ZIP 34202

34202 is one of 19 ZIP codes that lie mostly in Manatee County, FL.

Shaded by typical home value, it ranks 5 of the 19 with a value.

7 school locations in 34202: 4 elementary, 2 middle, 1 high.

In alphabetical order: BRADEN RIVER ELEMENTARY SCHOOL, BRADEN RIVER MIDDLE SCHOOL, GILBERT W MCNEAL ELEMENTARY SCHOOL, PINNACLE ACADEMY INC., and more on the ZIP page. Locations only — no ratings are shown here.

In April 2001 the typical home in 34202 was worth $258,942.

Values peaked at $789,192 in August 2022. The latest reading is −16.3% from that peak.

As of August 2026: $660,569, −3.7% over twelve months.

Start with the typical home: $660,569. Put 20% down and borrow $528,455 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,659 a month in principal and interest.

The median household here earns $123,210 a year, $10,268 a month. So the payment takes 35.6% 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 14.0% in 2001.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in April 2001 (7.08%) the payment was $1,389.

In December 2020, with rates at 2.68%, it was $1,508.

By August 2026, at 6.67%, it was $3,398 — +125% since December 2020, while the home's value moved +42%.

Reported values rose +155% since April 2001.

General prices (CPI-U) rose +89% over the same span.

Divide one by the other: in August 2026 dollars, the 2001 home was worth $490,479. So the real change is +35%, not +155%.

34202: +155% since April 2001.

Manatee County: +188% since April 2001.

Florida: +218% since April 2001 — 34202 ran behind it by 63 points.

Owning the typical home costs about $4,319 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,338 a month.

Price divided by a year's rent: 23.5. 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 66 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 235. That is 75% of the 2015–2019 level for the same months.

Going out — closed sales: about 69 a month. That is 86% 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 69 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 68 — so sales ran at 101% of it, and below it in 23 of the last 24 months.

Across Manatee County, builders pulled permits for 11,015 new homes in 2025.

Of those, 64% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Manatee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,962 moved in. Among the ten receiving the most, 5,634 moved out.

Net across those counties: +1,328 households. Beside it, homes for sale in this ZIP: 235 in June 2026.

Most arrivals came from Sarasota, FL (3,150 households); most departures went to Sarasota, FL (2,429).

County assessor records list 62 properties with a market value here. Their average assessed market value is $466,800; the typical home value is $660,569.

The assessor average sits −29.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.