Lotvox market story · compare
ZIP 32046 vs ZIP 32097
1 of 4
Who's going to sell
Turnover Index not published for 32046 yet.
Where
32046 in Nassau County, FL
32046 is one of 5 ZIP codes that lie mostly in Nassau County, FL.
Shaded by typical home value, it ranks 5 of the 5 with a value.
- Value rank in county
- 5 of 5
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32046
2 school locations in 32046: 1 elementary, 1 high.
In alphabetical order: HILLIARD ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.
- School locations
- 2
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 32097 yet.
Where
32097 in Nassau County, FL
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.
- Value rank in county
- 4 of 5
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 32097
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.
- School locations
- 6
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 32046
In January 2000 the typical home in 32046 was worth $84,167.
Values peaked at $363,692 in August 2026. The latest reading is the peak.
As of August 2026: $363,692, +3.2% over twelve months.
- Typical home value
- $363,692
- 12-month change
- +3.2%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $363,692. Put 20% down and borrow $290,954 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,015 a month in principal and interest.
The median household here earns $71,750 a year, $5,979 a month. So the payment takes 33.7% 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 7.8% in 2000.
- Payment share of income
- 33.7%
- Monthly P&I
- $2,015
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $504.
In December 2020, with rates at 2.68%, it was $818.
By August 2026, at 6.67%, it was $1,871 — +129% since December 2020, while the home's value moved +44%.
- Payment change since 2020
- +129%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +332% 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 $166,112. So the real change is +119%, not +332%.
- Real change since 2000
- +119%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32046 against its neighbors
32046: +332% since January 2000.
Nassau County: +264% since January 2000.
Florida: +245% since January 2000 — 32046 ran ahead of it by 87 points.
- Change since 2000
- +332%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,378 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $808 a month.
Price divided by a year's rent: 37.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 37.5
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 32097
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.
- Typical home value
- $388,539
- 12-month change
- +0.7%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
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.
- Payment share of income
- 28.9%
- Monthly P&I
- $2,152
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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%.
- Payment change since 2020
- +122%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
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%.
- Real change since 2000
- +71%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
32097 against its neighbors
32097: +238% since January 2000.
Nassau County: +264% since January 2000.
Florida: +245% since January 2000 — 32097 ran behind it by 7 points.
- Change since 2000
- +238%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
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.
- Price-to-rent
- 15.8
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 7 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 5 — so sales ran at 140% of it, and below it in 0 of the last 24 months.
- Sales vs 2015–19 level
- 140%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 1,060
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Listings Flow Ladder
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.
- Months of supply
- 3.4
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
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.
- Sales vs 2015–19 level
- 148%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 1,060
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
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: 24 in June 2026.
Most arrivals came from Duval, FL (1,077 households); most departures went to Duval, FL (815).
- Net households (top-10 flows)
- +354
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
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).
- Net households (top-10 flows)
- +354
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01