Sumter County, FL · 449 properties with county records
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Sumter 33521 is in Sumter, FL, part of the The Villages Metro. Homes that sold went under contract in a median 69 days, and 0% of listings took a price cut (Redfin Data Center, period ending Sep 30, 2026). On Lotvox's market-leverage reading of that data, with 3 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 33521 yet: it appears only where a held-out test on the county's recorded sales beats chance. Lotvox holds county assessor records for 449 properties in 33521.
Is 33521 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Sep 30, 2026, 33521 is a balanced market. Homes went under contract in a median 69 days with 3 months of supply.
What do homes in 33521 sell for?
The typical home value in 33521 is $330,000 (Zillow Home Value Index, null), up 0.0% in a year. County records put the median at about $274 per square foot (computed Apr 21, 2026).
Who is likely to sell in 33521?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 33521 has not passed that test yet. When it does, the score appears here.
How does 33521 compare to Sumter?
Lotvox does not hold enough ZIP-level values in Sumter to compare. The county page lists every covered ZIP.
Where does this 33521 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 33521 Sumter, FL, https://lotvox.com/the-villages/zip/33521
Listings Flow Ladder — 33521
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026
Thin market — under 25 active listings; ratios withheld
Faucet — new listings
—/mo
— of normal (0) · unknown· baseline thin
Basin — active listings
1
50% of normal (2) · low· baseline thin
Months of supply
3 mo
derived — not published at this grain
Drain — closed sales
0/mo
50% of normal (1)· baseline thin
Net — faucet minus drain
—
—
Reading
current
as of 2026-09-30
Compare against:2015-01-01 to 2019-12-31 · 3 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
—Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
—Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
0/mofall in the monthly rate (50%)— peak 1/mo (2025-06-30) to 0/mo now
2transactions that did not happen— summed monthly shortfall vs the same-month normal, over 5 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-09-30
Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (2 new, 5 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
41affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
39.2%
severe
Days on market
69
daily
Price cuts
0.0%
of active
Days on market and price cuts: Redfin Data Center, rolling 90 days.
Not available for this ZIP — no rent or ownership-cost estimate published here.
Rent to price
Not available for this ZIP — no price-to-rent ratio published here.
46
/100
mixed
stable · 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 / seller
buyer-timing lens
Strong Buyer's Market
Needs 23.5% correction for affordability
DOM: 34d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
Valuation Gap (25%)100
Supply & Demand (20%)100
Days on Market (5%)40
Strong buyer leverage in 33521. If you must buy now, offer 10-15% below list price. Payment burden: 36.1% of median income. Median days on market: 34. Renting is approximately 159% cheaper than buying (price-to-rent ratio: 31.1). Market appears 56% 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.
STABLEBALANCED
Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.
Address lookup
$99 report path
Look Up an Address in 33521
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Median price: Zillow Home Value Index (ZHVI). Median rent: Zillow Observed Rent Index (ZORI). Days on market and active listings: Redfin Data Center, rolling 90 days.
Valuation
3 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
+55.9%
County-wide market — the widest, slowest signal.
Sumter+55.9%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
in 2,364 · out 1,991 · Sumter County, FL (parent county of this ZIP)
active inventory
as of 2026-07-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Sumter.
Current tiers · 12 months to Aug 25floor 10 sales/tier
6 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$115k
$78
13
68.4%
ZIP
$250k–$500k
$355k
$198
3,005
—
COUNTY · Sumter, FL
$500k–$750k
$567k
$235
859
—
COUNTY · Sumter, FL
$750k–$1M
$850k
$310
310
—
COUNTY · Sumter, FL
$1M–$1.5M
$1.20M
$373
124
—
COUNTY · Sumter, FL
$1.5M–$2M
$1.63M
$447
16
—
COUNTY · Sumter, FL
$2M+
$2.60M
$541
25
—
COUNTY · Sumter, FL
All sales (the headline median)
$152k
$135
19
100%
ZIP
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 33521.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 33521→Sumter County, FL
12-Month Direction
-14Moderate Deterioration
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
37· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
39.2%
severe
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.32% · Zillow ZHVI · Census income · Updated 2026-10-22
Valuation15
+55.9%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
3 mo
balanced
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-09-30
Insurance Risk
49/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
7.9%
FL 4.5%US 4.4%
Higher than many comparable counties
Source: BLS LAUS · 2026-0857d ago
Poverty Rate
9.7%
FL 12.4%US 12.6%
Lower than most U.S. counties
Median Household Income
$73,297
FL $72,373US $82,006
Near national averages
Cost of Living (RPP)
101.2
FL 101.2US 100.3
Near national averages
Home Value (ZHVI)$389,734
County data: Zillow Home Value Index (ZHVI), BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
Typical home value: Zillow Home Value Index (ZHVI); change is the 12-month change.
Owner stock, age of householder
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
8.0% in 2023
of owner-occupied homes have a householder 75 or older
