ZIP 32063 vs ZIP 32087

32063 is one of 4 ZIP codes that lie mostly in Baker County, FL.

Shaded by typical home value, it ranks 2 of the 3 with a value.

8 school locations in 32063: 5 elementary, 1 middle, 1 high, 1 other.

In alphabetical order: BAKER COUNTY MIDDLE SCHOOL, BAKER COUNTY VIRTUAL FRANCHISE, BAKER VIRTUAL INSTRUCTION PROGRAM, BAKER VIRTUAL INSTRUCTION PROGRAM (DISTRICT PROVIDED), and more on the ZIP page. Locations only — no ratings are shown here.

32087 is one of 4 ZIP codes that lie mostly in Baker County, FL.

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

In March 2004 the typical home in 32063 was worth $144,543.

Values peaked at $302,034 in August 2026. The latest reading is the peak.

As of August 2026: $302,034, +3.3% over twelve months.

Start with the typical home: $302,034. Put 20% down and borrow $241,627 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,673 a month in principal and interest.

The median household here earns $66,453 a year, $5,538 a month. So the payment takes 30.2% 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 14.5% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in March 2004 (5.45%) the payment was $653.

In December 2020, with rates at 2.68%, it was $703.

By August 2026, at 6.67%, it was $1,554 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +109% since March 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $258,131. So the real change is +17%, not +109%.

32063: +109% since March 2004.

Baker County: +115% since March 2004.

Florida: +133% since March 2004 — 32063 ran behind it by 24 points.

Owning the typical home costs about $1,975 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $998 a month.

Price divided by a year's rent: 25.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In March 2004 the typical home in 32087 was worth $112,242.

Values peaked at $272,833 in August 2026. The latest reading is the peak.

As of August 2026: $272,833, +8.5% over twelve months.

Start with the typical home: $272,833. Put 20% down and borrow $218,266 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,511 a month in principal and interest.

The median household here earns $74,286 a year, $6,191 a month. So the payment takes 24.4% 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 10.0% in 2004.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in March 2004 (5.45%) the payment was $507.

In December 2020, with rates at 2.68%, it was $658.

By August 2026, at 6.67%, it was $1,404 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +143% since March 2004.

General prices (CPI-U) rose +79% over the same span.

Divide one by the other: in August 2026 dollars, the 2004 home was worth $200,446. So the real change is +36%, not +143%.

32087: +143% since March 2004.

Baker County: +115% since March 2004.

Florida: +133% since March 2004 — 32087 ran ahead of it by 11 points.

Owning the typical home costs about $1,784 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $783 a month.

Price divided by a year's rent: 29.0. 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 14 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 52.

Going out — closed sales: about 11 a month. The drain is drawn 29% narrower: the share of homes for sale that sell each month is 71% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 15 — so sales ran at 73% of it, and below it in 21 of the last 24 months.

Across Baker County, builders pulled permits for 121 new homes in 2025.

Of those, 82% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 7 of the last 24 months.

Across Baker County, builders pulled permits for 121 new homes in 2025.

Of those, 82% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Baker County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 406 moved in. Among the ten receiving the most, 323 moved out.

Net across those counties: +83 households. Beside it, homes for sale in this ZIP: 52 in June 2026.

Most arrivals came from Duval, FL (267 households); most departures went to Duval, FL (188).

This ZIP sits in Baker County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 406 moved in. Among the ten receiving the most, 323 moved out.

Net across those counties: +83 households. Beside it, homes for sale in this ZIP: 11 in June 2026.

Most arrivals came from Duval, FL (267 households); most departures went to Duval, FL (188).