ZIP 34470

34470 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 21 of the 24 with a value.

5 school locations in 34470: 2 elementary, 1 middle, 2 high.

In alphabetical order: FORT KING MIDDLE SCHOOL, NEW LEAF CENTER, OAKCREST ELEMENTARY SCHOOL, PACE CENTER FOR GIRLS INC., and more on the ZIP page. Locations only — no ratings are shown here.

In January 2004 the typical home in 34470 was worth $87,303.

Values peaked at $241,120 in February 2025. The latest reading is −4.8% from that peak.

As of August 2026: $229,577, −2.1% over twelve months.

Start with the typical home: $229,577. Put 20% down and borrow $183,662 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,272 a month in principal and interest.

The median household here earns $49,592 a year, $4,133 a month. So the payment takes 30.8% 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 11.7% 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 $406.

In December 2020, with rates at 2.68%, it was $500.

By August 2026, at 6.67%, it was $1,181 — +136% since December 2020, while the home's value moved +49%.

Reported values rose +163% 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 $156,579. So the real change is +47%, not +163%.

34470: +163% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34470 ran ahead of it by 26 points.

Owning the typical home costs about $1,501 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,413 a month.

Price divided by a year's rent: 13.5. 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 40 a month (Redfin, 3-month rolling data through August 2026). That is 118% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 156.

Going out — closed sales: about 35 a month. That is 110% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.4 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 35 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 117% of it, and below it in 16 of the last 24 months.

Across Marion County, builders pulled permits for 5,985 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Marion County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,276 moved in. Among the ten receiving the most, 3,496 moved out.

Net across those counties: +1,780 households. Beside it, homes for sale in this ZIP: 156 in June 2026.

Most arrivals came from Lake, FL (957 households); most departures went to Lake, FL (649).