ZIP 34228

34228 is one of 24 ZIP codes that lie mostly in Sarasota County, FL — 57% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 24 with a value.

In January 2000 the typical home in 34228 was worth $371,789.

Values peaked at $1,221,909 in August 2022. The latest reading is −22.4% from that peak.

As of August 2026: $947,724, −3.5% over twelve months.

Start with the typical home: $947,724. Put 20% down and borrow $758,179 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,249 a month in principal and interest.

The median household here earns $143,365 a year, $11,947 a month. So the payment takes 43.9% of income — rated “severe” (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 17.2% 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 $2,226.

In December 2020, with rates at 2.68%, it was $2,266.

By August 2026, at 6.67%, it was $4,876 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +155% 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 $733,764. So the real change is +29%, not +155%.

34228: +155% since January 2000.

Sarasota County: +195% since January 2000.

Florida: +245% since January 2000 — 34228 ran behind it by 90 points.

Owning the typical home costs about $6,197 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $10,250 a month.

Price divided by a year's rent: 7.7. 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 32 a month (Redfin, 3-month rolling data through August 2026). That is 92% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 218. That is 89% of the 2015–2019 level for the same months.

Going out — closed sales: about 52 a month. That is 119% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.2 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 19 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 52 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 33 — so sales ran at 158% of it, and below it in 12 of the last 24 months.

Across Sarasota County, builders pulled permits for 6,627 new homes in 2025.

Of those, 65% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Sarasota County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,042 moved in. Among the ten receiving the most, 6,574 moved out.

Net across those counties: −532 households. Beside it, homes for sale in this ZIP: 218 in June 2026.

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

County assessor records list 71 properties with a market value here. Their average assessed market value is $730,900; the typical home value is $947,724.

The assessor average sits −22.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.