ZIP 32514

32514 is one of 19 ZIP codes that lie mostly in Escambia County, FL.

Shaded by typical home value, it ranks 11 of the 15 with a value.

3 school locations in 32514: 2 elementary, 1 middle.

In alphabetical order: ENSLEY ELEMENTARY SCHOOL, FERRY PASS ELEMENTARY SCHOOL, FERRY PASS MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32514 was worth $97,536.

Values peaked at $266,003 in July 2024. The latest reading is −1.8% from that peak.

As of August 2026: $261,329, +2.1% over twelve months.

Start with the typical home: $261,329. Put 20% down and borrow $209,063 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,448 a month in principal and interest.

The median household here earns $66,484 a year, $5,540 a month. So the payment takes 26.1% of income — rated “affordable” (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 9.8% 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 $584.

In December 2020, with rates at 2.68%, it was $616.

By August 2026, at 6.67%, it was $1,344 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +168% 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 $192,497. So the real change is +36%, not +168%.

32514: +168% since January 2000.

Escambia County: +159% since January 2000.

Florida: +245% since January 2000 — 32514 ran behind it by 77 points.

Owning the typical home costs about $1,709 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,537 a month.

Price divided by a year's rent: 14.2. 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 53 a month (Redfin, 3-month rolling data through August 2026). That is 91% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 158. That is 82% of the 2015–2019 level for the same months.

Going out — closed sales: about 40 a month. That is 67% of the 2015–2019 level for the same months. The drain is drawn 21% narrower: the share of homes for sale that sell each month is 79% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.9 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 54 — so sales ran at 74% of it, and below it in 19 of the last 24 months.

Across Escambia County, builders pulled permits for 1,398 new homes in 2025.

Of those, 98% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Escambia County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,260 moved in. Among the ten receiving the most, 3,605 moved out.

Net across those counties: −345 households. Beside it, homes for sale in this ZIP: 158 in June 2026.

Most arrivals came from Santa Rosa, FL (1,530 households); most departures went to Santa Rosa, FL (1,723).