Orange Park 32065

Clay County, FL · 15,127 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

65affordability /100

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

Payment burden
21.3%
affordable
Days on market
78
daily
Price cuts
30.4%
of active
Valuation
-11%
vs assessor
Look up an address
66
/100
Stable
stable · buyer advantage · prices easing year-over-year.
Price trend
35
Affordability
95
Valuation
70
Economic health
65

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

42/ 100SellerBalancedBuyer
Balanced Market
DOM: 79d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)50
Days on Market (5%)75

Balanced market in 32065. List price is roughly fair — focus on condition and value. Payment burden: 21.4% of median income. Median days on market: 79. Renting is approximately 20% cheaper than buying (price-to-rent ratio: 14.4).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLEBUYER ADVANTAGE

Market is holding steady with balanced conditions. Buyers have strong negotiating leverage. Prices down 1.6% YoY.

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Market snapshoteach number, once

Median price
$327,007
▾ 1.6% YoY
Days on market
78
daily · zip_data
Median rent
$1,891
ZORI
Investor score
68/100
cash-flow lens
Active listings
166
90-day

Valuation3 lenses, different anchors

vs assessor
-11.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$291,000
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$145
Price-to-income3.5×

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How 32065 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity37%
Supply tightness36%
Affordability95%
Investment yield57%
Appreciation54%

Affordability, supply & momentum

24SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply13.5 mo
Days on Market78d
Inv vs History-10.8%
Listing Density12.2/1k
Affordability — payment burden
Monthly payment (P&I)$1,652
Payment burden21.3%
Median income · ZIP$92,842
Mortgage rate6.49% · 30yr
Total monthly own$1,979
Monthly rent$1,891
Market dynamics
Price cut %30.4%
Momentumstable
LeverageBUYER ADVANTAGE
Months of supply13.5
Sales (90d)0
Investment analysis
Median rent$1,891
Price-to-rent14.4
Est. cap rate4.5%
Buy vs rentfavors buying

Livability

Walk score4
Transit score
Bike score

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Clay 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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