ZIP 32011 vs ZIP 32097

32011 is one of 5 ZIP codes that lie mostly in Nassau County, FL.

Shaded by typical home value, it ranks 3 of the 5 with a value.

4 school locations in 32011: 2 elementary, 1 middle, 1 high.

In alphabetical order: CALLAHAN ELEMENTARY SCHOOL, CALLAHAN INTERMEDIATE SCHOOL, CALLAHAN MIDDLE SCHOOL, WEST NASSAU COUNTY HIGH SCHOOL. Locations only — no ratings are shown here.

32097 is one of 5 ZIP codes that lie mostly in Nassau County, FL.

Shaded by typical home value, it ranks 4 of the 5 with a value.

6 school locations in 32097: 3 elementary, 1 middle, 2 high.

In alphabetical order: NASSAU ADULT AND CAREER CENTER, WILDLIGHT ELEMENTARY, YULEE ELEMENTARY SCHOOL, YULEE HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32011 was worth $102,940.

Values peaked at $393,533 in March 2025. The latest reading is −0.4% from that peak.

As of August 2026: $391,818, +1.9% over twelve months.

Start with the typical home: $391,818. Put 20% down and borrow $313,454 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,170 a month in principal and interest.

The median household here earns $77,121 a year, $6,427 a month. So the payment takes 33.8% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 8.9% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $616.

In December 2020, with rates at 2.68%, it was $858.

By August 2026, at 6.67%, it was $2,016 — +135% since December 2020, while the home's value moved +48%.

Reported values rose +281% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $203,163. So the real change is +93%, not +281%.

32011: +281% since January 2000.

Nassau County: +264% since January 2000.

Florida: +245% since January 2000 — 32011 ran ahead of it by 36 points.

Owning the typical home costs about $2,562 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,124 a month.

Price divided by a year's rent: 15.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32097 was worth $115,101.

Values peaked at $399,384 in September 2022. The latest reading is −2.7% from that peak.

As of August 2026: $388,539, +0.7% over twelve months.

Start with the typical home: $388,539. Put 20% down and borrow $310,831 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,152 a month in principal and interest.

The median household here earns $89,270 a year, $7,439 a month. So the payment takes 28.9% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 8.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $689.

In December 2020, with rates at 2.68%, it was $899.

By August 2026, at 6.67%, it was $1,999 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +238% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $227,164. So the real change is +71%, not +238%.

32097: +238% since January 2000.

Nassau County: +264% since January 2000.

Florida: +245% since January 2000 — 32097 ran behind it by 7 points.

Owning the typical home costs about $2,541 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,049 a month.

Price divided by a year's rent: 15.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 44.

Going out — closed sales: about 8 a month. The drain is drawn 31% narrower: the share of homes for sale that sell each month is 69% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.3 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 8 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 73% of it, and below it in 11 of the last 24 months.

Across Nassau County, builders pulled permits for 1,060 new homes in 2025.

Of those, 84% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 62 a month (Redfin, 3-month rolling data through August 2026). That is 111% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 224. That is 108% of the 2015–2019 level for the same months.

Going out — closed sales: about 65 a month. That is 117% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 65 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 44 — so sales ran at 148% of it, and below it in 5 of the last 24 months.

Across Nassau County, builders pulled permits for 1,060 new homes in 2025.

Of those, 84% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Nassau County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,685 moved in. Among the ten receiving the most, 1,331 moved out.

Net across those counties: +354 households. Beside it, homes for sale in this ZIP: 44 in June 2026.

Most arrivals came from Duval, FL (1,077 households); most departures went to Duval, FL (815).

This ZIP sits in Nassau County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,685 moved in. Among the ten receiving the most, 1,331 moved out.

Net across those counties: +354 households. Beside it, homes for sale in this ZIP: 224 in June 2026.

Most arrivals came from Duval, FL (1,077 households); most departures went to Duval, FL (815).