.9% 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 $378.

In December 2020, with rates at 2.68%, it was $487.

By August 2026, at 6.67%, it was $1,061 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +154% 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 $145,620. So the real change is +42%, not +154%.

34488: +154% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34488 ran ahead of it by 17 points.

Owning the typical home costs about $1,349 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,425 a month.

Price divided by a year's rent: 12.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2004 the typical home in 32134 was worth $68,170.

Values peaked at $170,394 in May 2024. The latest reading is −9.6% from that peak.

As of August 2026: $154,067, −1.0% over twelve months.

Start with the typical home: $154,067. Put 20% down and borrow $123,254 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $853 a month in principal and interest.

The median household here earns $46,429 a year, $3,869 a month. So the payment takes 22.1% 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 9.8% 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 $317.

In December 2020, with rates at 2.68%, it was $370.

By August 2026, at 6.67%, it was $793 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +126% 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 $122,264. So the real change is +26%, not +126%.

32134: +126% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 32134 ran behind it by 11 points.

Owning the typical home costs about $1,007 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $664 a month.

Price divided by a year's rent: 19.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 78% of it, and below it in 20 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 46.

Going out — closed sales: about 6 a month. The drain is drawn 3% narrower: the share of homes for sale that sell each month is 97% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.3 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 6 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 60% of it, and below it in 22 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: 24 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: 46 in June 2026.

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