ZIP 34997 vs ZIP 34996

34997 is one of 9 ZIP codes that lie mostly in Martin County, FL.

Shaded by typical home value, it ranks 4 of the 8 with a value.

13 school locations in 34997: 6 elementary, 2 middle, 5 high.

In alphabetical order: CLARK ADVANCED LEARNING CENTER, CRYSTAL LAKE ELEMENTARY SCHOOL, DR. DAVID L. ANDERSON MIDDLE SCHOOL, INDIANTOWN HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

34996 is one of 9 ZIP codes that lie mostly in Martin County, FL.

Shaded by typical home value, it ranks 5 of the 8 with a value.

1 school location in 34996: 1 elementary.

In alphabetical order: J. D. PARKER SCHOOL OF TECHNOLOGY. Locations only — no ratings are shown here.

In January 2000 the typical home in 34997 was worth $124,365.

Values peaked at $463,502 in December 2023. The latest reading is −7.3% from that peak.

As of August 2026: $429,453, −0.7% over twelve months.

Start with the typical home: $429,453. Put 20% down and borrow $343,562 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,379 a month in principal and interest.

The median household here earns $75,705 a year, $6,309 a month. So the payment takes 37.7% 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 10.9% 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 $745.

In December 2020, with rates at 2.68%, it was $1,001.

By August 2026, at 6.67%, it was $2,209 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +245% 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 $245,447. So the real change is +75%, not +245%.

34997: +245% since January 2000.

Martin County: +259% since January 2000.

Florida: +245% since January 2000.

Owning the typical home costs about $2,808 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,100 a month.

Price divided by a year's rent: 17.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34996 was worth $120,575.

Values peaked at $478,964 in August 2022. The latest reading is −11.0% from that peak.

As of August 2026: $426,489, +0.3% over twelve months.

Start with the typical home: $426,489. Put 20% down and borrow $341,191 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,362 a month in principal and interest.

The median household here earns $82,898 a year, $6,908 a month. So the payment takes 34.2% 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 9.7% 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 $722.

In December 2020, with rates at 2.68%, it was $1,022.

By August 2026, at 6.67%, it was $2,194 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +254% 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 $237,967. So the real change is +79%, not +254%.

34996: +254% since January 2000.

Martin County: +259% since January 2000.

Florida: +245% since January 2000 — 34996 ran ahead of it by 9 points.

Owning the typical home costs about $2,789 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,695 a month.

Price divided by a year's rent: 13.2. 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 81 a month (Redfin, 3-month rolling data through August 2026). That is 82% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 282. That is 89% of the 2015–2019 level for the same months.

Going out — closed sales: about 84 a month. That is 89% of the 2015–2019 level for the same months.

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: about 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 84 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 82 — so sales ran at 102% of it, and below it in 19 of the last 24 months.

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).

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: 83.

Going out — closed sales: about 22 a month.

The ladder: homes for sale ÷ monthly sales = 3.8 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: about 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 20 — so sales ran at 110% of it, and below it in 17 of the last 24 months.

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).

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: 282 in June 2026.

Most arrivals came from Palm Beach, FL (1,407 households); most departures went to St. Lucie, FL (1,293).

County assessor records list 65 properties with a market value here. Their average assessed market value is $560,900; the typical home value is $429,453.

The assessor average sits +30.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

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: 83 in June 2026.

Most arrivals came from Palm Beach, FL (1,407 households); most departures went to St. Lucie, FL (1,293).

County assessor records list 52 properties with a market value here. Their average assessed market value is $685,800; the typical home value is $426,489.

The assessor average sits +60.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.