ZIP 32095 vs ZIP 32092

32095 is one of 10 ZIP codes that lie mostly in St. Johns County, FL.

Shaded by typical home value, it ranks 5 of the 10 with a value.

4 school locations in 32095: 1 elementary, 1 middle, 2 high.

In alphabetical order: PALENCIA ELEMENTARY SCHOOL, PINE ISLAND ACADEMY, ST. JOHNS COUNTY JAIL (DJJ), ST JOHNS COUNTY JUVENILE RESIDENTIAL AT ST. JOHNS YOUTH ACAD. Locations only — no ratings are shown here.

32092 is one of 10 ZIP codes that lie mostly in St. Johns County, FL.

Shaded by typical home value, it ranks 6 of the 10 with a value.

6 school locations in 32092: 3 elementary, 2 middle, 1 other.

In alphabetical order: K-8 SCHOOL NN, MILL CREEK ACADEMY, PACETTI BAY MIDDLE SCHOOL, PICOLATA CROSSING ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32095 was worth $193,447.

Values peaked at $554,143 in August 2022. The latest reading is −10.1% from that peak.

As of August 2026: $498,380, −1.5% over twelve months.

Start with the typical home: $498,380. Put 20% down and borrow $398,704 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,761 a month in principal and interest.

The median household here earns $124,556 a year, $10,380 a month. So the payment takes 26.6% 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 10.3% 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 $1,158.

In December 2020, with rates at 2.68%, it was $1,154.

By August 2026, at 6.67%, it was $2,564 — +122% since December 2020, while the home's value moved +40%.

Reported values rose +158% 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 $381,788. So the real change is +31%, not +158%.

32095: +158% since January 2000.

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

Florida: +245% since January 2000 — 32095 ran behind it by 87 points.

Owning the typical home costs about $3,259 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,169 a month.

Price divided by a year's rent: 19.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32092 was worth $157,698.

Values peaked at $525,051 in August 2022. The latest reading is −11.6% from that peak.

As of August 2026: $464,115, −2.6% over twelve months.

Start with the typical home: $464,115. Put 20% down and borrow $371,292 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,571 a month in principal and interest.

The median household here earns $122,655 a year, $10,221 a month. So the payment takes 25.2% 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 $944.

In December 2020, with rates at 2.68%, it was $1,113.

By August 2026, at 6.67%, it was $2,388 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +194% 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 $311,233. So the real change is +49%, not +194%.

32092: +194% since January 2000.

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

Florida: +245% since January 2000 — 32092 ran behind it by 51 points.

Owning the typical home costs about $3,035 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,315 a month.

Price divided by a year's rent: 16.7. 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 61 a month (Redfin, 3-month rolling data through August 2026). That is 108% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 237. That is 110% of the 2015–2019 level for the same months.

Going out — closed sales: about 63 a month. That is 131% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.8 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 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 63 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 37 — so sales ran at 170% of it, and below it in 0 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 182 a month (Redfin, 3-month rolling data through August 2026). That is 139% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 530. That is 122% of the 2015–2019 level for the same months.

Going out — closed sales: about 181 a month. That is 141% 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 181 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 99 — so sales ran at 183% of it, and below it in 0 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: 237 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: 530 in June 2026.

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