ZIP 34797 vs ZIP 34762

34797 is one of 24 ZIP codes that lie mostly in Lake County, FL.

Shaded by typical home value, it ranks 11 of the 23 with a value.

34762 is one of 24 ZIP codes that lie mostly in Lake County, FL.

Shaded by typical home value, it ranks 12 of the 23 with a value.

In January 2000 the typical home in 34797 was worth $128,582.

Values peaked at $355,992 in February 2025. The latest reading is −3.2% from that peak.

As of August 2026: $344,658, −2.1% over twelve months.

Start with the typical home: $344,658. Put 20% down and borrow $275,726 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,909 a month in principal and interest.

The median household here earns $127,616 a year, $10,635 a month. So the payment takes 18.0% 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 6.7% 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 $770.

In December 2020, with rates at 2.68%, it was $816.

By August 2026, at 6.67%, it was $1,773 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +168% 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 $253,770. So the real change is +36%, not +168%.

34797: +168% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 34797 ran behind it by 77 points.

Owning the typical home costs about $2,254 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,586 a month.

Price divided by a year's rent: 18.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34762 was worth $88,985.

Values peaked at $360,978 in March 2025. The latest reading is −7.4% from that peak.

As of August 2026: $334,358, −2.8% over twelve months.

Start with the typical home: $334,358. Put 20% down and borrow $267,486 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,852 a month in principal and interest.

The median household here earns $80,601 a year, $6,717 a month. So the payment takes 27.6% 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 7.3% 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 $533.

In December 2020, with rates at 2.68%, it was $755.

By August 2026, at 6.67%, it was $1,720 — +128% since December 2020, while the home's value moved +43%.

Reported values rose +276% 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 $175,621. So the real change is +90%, not +276%.

34762: +276% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 34762 ran ahead of it by 31 points.

Owning the typical home costs about $2,186 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,586 a month.

Price divided by a year's rent: 17.6. 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 6 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 29.

Going out — closed sales: about 3 a month. The drain is drawn 65% narrower: the share of homes for sale that sell each month is 35% 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 75% of it, and below it in 17 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).

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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 52.

Going out — closed sales: about 15 a month.

The ladder: homes for sale ÷ monthly sales = 3.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: listings and sales were even.

Homes sold: about 15 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at ∞% of it, and below it in 0 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: 29 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: 52 in June 2026.

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