Lotvox market story · compare
ZIP 34498 vs ZIP 34449
1 of 4
Who's going to sell
Turnover Index not published for 34498 yet.
Where
34498 in Levy County, FL
34498 is one of 9 ZIP codes that lie mostly in Levy County, FL.
Shaded by typical home value, it ranks 5 of the 7 with a value.
- Value rank in county
- 5 of 7
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 34498
1 school location in 34498: 1 middle.
In alphabetical order: YANKEETOWN SCHOOL. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 34449 yet.
Where
34449 in Levy County, FL
34449 is one of 9 ZIP codes that lie mostly in Levy County, FL — 94% of its own area is in the county.
Shaded by typical home value, it ranks 6 of the 7 with a value.
- Value rank in county
- 6 of 7
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
2 of 4
What it costs
Home values
What homes are worth in 34498
In January 2000 the typical home in 34498 was worth $87,103.
Values peaked at $308,342 in June 2024. The latest reading is −10.4% from that peak.
As of August 2026: $276,388, −5.6% over twelve months.
- Typical home value
- $276,388
- 12-month change
- −5.6%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $276,388. Put 20% down and borrow $221,110 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,531 a month in principal and interest.
The median household here earns $56,875 a year, $4,740 a month. So the payment takes 32.3% 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 10.2% in 2000.
- Payment share of income
- 32.3%
- Monthly P&I
- $1,531
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $522.
In December 2020, with rates at 2.68%, it was $667.
By August 2026, at 6.67%, it was $1,422 — +113% since December 2020, while the home's value moved +34%.
- Payment change since 2020
- +113%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +217% 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 $171,907. So the real change is +61%, not +217%.
- Real change since 2000
- +61%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
34498 against its neighbors
34498: +217% since January 2000.
Levy County: +244% since January 2000.
Florida: +245% since January 2000 — 34498 ran behind it by 28 points.
- Change since 2000
- +217%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,807 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $977 a month.
Price divided by a year's rent: 23.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 23.6
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 34449
In January 2000 the typical home in 34449 was worth $74,987.
Values peaked at $269,769 in July 2024. The latest reading is −6.4% from that peak.
As of August 2026: $252,488, −1.7% over twelve months.
- Typical home value
- $252,488
- 12-month change
- −1.7%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $252,488. Put 20% down and borrow $201,990 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,399 a month in principal and interest.
The median household here earns $52,760 a year, $4,397 a month. So the payment takes 31.8% 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 9.4% in 2000.
- Payment share of income
- 31.8%
- Monthly P&I
- $1,399
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $449.
In December 2020, with rates at 2.68%, it was $572.
By August 2026, at 6.67%, it was $1,299 — +127% since December 2020, while the home's value moved +43%.
- Payment change since 2020
- +127%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +237% 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 $147,995. So the real change is +71%, not +237%.
- Real change since 2000
- +71%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
34449 against its neighbors
34449: +237% since January 2000.
Levy County: +244% since January 2000.
Florida: +245% since January 2000 — 34449 ran behind it by 8 points.
- Change since 2000
- +237%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $1,651 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $755 a month.
Price divided by a year's rent: 27.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 27.9
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
3 of 4
What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 1 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 13 of the last 24 months.
- Sales vs 2015–19 level
- 100%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Levy County, builders pulled permits for 244 new homes in 2025.
Of those, 98% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 244
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 4 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 200% of it, and below it in 8 of the last 24 months.
- Sales vs 2015–19 level
- 200%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Levy County, builders pulled permits for 244 new homes in 2025.
Of those, 98% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 244
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
4 of 4
Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Levy County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 952 moved in. Among the ten receiving the most, 732 moved out.
Net across those counties: +220 households. Beside it, homes for sale in this ZIP: 17 in June 2026.
Most arrivals came from Alachua, FL (308 households); most departures went to Alachua, FL (263).
- Net households (top-10 flows)
- +220
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
This ZIP sits in Levy County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 952 moved in. Among the ten receiving the most, 732 moved out.
Net across those counties: +220 households. Beside it, homes for sale in this ZIP: 18 in June 2026.
Most arrivals came from Alachua, FL (308 households); most departures went to Alachua, FL (263).
- Net households (top-10 flows)
- +220
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01