ZIP 32043 vs ZIP 32068

32043 is one of 7 ZIP codes that lie mostly in Clay County, FL — 93% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 6 with a value.

13 school locations in 32043: 5 middle, 5 high, 3 other.

In alphabetical order: AMIKIDS CLAY COUNTY, CHARLES E. BENNETT ELEMENTARY SCHOOL, CLAY HIGH SCHOOL, CONTRACTED RESIDENTIAL SERVICES, and more on the ZIP page. Locations only — no ratings are shown here.

32068 is one of 7 ZIP codes that lie mostly in Clay County, FL.

Shaded by typical home value, it ranks 3 of the 6 with a value.

10 school locations in 32068: 9 middle, 1 high.

In alphabetical order: CLAY CHARTER ACADEMY, COPPERGATE ELEMENTARY SCHOOL, DOCTORS INLET ELEMENTARY SCHOOL, J.L. WILKINSON ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32043 was worth $106,824.

Values peaked at $366,761 in September 2022. The latest reading is −6.0% from that peak.

As of August 2026: $344,691, −0.7% over twelve months.

Start with the typical home: $344,691. Put 20% down and borrow $275,753 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,909 a month in principal and interest.

The median household here earns $80,698 a year, $6,725 a month. So the payment takes 28.4% 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 8.8% 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 $640.

In December 2020, with rates at 2.68%, it was $816.

By August 2026, at 6.67%, it was $1,773 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +223% 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 $210,828. So the real change is +63%, not +223%.

32043: +223% since January 2000.

Clay County: +203% since January 2000.

Florida: +245% since January 2000 — 32043 ran behind it by 22 points.

Against 1,098 Florida ZIP codes, 32043 sits at the 73rd percentile for affordability (price vs local income).

48th for appreciation (recent value growth); 68th for rental yield (rent vs price).

Owning the typical home costs about $2,254 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,224 a month.

Price divided by a year's rent: 12.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32068 was worth $102,763.

Values peaked at $349,031 in September 2022. The latest reading is −6.1% from that peak.

As of August 2026: $327,605, −0.7% over twelve months.

Start with the typical home: $327,606. Put 20% down and borrow $262,085 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,815 a month in principal and interest.

The median household here earns $82,410 a year, $6,868 a month. So the payment takes 26.4% of income — rated “affordable” (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 8.3% 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 $615.

In December 2020, with rates at 2.68%, it was $783.

By August 2026, at 6.67%, it was $1,685 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +219% 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 $202,813. So the real change is +62%, not +219%.

32068: +219% since January 2000.

Clay County: +203% since January 2000.

Florida: +245% since January 2000 — 32068 ran behind it by 26 points.

Against 1,098 Florida ZIP codes, 32068 sits at the 83rd percentile for affordability (price vs local income).

48th for appreciation (recent value growth); 64th for rental yield (rent vs price).

Owning the typical home costs about $2,142 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,997 a month.

Price divided by a year's rent: 13.7. 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 103 a month (Redfin, 3-month rolling data through August 2026). That is 179% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 365. That is 213% of the 2015–2019 level for the same months.

Going out — closed sales: about 96 a month. That is 206% of the 2015–2019 level for the same months. The drain is drawn 3% narrower: the share of homes for sale that sell each month is 97% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.8 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 96 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 44 — so sales ran at 218% of it, and below it in 0 of the last 24 months.

Across Clay County, builders pulled permits for 1,522 new homes in 2025.

Of those, 81% 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 101 a month (Redfin, 3-month rolling data through August 2026). That is 115% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 361. That is 140% of the 2015–2019 level for the same months.

Going out — closed sales: about 81 a month. That is 93% of the 2015–2019 level for the same months. The drain is drawn 34% narrower: the share of homes for sale that sell each month is 66% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.4 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 20 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 81 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 80 — so sales ran at 101% of it, and below it in 9 of the last 24 months.

Across Clay County, builders pulled permits for 1,522 new homes in 2025.

Of those, 81% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Clay County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,900 moved in. Among the ten receiving the most, 4,273 moved out.

Net across those counties: +627 households. Beside it, homes for sale in this ZIP: 365 in June 2026.

Most arrivals came from Duval, FL (3,450 households); most departures went to Duval, FL (2,884).

This ZIP sits in Clay County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,900 moved in. Among the ten receiving the most, 4,273 moved out.

Net across those counties: +627 households. Beside it, homes for sale in this ZIP: 361 in June 2026.

Most arrivals came from Duval, FL (3,450 households); most departures went to Duval, FL (2,884).