ZIP 32456

32456 is one of 2 ZIP codes that lie mostly in Gulf County, FL — 74% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 2 with a value.

4 school locations in 32456: 1 middle, 3 high.

In alphabetical order: GULF APEX, GULF VIRTUAL FRANCHISE, PORT ST. JOE ELEMENTARY SCHOOL, PORT ST. JOE HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32456 was worth $106,192.

Values peaked at $523,227 in March 2024. The latest reading is −9.3% from that peak.

As of August 2026: $474,717, −2.2% over twelve months.

Start with the typical home: $474,717. Put 20% down and borrow $379,774 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,629 a month in principal and interest.

The median household here earns $73,723 a year, $6,144 a month. So the payment takes 42.8% 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 9.6% 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 $636.

In December 2020, with rates at 2.68%, it was $1,026.

By August 2026, at 6.67%, it was $2,442 — +138% since December 2020, while the home's value moved +50%.

Reported values rose +347% 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 $209,581. So the real change is +127%, not +347%.

32456: +347% since January 2000.

Gulf County: +333% since January 2000.

Florida: +245% since January 2000 — 32456 ran ahead of it by 102 points.

Owning the typical home costs about $3,104 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,425 a month.

Price divided by a year's rent: 16.3. 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 64 a month (Redfin, 3-month rolling data through August 2026). That is 212% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 455.

Going out — closed sales: about 59 a month. That is 145% of the 2015–2019 level for the same months. The drain is drawn 56% narrower: the share of homes for sale that sell each month is 44% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.7 months of supply — above 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 59 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 31 — so sales ran at 190% of it, and below it in 6 of the last 24 months.

Across Gulf County, builders pulled permits for 302 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Gulf County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 104 moved in. Among the ten receiving the most, 110 moved out.

Net across those counties: −6 households. Beside it, homes for sale in this ZIP: 455 in June 2026.

Most arrivals came from Bay, FL (104 households); most departures went to Bay, FL (110).