Lotvox market story · compare
ZIP 34956 vs ZIP 34994
1 of 4
Who's going to sell
Turnover Index not published for 34956 yet.
Where
34956 in Martin County, FL
34956 is one of 9 ZIP codes that lie mostly in Martin County, FL.
Shaded by typical home value, it ranks 7 of the 8 with a value.
- Value rank in county
- 7 of 8
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 34956
3 school locations in 34956: 1 elementary, 1 middle, 1 high.
In alphabetical order: INDIANTOWN MIDDLE SCHOOL, TEEN PARENT, WARFIELD ELEMENTARY SCHOOL. Locations only — no ratings are shown here.
- School locations
- 3
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 34994 yet.
Where
34994 in Martin County, FL
34994 is one of 9 ZIP codes that lie mostly in Martin County, FL.
Shaded by typical home value, it ranks 8 of the 8 with a value.
- Value rank in county
- 8 of 8
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 34994
9 school locations in 34994: 1 elementary, 1 middle, 6 high, 1 other.
In alphabetical order: ESE HOMEBOUND, FELIX A WILLIAMS ELEMENTARY SCHOOL, MARTIN COUNTY HIGH SCHOOL, MARTIN COUNTY JAIL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 9
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 34956
In January 2000 the typical home in 34956 was worth $48,060.
Values peaked at $339,811 in November 2023. The latest reading is −6.0% from that peak.
As of August 2026: $319,431, +1.5% over twelve months.
- Typical home value
- $319,431
- 12-month change
- +1.5%
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: $319,431. Put 20% down and borrow $255,545 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,769 a month in principal and interest.
The median household here earns $57,500 a year, $4,792 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 5.6% in 2000.
- Payment share of income
- 36.9%
- Monthly P&I
- $1,769
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 $288.
In December 2020, with rates at 2.68%, it was $820.
By August 2026, at 6.67%, it was $1,643 — +100% since December 2020, while the home's value moved +26%.
- Payment change since 2020
- +100%
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 +565% 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 $94,851. So the real change is +237%, not +565%.
- Real change since 2000
- +237%
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
34956 against its neighbors
34956: +565% since January 2000.
Martin County: +259% since January 2000.
Florida: +245% since January 2000 — 34956 ran ahead of it by 320 points.
- Change since 2000
- +565%
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 $2,089 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $819 a month.
Price divided by a year's rent: 32.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 32.5
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 34994
In January 2000 the typical home in 34994 was worth $64,578.
Values peaked at $283,043 in October 2023. The latest reading is −16.8% from that peak.
As of August 2026: $235,625, −2.9% over twelve months.
- Typical home value
- $235,625
- 12-month change
- −2.9%
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: $235,625. Put 20% down and borrow $188,500 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,305 a month in principal and interest.
The median household here earns $62,895 a year, $5,241 a month. So the payment takes 24.9% 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 6.8% in 2000.
- Payment share of income
- 24.9%
- Monthly P&I
- $1,305
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 $387.
In December 2020, with rates at 2.68%, it was $582.
By August 2026, at 6.67%, it was $1,212 — +108% since December 2020, while the home's value moved +31%.
- Payment change since 2020
- +108%
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 +265% 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 $127,451. So the real change is +85%, not +265%.
- Real change since 2000
- +85%
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
34994 against its neighbors
34994: +265% since January 2000.
Martin County: +259% since January 2000.
Florida: +245% since January 2000 — 34994 ran ahead of it by 20 points.
- Change since 2000
- +265%
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 $1,541 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,205 a month.
Price divided by a year's rent: 8.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 8.9
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)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 10 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 2 — so sales ran at 500% of it, and below it in 5 of the last 24 months.
- Sales vs 2015–19 level
- 500%
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 Martin County, builders pulled permits for 845 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 845
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Listings Flow Ladder
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 40 a month (Redfin, 3-month rolling data through August 2026). That is 101% of the 2015–2019 level for the same months.
On the shelf — homes for sale at the end of the period: 169. That is 113% of the 2015–2019 level for the same months.
Going out — closed sales: about 22 a month. That is 60% of the 2015–2019 level for the same months. The drain is drawn 48% narrower: the share of homes for sale that sell each month is 52% of its 2015–2019 level.
The ladder: homes for sale ÷ monthly sales = 7.6 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 18 more homes came on than sold each month, so inventory is growing. The basin is filling.
- Months of supply
- 7.6
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 22 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 29 — so sales ran at 76% of it, and below it in 20 of the last 24 months.
- Sales vs 2015–19 level
- 76%
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 Martin County, builders pulled permits for 845 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 845
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 Martin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,270 moved in. Among the ten receiving the most, 2,705 moved out.
Net across those counties: +565 households. Beside it, homes for sale in this ZIP: 15 in June 2026.
Most arrivals came from Palm Beach, FL (1,407 households); most departures went to St. Lucie, FL (1,293).
- Net households (top-10 flows)
- +565
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 Martin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,270 moved in. Among the ten receiving the most, 2,705 moved out.
Net across those counties: +565 households. Beside it, homes for sale in this ZIP: 169 in June 2026.
Most arrivals came from Palm Beach, FL (1,407 households); most departures went to St. Lucie, FL (1,293).
- Net households (top-10 flows)
- +565
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01