ZIP 32086 vs ZIP 32084

32086 is one of 10 ZIP codes that lie mostly in St. Johns County, FL.

Shaded by typical home value, it ranks 8 of the 10 with a value.

4 school locations in 32086: 2 elementary, 1 middle, 1 high.

In alphabetical order: GAMBLE ROGERS MIDDLE SCHOOL, OTIS A. MASON ELEMENTARY SCHOOL, PEDRO MENENDEZ HIGH SCHOOL, W. DOUGLAS HARTLEY ELEMENTARY. Locations only — no ratings are shown here.

32084 is one of 10 ZIP codes that lie mostly in St. Johns County, FL.

Shaded by typical home value, it ranks 9 of the 10 with a value.

29 school locations in 32084: 6 elementary, 6 middle, 15 high, 2 other.

In alphabetical order: BEACHSIDE HIGH SCHOOL, BLIND HIGH SCHOOL (FSDB), BLIND PK-8 SCHOOL (FSDB), CROOKSHANK ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32086 was worth $116,944.

Values peaked at $391,838 in April 2024. The latest reading is −6.1% from that peak.

As of August 2026: $367,850, −1.3% over twelve months.

Start with the typical home: $367,850. Put 20% down and borrow $294,280 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,038 a month in principal and interest.

The median household here earns $74,508 a year, $6,209 a month. So the payment takes 32.8% 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 10.4% 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 $700.

In December 2020, with rates at 2.68%, it was $858.

By August 2026, at 6.67%, it was $1,892 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +215% 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 $230,801. So the real change is +59%, not +215%.

32086: +215% since January 2000.

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

Florida: +245% since January 2000 — 32086 ran behind it by 30 points.

Owning the typical home costs about $2,405 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,976 a month.

Price divided by a year's rent: 15.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32084 was worth $95,629.

Values peaked at $372,947 in August 2022. The latest reading is −6.5% from that peak.

As of August 2026: $348,865, −0.4% over twelve months.

Start with the typical home: $348,865. Put 20% down and borrow $279,092 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,932 a month in principal and interest.

The median household here earns $72,965 a year, $6,080 a month. So the payment takes 31.8% 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 8.7% 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 $573.

In December 2020, with rates at 2.68%, it was $809.

By August 2026, at 6.67%, it was $1,795 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +265% 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 $188,734. So the real change is +85%, not +265%.

32084: +265% since January 2000.

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

Florida: +245% since January 2000 — 32084 ran ahead of it by 20 points.

Owning the typical home costs about $2,281 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,772 a month.

Price divided by a year's rent: 16.4. 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 66 a month (Redfin, 3-month rolling data through August 2026). That is 75% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 254. That is 95% of the 2015–2019 level for the same months.

Going out — closed sales: about 58 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 24% narrower: the share of homes for sale that sell each month is 76% 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 58 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 79 — so sales ran at 73% of it, and below it in 24 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 97 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: 367. That is 114% of the 2015–2019 level for the same months.

Going out — closed sales: about 87 a month. That is 97% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.2 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 87 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 76 — so sales ran at 114% of it, and below it in 3 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: 254 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: 367 in June 2026.

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