Green Cove Springs 32043

Clay County, FL · 20,091 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

57affordability /100

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

Payment burden
25.9%
affordable
Days on market
83
daily
Price cuts
27.8%
of active
Valuation
-12.8%
vs assessor
Look up an address
62
/100
Stable
stable · seller slight · prices easing year-over-year.
Price trend
35
Affordability
85
Valuation
70
Economic health
57

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

60/ 100SellerBalancedBuyer
Negotiate Hard
DOM: 96d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)60
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 32043. Room to negotiate 5-10% below list. Payment burden: 25.9% of median income. Median days on market: 96. Renting is approximately 13% cheaper than buying (price-to-rent ratio: 13.6).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge. Prices down 1.3% YoY.

Address lookup$99 report path

Look Up an Address in 32043

Just type the street — we'll auto-scope the search to ZIP 32043.

Actions
Export, share, or compare this ZIP
Compare
Get alerts when this market changes

Market snapshoteach number, once

Median price
$344,906
▾ 1.3% YoY
Days on market
83
daily · zip_data
Median rent
$2,109
ZORI
Investor score
73/100
cash-flow lens
Active listings
376
90-day

Valuation3 lenses, different anchors

vs assessor
-12.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$300,700
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+67.5%
County-wide market — the widest, slowest signal.
Clay+67.5%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$315
Price-to-income4.3×

Unlock Vacancy Data

Available with Lotvox Pro — $29/mo.

Start free trial
How 32043 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity31%
Supply tightness0%
Affordability73%
Investment yield68%
Appreciation59%

Affordability, supply & momentum

13SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply19.3 mo
Days on Market83d
Inv vs History-7.3%
Listing Density32.1/1k
Affordability — payment burden
Monthly payment (P&I)$1,742
Payment burden25.9%
Median income · ZIP$80,698
Mortgage rate6.49% · 30yr
Total monthly own$2,087
Monthly rent$2,109
Market dynamics
Price cut %27.8%
Momentumstable
LeverageSELLER SLIGHT
Months of supply19.3
Sales (90d)0
Investment analysis
Median rent$2,109
Price-to-rent13.6
Est. cap rate4.8%
Buy vs rentfavors buying

Livability

Walk score4
Transit score1
Bike score—

Historical trends

Unlock Historical Trends

Available with Lotvox Pro — $29/mo.

Start free trial

Clay County contextmacro · jobs · debt · migration

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

Unlock County Economic Data

Available with Lotvox Pro — $29/mo.

Start free trial

Nearby ZIP codes

32140
Florahome
$218,770
+2.8%
32656
Keystone Heights
$287,138
+3.0%
32666
Melrose
$320,114
+2.8%
32003
Fleming Island
$442,502
-0.9%
Jacksonville Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Clay County