ZIP 43054 vs ZIP 43221

43054 is one of 43 ZIP codes that lie mostly in Franklin County, OH — 79% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 36 nearby ZIPs shown.

5 school locations in 43054: 2 elementary, 2 middle, 1 high.

In alphabetical order: New Albany Early Learning Center, New Albany High School, New Albany Intermediate School, New Albany Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

43221 is one of 43 ZIP codes that lie mostly in Franklin County, OH.

Shaded by typical home value, it ranks 2 of the 35 nearby ZIPs shown.

7 school locations in 43221: 4 elementary, 1 middle, 2 high.

In alphabetical order: Barrington Road Elementary School, Cranbrook Elementary School, Jones Middle School, Tremont Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 43054 was worth $248,567.

Values peaked at $578,206 in August 2026. The latest reading is the peak.

As of August 2026: $578,206, +0.9% over twelve months.

Start with the typical home: $578,206. Put 20% down and borrow $462,565 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,203 a month in principal and interest.

The median household here earns $139,679 a year, $11,640 a month. So the payment takes 27.5% 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 11.8% 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 $1,488.

In December 2020, with rates at 2.68%, it was $1,305.

By August 2026, at 6.67%, it was $2,975 — +128% since December 2020, while the home's value moved +44%.

Reported values rose +133% 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 $490,573. So the real change is +18%, not +133%.

43054: +133% since January 2000.

Franklin County: +164% since January 2000.

Ohio: +133% since January 2000.

Owning the typical home costs about $3,781 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,826 a month.

Price divided by a year's rent: 26.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 43221 was worth $161,504.

Values peaked at $463,350 in August 2026. The latest reading is the peak.

As of August 2026: $463,350, +2.3% over twelve months.

Start with the typical home: $463,350. Put 20% down and borrow $370,680 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,567 a month in principal and interest.

The median household here earns $115,393 a year, $9,616 a month. So the payment takes 26.7% 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 9.3% 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 $967.

In December 2020, with rates at 2.68%, it was $1,124.

By August 2026, at 6.67%, it was $2,384 — +112% since December 2020, while the home's value moved +34%.

Reported values rose +187% 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 $318,745. So the real change is +45%, not +187%.

43221: +187% since January 2000.

Franklin County: +164% since January 2000.

Ohio: +133% since January 2000 — 43221 ran ahead of it by 54 points.

Owning the typical home costs about $3,030 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,851 a month.

Price divided by a year's rent: 20.9. 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 47 a month (Redfin, 3-month rolling data through August 2026). That is 75% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 80. That is 46% of the 2015–2019 level for the same months.

Going out — closed sales: about 50 a month. That is 79% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.6 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 50 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 52 — so sales ran at 96% of it, and below it in 24 of the last 24 months.

Across Franklin County, builders pulled permits for 10,494 new homes in 2025.

Of those, 17% 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 64% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 79. That is 50% of the 2015–2019 level for the same months.

Going out — closed sales: about 44 a month. That is 56% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.8 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 44 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 64 — so sales ran at 69% of it, and below it in 21 of the last 24 months.

Across Franklin County, builders pulled permits for 10,494 new homes in 2025.

Of those, 17% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Franklin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,023 moved in. Among the ten receiving the most, 14,172 moved out.

Net across those counties: −3,149 households. Beside it, homes for sale in this ZIP: 80 in June 2026.

Most arrivals came from Delaware, OH (2,935 households); most departures went to Delaware, OH (4,215).

County assessor records list 18,726 properties with a market value here. Their average assessed market value is $449,900; the typical home value is $578,206.

The assessor average sits −22.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Franklin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,023 moved in. Among the ten receiving the most, 14,172 moved out.

Net across those counties: −3,149 households. Beside it, homes for sale in this ZIP: 79 in June 2026.

Most arrivals came from Delaware, OH (2,935 households); most departures went to Delaware, OH (4,215).

County assessor records list 24,947 properties with a market value here. Their average assessed market value is $380,900; the typical home value is $463,350.

The assessor average sits −17.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.