ZIP 34481

34481 is one of 29 ZIP codes that lie mostly in Marion County, FL.

Shaded by typical home value, it ranks 14 of the 24 with a value.

1 school location in 34481: 1 high.

In alphabetical order: WEST PORT HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2004 the typical home in 34481 was worth $129,097.

Values peaked at $313,874 in December 2022. The latest reading is −12.1% from that peak.

As of August 2026: $275,943, −3.2% over twelve months.

Start with the typical home: $275,943. Put 20% down and borrow $220,754 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,528 a month in principal and interest.

The median household here earns $54,639 a year, $4,553 a month. So the payment takes 33.6% 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 15.7% 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 $600.

In December 2020, with rates at 2.68%, it was $651.

By August 2026, at 6.67%, it was $1,420 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +114% 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 $231,537. So the real change is +19%, not +114%.

34481: +114% since January 2004.

Marion County: +135% since January 2004.

Florida: +137% since January 2004 — 34481 ran behind it by 23 points.

Owning the typical home costs about $1,804 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,755 a month.

Price divided by a year's rent: 13.1. 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 129 a month (Redfin, 3-month rolling data through August 2026). That is 157% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 512. That is 154% of the 2015–2019 level for the same months.

Going out — closed sales: about 128 a month. That is 156% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.0 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 128 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 80 — so sales ran at 160% of it, and below it in 0 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: 512 in June 2026.

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