Jacksonville 32204

Duval County, FL · 4,207 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

41affordability /100

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

Payment burden
35.7%
stretched
Days on market
54
daily
Price cuts
29.3%
of active
Valuation
+30.7%
vs assessor
Look up an address
39
/100
Weak
cooling · buyer advantage · prices easing year-over-year.
Price trend
35
Affordability
45
Valuation
35
Economic health
41

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

51/ 100SellerBalancedBuyer
Balanced Market
Needs 16% correction for affordability
DOM: 80d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)50
Days on Market (5%)75

Balanced market in 32204. List price is roughly fair — focus on condition and value. Payment burden: 35.7% of median income. Median days on market: 80. Renting is approximately 33% cheaper than buying (price-to-rent ratio: 16.0).

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

Market is cooling with expanding inventory. Buyers have strong negotiating leverage. Prices down 1.4% YoY.

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Market snapshoteach number, once

Median price
$320,812
▾ 1.4% YoY
Days on market
54
daily · zip_data
Median rent
$1,674
ZORI
Investor score
61/100
cash-flow lens
Active listings
54
90-day

Valuation3 lenses, different anchors

vs assessor
+30.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$419,230
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+65.0%
County-wide market — the widest, slowest signal.
Duval+65.0%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$188
Price-to-income5.9×

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How 32204 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity70%
Supply tightness36%
Affordability24%
Investment yield44%
Appreciation57%

Affordability, supply & momentum

26SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply22.4 mo
Days on Market54d
Inv vs History+9.5%
Listing Density12.4/1k
Affordability — payment burden
Monthly payment (P&I)$1,621
Payment burden35.7%
Median income · ZIP$54,462
Mortgage rate6.49% · 30yr
Total monthly own$1,941
Monthly rent$1,674
Market dynamics
Price cut %29.3%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply22.4
Sales (90d)0
Investment analysis
Median rent$1,674
Price-to-rent16.0
Est. cap rate4.1%
Buy vs rentneutral

Livability

Walk score17
Transit score3
Bike score

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Duval 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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