ZIP 34786

34786 is one of 45 ZIP codes that lie mostly in Orange County, FL.

Shaded by typical home value, it ranks 4 of the 37 nearby ZIPs shown.

7 school locations in 34786: 4 elementary, 2 middle, 1 high.

In alphabetical order: BAY LAKE ELEMENTARY, GOTHA MIDDLE, HORIZON WEST MIDDLE, KEENES CROSSING ELEMENTARY, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 34786 was worth $237,508.

Values peaked at $727,438 in July 2024. The latest reading is −3.4% from that peak.

As of August 2026: $702,439, 0.0% over twelve months.

Start with the typical home: $702,439. Put 20% down and borrow $561,951 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,891 a month in principal and interest.

The median household here earns $131,409 a year, $10,951 a month. So the payment takes 35.5% 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 12.0% 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 $1,422.

In December 2020, with rates at 2.68%, it was $1,504.

By August 2026, at 6.67%, it was $3,614 — +140% since December 2020, while the home's value moved +51%.

Reported values rose +196% 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 $468,747. So the real change is +50%, not +196%.

34786: +196% since January 2000.

Orange County: +228% since January 2000.

Florida: +245% since January 2000 — 34786 ran behind it by 49 points.

Against 1,098 Florida ZIP codes, 34786 sits at the 35th percentile for affordability (price vs local income).

64th for appreciation (recent value growth); 14th for rental yield (rent vs price).

Owning the typical home costs about $4,593 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,390 a month.

Price divided by a year's rent: 24.5. 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 74 a month (Redfin, 3-month rolling data through August 2026). That is 60% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 269. That is 61% of the 2015–2019 level for the same months.

Going out — closed sales: about 64 a month. That is 64% 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 64 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 82 — so sales ran at 78% of it, and below it in 24 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: 269 in June 2026.

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

County assessor records list 14,885 properties with a market value here. Their average assessed market value is $617,710; the typical home value is $702,439.

The assessor average sits −12.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.