ZIP 34731 vs ZIP 32702

34731 is one of 24 ZIP codes that lie mostly in Lake County, FL — 99% of its own area is in the county.

Shaded by typical home value, it ranks 17 of the 23 with a value.

1 school location in 34731: 1 elementary.

In alphabetical order: FRUITLAND PARK ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

32702 is one of 24 ZIP codes that lie mostly in Lake County, FL — 77% of its own area is in the county.

Shaded by typical home value, it ranks 18 of the 23 with a value.

1 school location in 32702: 1 elementary.

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

In January 2000 the typical home in 34731 was worth $91,860.

Values peaked at $310,843 in July 2024. The latest reading is −4.8% from that peak.

As of August 2026: $295,931, −1.1% over twelve months.

Start with the typical home: $295,931. Put 20% down and borrow $236,745 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,639 a month in principal and interest.

The median household here earns $63,329 a year, $5,277 a month. So the payment takes 31.1% 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 9.6% 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 $550.

In December 2020, with rates at 2.68%, it was $681.

By August 2026, at 6.67%, it was $1,522 — +124% since December 2020, while the home's value moved +41%.

Reported values rose +222% 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 $181,295. So the real change is +63%, not +222%.

34731: +222% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 34731 ran behind it by 23 points.

Owning the typical home costs about $1,935 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,583 a month.

Price divided by a year's rent: 15.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32702 was worth $73,826.

Values peaked at $289,118 in June 2024. The latest reading is −0.7% from that peak.

As of August 2026: $287,085, +4.2% over twelve months.

Start with the typical home: $287,085. Put 20% down and borrow $229,668 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,590 a month in principal and interest.

The median household here earns $51,762 a year, $4,314 a month. So the payment takes 36.9% of income — rated “severe” (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 9.5% 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 $442.

In December 2020, with rates at 2.68%, it was $644.

By August 2026, at 6.67%, it was $1,477 — +129% since December 2020, while the home's value moved +44%.

Reported values rose +289% 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 $145,703. So the real change is +97%, not +289%.

32702: +289% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 32702 ran ahead of it by 44 points.

Owning the typical home costs about $1,877 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,501 a month.

Price divided by a year's rent: 6.8. 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 20 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 88.

Going out — closed sales: about 12 a month. The drain is drawn 53% narrower: the share of homes for sale that sell each month is 47% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.1 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 75% of it, and below it in 23 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 50% of it, and below it in 14 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 88 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).

This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 3 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).