Lotvox market story
ZIP 34739
Osceola County, FL
What homes are worth, what they cost to carry, how fast they sell — one step at a time.
- Typical home value
- $408,903
- 12-month change
- +4.7%
- Payment change since 2020
- +135%
This week since 2026-10-08: No change in the headline figures since 2026-10-08.
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Who's going to sell in 34739 this year?
Lotvox Turnover Index
Ranking every home in 34739 by how likely it is to sell
The Lotvox Turnover Index isn't offered for 34739 yet.
Where
34739 in Osceola County, FL
34739 is one of 13 ZIP codes that lie mostly in Osceola County, FL.
Shaded by typical home value, it ranks 2 of the 13 with a value.
- Value rank in county
- 2 of 13
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
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What it costs
Home values
What homes are worth in 34739
In May 2003 the typical home in 34739 was worth $147,419.
Values peaked at $412,378 in May 2026. The latest reading is −0.8% from that peak.
As of August 2026: $408,903, +4.7% over twelve months.
- Typical home value
- $408,903
- 12-month change
- +4.7%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in May 2003 (5.48%) the payment was $668.
In December 2020, with rates at 2.68%, it was $896.
By August 2026, at 6.67%, it was $2,104 — +135% since December 2020, while the home's value moved +48%.
- Payment change since 2020
- +135%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +177% since May 2003.
General prices (CPI-U) rose +83% over the same span.
Divide one by the other: in August 2026 dollars, the 2003 home was worth $269,313. So the real change is +52%, not +177%.
- Real change since 2003
- +52%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
34739 against its neighbors
34739: +177% since May 2003.
Osceola County: +136% since May 2003.
Florida: +157% since May 2003 — 34739 ran ahead of it by 21 points.
- Change since 2003
- +177%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,674 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,746 a month.
Price divided by a year's rent: 19.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 19.5
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 0 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 16 of the last 24 months.
- Sales vs 2015–19 level
- 0%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Osceola County, builders pulled permits for 7,366 new homes in 2025.
Of those, 69% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 7,366
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Osceola County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,806 moved in. Among the ten receiving the most, 12,162 moved out.
Net across those counties: +644 households. Beside it, homes for sale in this ZIP: 3 in June 2026.
Most arrivals came from Orange, FL (7,271 households); most departures went to Orange, FL (5,567).
- Net households (top-10 flows)
- +644
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
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What to do
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Link: https://lotvox.com/story/orlando/zip/34739