ZIP 34208

34208 is one of 19 ZIP codes that lie mostly in Manatee County, FL.

Shaded by typical home value, it ranks 16 of the 19 with a value.

12 school locations in 34208: 6 elementary, 1 middle, 5 high.

In alphabetical order: HORIZONS ACADEMY, HOSPITAL HOMEBOUND INSTRUCTION, JUST FOR GIRLS ELEMENTARY SCHOOL, LOUISE R JOHNSON K-8 SCHOOL OF INTERNATIONAL STUDIES, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34208 was worth $109,793.

Values peaked at $372,730 in August 2022. The latest reading is −13.7% from that peak.

As of August 2026: $321,768, −3.6% over twelve months.

Start with the typical home: $321,768. Put 20% down and borrow $257,414 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,782 a month in principal and interest.

The median household here earns $59,899 a year, $4,992 a month. So the payment takes 35.7% 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 12.2% 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 $657.

In December 2020, with rates at 2.68%, it was $782.

By August 2026, at 6.67%, it was $1,655 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +193% 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 $216,688. So the real change is +48%, not +193%.

34208: +193% since January 2000.

Manatee County: +209% since January 2000.

Florida: +245% since January 2000 — 34208 ran behind it by 52 points.

Owning the typical home costs about $2,104 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,829 a month.

Price divided by a year's rent: 14.7. 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 98% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 186.

Going out — closed sales: about 40 a month. That is 94% of the 2015–2019 level for the same months. The drain is drawn 32% narrower: the share of homes for sale that sell each month is 68% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 103% of it, and below it in 15 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: 186 in June 2026.

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