ZIP 32764

32764 is one of 27 ZIP codes that lie mostly in Volusia County, FL.

Shaded by typical home value, it ranks 4 of the 26 with a value.

1 school location in 32764: 1 elementary.

In alphabetical order: OSTEEN ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32764 was worth $96,336.

Values peaked at $410,223 in January 2025. The latest reading is −1.7% from that peak.

As of August 2026: $403,106, +0.8% over twelve months.

Start with the typical home: $403,106. Put 20% down and borrow $322,485 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,233 a month in principal and interest.

The median household here earns $84,242 a year, $7,020 a month. So the payment takes 31.8% 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 7.6% 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 $577.

In December 2020, with rates at 2.68%, it was $922.

By August 2026, at 6.67%, it was $2,074 — +125% since December 2020, while the home's value moved +42%.

Reported values rose +318% 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 $190,129. So the real change is +112%, not +318%.

32764: +318% since January 2000.

Volusia County: +229% since January 2000.

Florida: +245% since January 2000 — 32764 ran ahead of it by 73 points.

Owning the typical home costs about $2,636 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,467 a month.

Price divided by a year's rent: 22.9. 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 5 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 28.

Going out — closed sales: about 3 a month. The drain is drawn 45% narrower: the share of homes for sale that sell each month is 55% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 10.5 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 2 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 3 — so sales ran at 100% of it, and below it in 18 of the last 24 months.

Across Volusia County, builders pulled permits for 2,826 new homes in 2025.

Of those, 74% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Volusia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,195 moved in. Among the ten receiving the most, 6,033 moved out.

Net across those counties: +2,162 households. Beside it, homes for sale in this ZIP: 28 in June 2026.

Most arrivals came from Seminole, FL (2,811 households); most departures went to Seminole, FL (1,690).