ZIP 32081 vs ZIP 32259

32081 is one of 10 ZIP codes that lie mostly in St. Johns County, FL — 90% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 10 with a value.

4 school locations in 32081: 2 middle, 2 high.

In alphabetical order: PALM VALLEY ACADEMY, PONTE VEDRA HIGH SCHOOL, VALLEY RIDGE ACADEMY, and more on the ZIP page. Locations only — no ratings are shown here.

32259 is one of 10 ZIP codes that lie mostly in St. Johns County, FL — 99% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 10 with a value.

11 school locations in 32259: 4 elementary, 4 middle, 3 high.

In alphabetical order: BARTRAM TRAIL HIGH SCHOOL, CREEKSIDE HIGH SCHOOL, CUNNINGHAM CREEK ELEMENTARY SCHOOL, DURBIN CREEK ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2006 the typical home in 32081 was worth $412,549.

Values peaked at $729,872 in August 2022. The latest reading is −9.6% from that peak.

As of August 2026: $660,149, −1.5% over twelve months.

Start with the typical home: $660,149. Put 20% down and borrow $528,119 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,657 a month in principal and interest.

The median household here earns $128,316 a year, $10,693 a month. So the payment takes 34.2% 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 21.4% in 2006.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2006 (6.15%) the payment was $2,010.

In December 2020, with rates at 2.68%, it was $1,510.

By August 2026, at 6.67%, it was $3,396 — +125% since December 2020, while the home's value moved +42%.

Reported values rose +60% since January 2006.

General prices (CPI-U) rose +68% over the same span.

Divide one by the other: in August 2026 dollars, the 2006 home was worth $691,648. So the real change is −5%, not +60%.

32081: +60% since January 2006.

St. Johns County: +56% since January 2006.

Florida: +57% since January 2006 — 32081 ran ahead of it by 3 points.

Against 1,098 Florida ZIP codes, 32081 sits at the 41st percentile for affordability (price vs local income).

40th for appreciation (recent value growth); 14th for rental yield (rent vs price).

Owning the typical home costs about $4,317 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,399 a month.

Price divided by a year's rent: 22.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32259 was worth $196,011.

Values peaked at $581,520 in August 2022. The latest reading is −6.6% from that peak.

As of August 2026: $543,020, −1.5% over twelve months.

Start with the typical home: $543,020. Put 20% down and borrow $434,416 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,008 a month in principal and interest.

The median household here earns $144,168 a year, $12,014 a month. So the payment takes 25.0% 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 9.0% 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 $1,174.

In December 2020, with rates at 2.68%, it was $1,254.

By August 2026, at 6.67%, it was $2,794 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +177% 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 $386,848. So the real change is +40%, not +177%.

32259: +177% since January 2000.

St. Johns County: +208% since January 2000.

Florida: +245% since January 2000 — 32259 ran behind it by 68 points.

Against 1,098 Florida ZIP codes, 32259 sits at the 88th percentile for affordability (price vs local income).

37th for appreciation (recent value growth); 15th for rental yield (rent vs price).

Owning the typical home costs about $3,551 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,032 a month.

Price divided by a year's rent: 22.3. 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 77 a month (Redfin, 3-month rolling data through August 2026). That is 69% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 250. That is 74% of the 2015–2019 level for the same months.

Going out — closed sales: about 95 a month. That is 94% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.6 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 18 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 95 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 86 — so sales ran at 110% of it, and below it in 19 of the last 24 months.

Across St. Johns County, builders pulled permits for 4,735 new homes in 2025.

Of those, 75% 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 147 a month (Redfin, 3-month rolling data through August 2026). That is 92% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 414. That is 92% of the 2015–2019 level for the same months.

Going out — closed sales: about 142 a month. That is 92% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.9 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 142 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 118 — so sales ran at 120% of it, and below it in 13 of the last 24 months.

Across St. Johns County, builders pulled permits for 4,735 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in St. Johns County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,437 moved in. Among the ten receiving the most, 4,421 moved out.

Net across those counties: +1,016 households. Beside it, homes for sale in this ZIP: 250 in June 2026.

Most arrivals came from Duval, FL (3,393 households); most departures went to Duval, FL (2,618).

This ZIP sits in St. Johns County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,437 moved in. Among the ten receiving the most, 4,421 moved out.

Net across those counties: +1,016 households. Beside it, homes for sale in this ZIP: 414 in June 2026.

Most arrivals came from Duval, FL (3,393 households); most departures went to Duval, FL (2,618).

County assessor records list 63 properties with a market value here. Their average assessed market value is $314,800; the typical home value is $543,020.

The assessor average sits −42.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.