ZIP 32709

32709 is one of 45 ZIP codes that lie mostly in Orange County, FL.

Shaded by typical home value, it ranks 13 of the 38 nearby ZIPs shown.

In January 2000 the typical home in 32709 was worth $89,636.

Values peaked at $486,428 in June 2026. The latest reading is −0.3% from that peak.

As of August 2026: $484,998, +3.3% over twelve months.

Start with the typical home: $484,998. Put 20% down and borrow $387,998 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,686 a month in principal and interest.

The median household here earns $83,015 a year, $6,918 a month. So the payment takes 38.8% 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 7.2% 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 $537.

In December 2020, with rates at 2.68%, it was $993.

By August 2026, at 6.67%, it was $2,495 — +151% since December 2020, while the home's value moved +58%.

Reported values rose +441% 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 $176,906. So the real change is +174%, not +441%.

32709: +441% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 32709 ran ahead of it by 196 points.

Against 1,098 Florida ZIP codes, 32709 sits at the 24th percentile for affordability (price vs local income).

93rd for appreciation (recent value growth).

Owning the typical home costs about $3,171 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,775 a month.

Price divided by a year's rent: 22.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 50% of it, and below it in 23 of the last 24 months.

Across Orange County, builders pulled permits for 13,140 new homes in 2025.

Of those, 32% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Orange County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 25,028 moved in. Among the ten receiving the most, 30,979 moved out.

Net across those counties: −5,951 households. Beside it, homes for sale in this ZIP: 2 in June 2026.

Most arrivals came from Seminole, FL (6,288 households); most departures went to Seminole, FL (7,701).

County assessor records list 478 properties with a market value here. Their average assessed market value is $355,015; the typical home value is $484,998.

The assessor average sits −26.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.