ZIP 34746 vs ZIP 33896

34746 is one of 13 ZIP codes that lie mostly in Osceola County, FL.

Shaded by typical home value, it ranks 7 of the 13 with a value.

7 school locations in 34746: 1 elementary, 4 middle, 2 high.

In alphabetical order: BELLALAGO CHARTER ACADEMY, HORIZON MIDDLE SCHOOL, LIBERTY HIGH SCHOOL, MATER BRIGHTON LAKES, and more on the ZIP page. Locations only — no ratings are shown here.

33896 is one of 13 ZIP codes that lie mostly in Osceola County, FL — 64% of its own area is in the county.

Shaded by typical home value, it ranks 8 of the 13 with a value.

3 school locations in 33896: 1 elementary, 2 high.

In alphabetical order: FOUR CORNERS UPPER SCHOOL, MATER ACADEMY DAVENPORT, RIDGEVIEW GLOBAL STUDIES ACADEMY. Locations only — no ratings are shown here.

In January 2000 the typical home in 34746 was worth $146,000.

Values peaked at $403,451 in September 2022. The latest reading is −11.5% from that peak.

As of August 2026: $357,183, −3.9% over twelve months.

Start with the typical home: $357,183. Put 20% down and borrow $285,746 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,978 a month in principal and interest.

The median household here earns $67,677 a year, $5,640 a month. So the payment takes 35.1% 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 14.3% 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 $874.

In December 2020, with rates at 2.68%, it was $874.

By August 2026, at 6.67%, it was $1,838 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +145% 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 $288,146. So the real change is +24%, not +145%.

34746: +145% since January 2000.

Osceola County: +186% since January 2000.

Florida: +245% since January 2000 — 34746 ran behind it by 100 points.

Against 1,098 Florida ZIP codes, 34746 sits at the 38th percentile for affordability (price vs local income).

9th for appreciation (recent value growth); 71st for rental yield (rent vs price).

Owning the typical home costs about $2,336 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,121 a month.

Price divided by a year's rent: 14.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33896 was worth $159,840.

Values peaked at $407,608 in September 2022. The latest reading is −13.6% from that peak.

As of August 2026: $352,143, −4.2% over twelve months.

Start with the typical home: $352,143. Put 20% down and borrow $281,714 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,951 a month in principal and interest.

The median household here earns $74,485 a year, $6,207 a month. So the payment takes 31.4% 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 14.3% 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 $957.

In December 2020, with rates at 2.68%, it was $892.

By August 2026, at 6.67%, it was $1,812 — +103% since December 2020, while the home's value moved +28%.

Reported values rose +120% 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 $315,461. So the real change is +12%, not +120%.

33896: +120% since January 2000.

Osceola County: +186% since January 2000.

Florida: +245% since January 2000 — 33896 ran behind it by 125 points.

Against 1,098 Florida ZIP codes, 33896 sits at the 55th percentile for affordability (price vs local income).

7th for appreciation (recent value growth); 44th for rental yield (rent vs price).

Owning the typical home costs about $2,303 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,795 a month.

Price divided by a year's rent: 16.3. 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 159 a month (Redfin, 3-month rolling data through August 2026). That is 117% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 789. That is 177% of the 2015–2019 level for the same months.

Going out — closed sales: about 106 a month. That is 84% of the 2015–2019 level for the same months. 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 = 7.4 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 53 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 106 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 103 — so sales ran at 103% of it, and below it in 16 of the last 24 months.

Across Osceola County, builders pulled permits for 7,366 new homes in 2025.

Of those, 69% 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 97 a month (Redfin, 3-month rolling data through August 2026). That is 110% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 573. That is 227% of the 2015–2019 level for the same months.

Going out — closed sales: about 52 a month. That is 72% of the 2015–2019 level for the same months. The drain is drawn 62% narrower: the share of homes for sale that sell each month is 38% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 10.9 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 45 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 52 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 68 — so sales ran at 76% of it, and below it in 18 of the last 24 months.

Across Osceola County, builders pulled permits for 7,366 new homes in 2025.

Of those, 69% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Osceola County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,806 moved in. Among the ten receiving the most, 12,162 moved out.

Net across those counties: +644 households. Beside it, homes for sale in this ZIP: 789 in June 2026.

Most arrivals came from Orange, FL (7,271 households); most departures went to Orange, FL (5,567).

This ZIP sits in Osceola County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,806 moved in. Among the ten receiving the most, 12,162 moved out.

Net across those counties: +644 households. Beside it, homes for sale in this ZIP: 573 in June 2026.

Most arrivals came from Orange, FL (7,271 households); most departures went to Orange, FL (5,567).