Monticello 32344

Tallahassee, FL · Jefferson County, FL · 10,198 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

40affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
36.2%
severe
Days on market
85
daily
Price cuts
15.7%
of active
Look up an address
51
/100
mixed
warming · balanced · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

86/ 100SellerBalancedBuyer
Strong Buyer's Market
Needs 17.1% correction for affordability
DOM: 115d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
Valuation Gap (25%)100
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)25
Days on Market (5%)100

Strong buyer leverage in 32344. If you must buy now, offer 10-15% below list price. Payment burden: 36.2% of median income. Median days on market: 115. Renting is approximately 205% cheaper than buying (price-to-rent ratio: 36.6). Market appears 36% overpriced vs. assessed values.

What to Offer

Offer 10-15% below list price. Sellers are under pressure.

Conditions most similar to late 2007 — overvaluation without corresponding income growth. Significant correction potential.
WARMINGBALANCED

Market is warming with rising prices. Conditions are balanced between buyers and sellers. Prices up 3.5% YoY.

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Market snapshoteach number, once

Median price
$311,764
▴ 3.5% YoY
Days on market
85
daily · zip_data
Median rent
$710
ZORI
Investor score
35/100
cash-flow lens
Active listings
49
90-day

Valuation3 lenses, different anchors

vs assessor
—
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+61.5%
County-wide market — the widest, slowest signal.
Jefferson+61.5%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$204
Price-to-income6.0×

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How 32344 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

22SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply31.8 mo
Days on Market85d
Inv vs History+2.9%
Listing Density10.3/1k
Market dynamics
Price cut %15.7%
Momentumwarming
LeverageBALANCED
Months of supply31.8
Sales (90d)0
Investment analysis
Median rent$710
Price-to-rent36.6
Est. cap rate1.8%
Buy vs rentfavors renting

Livability

Walk score3
Transit score—
Bike score—

Historical trends

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Jefferson County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Tallahassee Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Jefferson County