ZIP 32344

32344 is one of 3 ZIP codes that lie mostly in Jefferson County, FL.

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

9 school locations in 32344: 6 high, 3 other.

In alphabetical order: BABIES/TAP, JEFFERSON COUNTY HIGH A SOMERSET CHARTER SCHOOL, JEFFERSON COUNTY MIDDLE A SOMERSET CHARTER SCHOOL, JEFFERSON SCHOOLS K-12, and more on the ZIP page. Locations only — no ratings are shown here.

In May 2004 the typical home in 32344 was worth $155,426.

Values peaked at $316,469 in August 2026. The latest reading is the peak.

As of August 2026: $316,469, +4.6% over twelve months.

Start with the typical home: $316,469. Put 20% down and borrow $253,175 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,753 a month in principal and interest.

The median household here earns $52,222 a year, $4,352 a month. So the payment takes 40.3% 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 19.8% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in May 2004 (6.27%) the payment was $767.

In December 2020, with rates at 2.68%, it was $699.

By August 2026, at 6.67%, it was $1,628 — +133% since December 2020, while the home's value moved +47%.

Reported values rose +104% since May 2004.

General prices (CPI-U) rose +78% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $275,944. So the real change is +15%, not +104%.

32344: +104% since May 2004.

Jefferson County: +107% since May 2004.

Florida: +127% since May 2004 — 32344 ran behind it by 24 points.

Owning the typical home costs about $2,069 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $710 a month.

Price divided by a year's rent: 37.1. 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 9 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 46.

Going out — closed sales: about 11 a month.

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 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 157% of it, and below it in 9 of the last 24 months.

Across Jefferson County, builders pulled permits for 55 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 Jefferson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 218 moved in. Among the ten receiving the most, 167 moved out.

Net across those counties: +51 households. Beside it, homes for sale in this ZIP: 46 in June 2026.

Most arrivals came from Leon, FL (195 households); most departures went to Leon, FL (146).