ZIP 33876

33876 is one of 8 ZIP codes that lie mostly in Highlands County, FL.

Shaded by typical home value, it ranks 3 of the 8 with a value.

In January 2004 the typical home in 33876 was worth $84,555.

Values peaked at $272,351 in July 2024. The latest reading is −3.8% from that peak.

As of August 2026: $261,918, −1.5% over twelve months.

Start with the typical home: $261,918. Put 20% down and borrow $209,534 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,451 a month in principal and interest.

The median household here earns $55,490 a year, $4,624 a month. So the payment takes 31.4% 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 10.1% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2004 (5.71%) the payment was $393.

In December 2020, with rates at 2.68%, it was $568.

By August 2026, at 6.67%, it was $1,347 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +210% since January 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $151,650. So the real change is +73%, not +210%.

33876: +210% since January 2004.

Highlands County: +177% since January 2004.

Florida: +137% since January 2004 — 33876 ran ahead of it by 73 points.

Owning the typical home costs about $1,713 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,550 a month.

Price divided by a year's rent: 14.1. 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 14 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 55.

Going out — closed sales: about 9 a month. The drain is drawn 44% narrower: the share of homes for sale that sell each month is 56% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.9 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 113% of it, and below it in 8 of the last 24 months.

Across Highlands County, builders pulled permits for 768 new homes in 2025.

Of those, 92% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Highlands County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,431 moved in. Among the ten receiving the most, 872 moved out.

Net across those counties: +559 households. Beside it, homes for sale in this ZIP: 55 in June 2026.

Most arrivals came from Polk, FL (306 households); most departures went to Polk, FL (304).