ZIP 32073 vs ZIP 32656

32073 is one of 7 ZIP codes that lie mostly in Clay County, FL.

Shaded by typical home value, it ranks 5 of the 6 with a value.

13 school locations in 32073: 9 middle, 4 high.

In alphabetical order: ARGYLE ELEMENTARY SCHOOL, CLAY VIRTUAL ACADEMY, CLAY VIRTUAL FRANCHISE, CLAY VIRTUAL INSTRUCTION PROGRAM, and more on the ZIP page. Locations only — no ratings are shown here.

32656 is one of 7 ZIP codes that lie mostly in Clay County, FL — 95% of its own area is in the county.

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

3 school locations in 32656: 2 middle, 1 high.

In alphabetical order: KEYSTONE HEIGHTS ELEMENTARY, MCRAE ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32073 was worth $97,836.

Values peaked at $317,672 in October 2022. The latest reading is −5.8% from that peak.

As of August 2026: $299,167, −0.6% over twelve months.

Start with the typical home: $299,167. Put 20% down and borrow $239,334 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,657 a month in principal and interest.

The median household here earns $76,139 a year, $6,345 a month. So the payment takes 26.1% 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 8.5% 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 $586.

In December 2020, with rates at 2.68%, it was $719.

By August 2026, at 6.67%, it was $1,539 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +206% 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 $193,089. So the real change is +55%, not +206%.

32073: +206% since January 2000.

Clay County: +203% since January 2000.

Florida: +245% since January 2000 — 32073 ran behind it by 39 points.

Against 1,098 Florida ZIP codes, 32073 sits at the 85th percentile for affordability (price vs local income).

48th for appreciation (recent value growth); 40th for rental yield (rent vs price).

Owning the typical home costs about $1,956 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,486 a month.

Price divided by a year's rent: 16.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32656 was worth $83,504.

Values peaked at $286,328 in August 2026. The latest reading is the peak.

As of August 2026: $286,328, +3.2% over twelve months.

Start with the typical home: $286,328. Put 20% down and borrow $229,062 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,586 a month in principal and interest.

The median household here earns $73,201 a year, $6,100 a month. So the payment takes 26.0% 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 7.6% 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 $500.

In December 2020, with rates at 2.68%, it was $620.

By August 2026, at 6.67%, it was $1,473 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +243% 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 $164,804. So the real change is +74%, not +243%.

32656: +243% since January 2000.

Clay County: +203% since January 2000.

Florida: +245% since January 2000 — 32656 ran behind it by 2 points.

Against 1,098 Florida ZIP codes, 32656 sits at the 85th percentile for affordability (price vs local income).

91st for appreciation (recent value growth); 48th for rental yield (rent vs price).

Owning the typical home costs about $1,872 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,625 a month.

Price divided by a year's rent: 14.7. 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 60 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 159. That is 103% of the 2015–2019 level for the same months.

Going out — closed sales: about 49 a month. That is 77% of the 2015–2019 level for the same months. The drain is drawn 27% narrower: the share of homes for sale that sell each month is 73% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.3 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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 49 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 56 — so sales ran at 88% of it, and below it in 24 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 19 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 78.

Going out — closed sales: about 12 a month. The drain is drawn 12% narrower: the share of homes for sale that sell each month is 88% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.3 months of supply — above 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 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 100% of it, and below it in 10 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: 159 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: 78 in June 2026.

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