ZIP 32060

32060 is one of 5 ZIP codes that lie mostly in Suwannee County, FL.

Shaded by typical home value, it ranks 2 of the 3 with a value.

In August 2007 the typical home in 32060 was worth $185,786.

Values peaked at $302,408 in May 2026. The latest reading is −0.4% from that peak.

As of August 2026: $301,268, +3.2% over twelve months.

Start with the typical home: $301,268. Put 20% down and borrow $241,014 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,669 a month in principal and interest.

The median household here earns $56,702 a year, $4,725 a month. So the payment takes 35.3% 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 21.8% in 2007.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in August 2007 (6.57%) the payment was $946.

In December 2020, with rates at 2.68%, it was $656.

By August 2026, at 6.67%, it was $1,550 — +136% since December 2020, while the home's value moved +49%.

Reported values rose +62% since August 2007.

General prices (CPI-U) rose +61% over the same span.

Divide one by the other: in August 2026 dollars, the 2007 home was worth $298,925. So the real change is +1%, not +62%.

32060: +62% since August 2007.

Suwannee County: +53% since August 2007.

Florida: +53% since August 2007 — 32060 ran ahead of it by 9 points.

Owning the typical home costs about $1,970 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $685 a month.

Price divided by a year's rent: 36.7. 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 14 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 67.

Going out — closed sales: about 7 a month. The drain is drawn 89% narrower: the share of homes for sale that sell each month is 11% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 9.1 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 78% of it, and below it in 14 of the last 24 months.

Across Suwannee County, builders pulled permits for 136 new homes in 2025.

Of those, 99% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Suwannee County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 625 moved in. Among the ten receiving the most, 461 moved out.

Net across those counties: +164 households. Beside it, homes for sale in this ZIP: 67 in June 2026.

Most arrivals came from Columbia, FL (213 households); most departures went to Columbia, FL (210).