Jacksonville 32221

Duval County, FL · 12,511 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

64affordability /100

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

Payment burden
21.8%
affordable
Days on market
53
daily
Price cuts
25.8%
of active
Valuation
-8.8%
vs assessor
Look up an address
66
/100
Stable
cooling · buyer advantage · prices easing year-over-year.
Price trend
35
Affordability
95
Valuation
70
Economic health
64

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

39/ 100SellerBalancedBuyer
Seller's Market
DOM: 109d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)75
Days on Market (5%)100

Seller-favored market in 32221. Expect to pay at or near list price. Payment burden: 21.8% of median income. Median days on market: 109. Renting is approximately 3% cheaper than buying (price-to-rent ratio: 12.4).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGBUYER ADVANTAGE

Market is cooling with expanding inventory. Buyers have strong negotiating leverage. Prices down 2.1% YoY.

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Market snapshoteach number, once

Median price
$297,077
▾ 2.1% YoY
Days on market
53
daily · zip_data
Median rent
$1,996
ZORI
Investor score
75/100
cash-flow lens
Active listings
114
90-day

Valuation3 lenses, different anchors

vs assessor
-8.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$271,050
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$116
Price-to-income3.6×

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How 32221 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity71%
Supply tightness0%
Affordability93%
Investment yield82%
Appreciation44%

Affordability, supply & momentum

34SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply13.6 mo
Days on Market53d
Inv vs History-19.4%
Listing Density10.6/1k
Affordability — payment burden
Monthly payment (P&I)$1,501
Payment burden21.8%
Median income · ZIP$82,571
Mortgage rate6.49% · 30yr
Total monthly own$1,798
Monthly rent$1,996
Market dynamics
Price cut %25.8%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply13.6
Sales (90d)0
Investment analysis
Median rent$1,996
Price-to-rent12.4
Est. cap rate5.2%
Buy vs rentfavors buying

Livability

Walk score2
Transit score2
Bike score—

Historical trends

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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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Jacksonville Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Duval County