ZIP 32110

32110 is one of 4 ZIP codes that lie mostly in Flagler County, FL.

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

4 school locations in 32110: 2 elementary, 2 high.

In alphabetical order: BUNNELL ELEMENTARY SCHOOL, FLAGLER VIRTUAL INSTRUCTION KG-5, FLAGLER VIRTUAL INSTRUCTION PROGRAM, IFLAGLER-VIRTUAL FRANCHISE. Locations only — no ratings are shown here.

In January 2000 the typical home in 32110 was worth $102,077.

Values peaked at $316,544 in July 2022. The latest reading is −9.4% from that peak.

As of August 2026: $286,715, −0.8% over twelve months.

Start with the typical home: $286,715. Put 20% down and borrow $229,372 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,588 a month in principal and interest.

The median household here earns $56,277 a year, $4,690 a month. So the payment takes 33.9% 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 12.1% 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 $611.

In December 2020, with rates at 2.68%, it was $716.

By August 2026, at 6.67%, it was $1,475 — +106% since December 2020, while the home's value moved +30%.

Reported values rose +181% 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 $201,459. So the real change is +42%, not +181%.

32110: +181% since January 2000.

Flagler County: +210% since January 2000.

Florida: +245% since January 2000 — 32110 ran behind it by 64 points.

Owning the typical home costs about $1,875 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,567 a month.

Price divided by a year's rent: 15.2. 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 65.

Going out — closed sales: about 17 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 170% of it, and below it in 4 of the last 24 months.

Across Flagler County, builders pulled permits for 2,586 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 Flagler County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,321 moved in. Among the ten receiving the most, 1,873 moved out.

Net across those counties: +448 households. Beside it, homes for sale in this ZIP: 65 in June 2026.

Most arrivals came from Volusia, FL (956 households); most departures went to Volusia, FL (828).