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Sarah Mitchell
Compass Real Estate · ZIP 32976
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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32976 ZIP Code Housing Market
The typical home in ZIP code 32976 is worth $221,805, fell 4.6% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published for this ZIP was $454,000, +13.6% year over year (through May 2026). With homes going under contract in about 121 days, 32976 is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down works out to about $1,140/mo in principal and interest.
Key numbers for ZIP code 32976
Typical home value
$221,805
-4.6% in 12 months
Zillow, July 2026
Median sale price
$454,000
+13.6% year over year
Redfin, through March 2026
Days on market
121
Slow-moving
Redfin, through March 2026
Active listings
13
Redfin, through March 2026
Sale-to-list ratio
94.0%
Selling below asking
Redfin, through March 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$46,712
Home costs 4.7x income
U.S. Census ACS, 2024
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current.
Is the 32976 ZIP code a buyer's or seller's market?
ZIP code 32976 is a buyer's market and homes selling in about 121 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
What are the latest 32976 housing market stats?
Redfin's final published month for this ZIP code. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $454,000 |
| Median list price | $275,000 |
| Year-over-year price change | +13.6% |
| Median price per sq ft | $237/sq ft |
| Median days on market | 121 days |
| Active inventory | 13 listings |
| Sale-to-list price ratio | 94.0% |
| Homes sold (that month) | 12 |
| Market condition | Buyer's market |
Reading these: months of supply is how long it would take to sell every active listing at the current pace (under 4 months of supply tilts toward sellers, 4 to 5 months is the neutral band, and above 5 months tilts toward buyers — above 7 months is a glut.). Days on market is the median time from listing to accepted offer. Sale-to-list ratio above 100% means bidding over asking is normal here. Price per square foot lets you compare differently sized homes, but it should not be used to value your own.
How have 32976 home prices moved?
Over the three years through Redfin's final published month, the median sale price in 32976 rose 3.2%, from $439,800 to $454,000. The live Zillow value series has fell 4.6% in the last 12 months — the more current read now that the Redfin series has stopped. ZIP-level medians swing harder than citywide ones because far fewer homes sell in a month; read the shape of the line, not any single point.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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How does 32976 compare to Micco, FL?
32976 sits about 2.7 miles from downtown Micco, but we do not hold ZIP and citywide sale rows for the same period, so putting the two numbers side by side would be comparing different months. The Micco, FL housing market page has the citywide figures, and the comparison tool puts any two markets against each other.
What does it cost to buy a home in 32976?
Priced off the typical home value of $221,805 at the current 6.66% 30-year fixed rate. Principal and interest only — property taxes, insurance, HOA dues and mortgage insurance are on top and vary too much by property for us to guess.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $44,361 | $177,444 | $1,140/mo |
| 5% | $11,090 | $210,715 | $1,354/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
Lenders generally want housing costs under 28% of gross income, so the 20%-down payment of $1,140 implies roughly $48,870 a year before taxes and insurance. The median household in this ZIP earns $46,712, about $2,158 short of it — which is why down payment size, not price, usually decides who buys here. Price-to-income runs 4.7x.
Run it with your own numbers: affordability calculator · mortgage calculator · rent vs. buy calculator
Who lives in 32976?
American Community Survey estimates for this ZIP code tabulation area. U.S. Census ACS, 2024
Population
9,156
Households
5,297
Median income
$46,712/yr
Median age
67.8 years
Owner-occupied
92.1%
Median home value
$175,400
Median gross rent
$1,430/mo
Mean commute
10 min
92.1% of occupied homes in this ZIP are owner-occupied — the share that decides how much of the local housing stock ever reaches the for-sale market.
Homes for sale in 32976
The last count we hold for 32976 is 13 active listings, with a median asking price of $275,000 (Redfin, through May 2026). Properties Incorporated is a data platform, not a listing portal — we publish what homes cost and how fast they move, and we point you at the portals for the inventory itself. Tell us what you are looking for and we will send the Micco, FL listings that match instead.
32976 housing market FAQ
How much do homes cost in 32976?
The typical home in ZIP code 32976 is worth $221,805 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published for this ZIP was $454,000, about $237 per square foot (through May 2026).
Is 32976 a buyer's or seller's market?
ZIP code 32976 reads as a buyer's market on the supply and pace-of-sale data we hold. Redfin's ZIP-level series stopped in June 2026, so this classification is frozen rather than live.
Is 32976 cheaper than Micco, FL?
32976 sits in the Micco, FL area, but we do not hold ZIP and citywide sale rows for the same period, so a direct price comparison would be mixing months. The Micco, FL page shows the citywide figures we do have.
What income do you need to buy a home in 32976?
At the current 30-year fixed rate of 6.66%, 20% down on a $221,805 home is about $1,140 a month in principal and interest. Under the standard 28% front-end rule that implies roughly $48,870 in gross annual income, before property taxes, insurance, HOA dues or mortgage insurance. Census puts the median household income in this ZIP at $46,712.
Are home prices rising in 32976?
The typical home value in 32976 fell 4.6% over the last 12 months, from $232,463 to $221,805 (Zillow, July 2026). Zillow's index still refreshes monthly, so this is the current read.
What data do you publish for ZIP code 32976?
Zillow's Home Value Index and Observed Rent Index (monthly, current), Redfin's median sale price, days on market, inventory and months of supply (final period May 2026), U.S. Census ACS demographics, NCES public school records, and Freddie Mac's 30-year fixed rate via FRED for the affordability math. Every figure on this page carries its source and period. Properties Incorporated publishes market data; it does not list homes and does not give financial advice.
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