ZIP 32202 vs ZIP 32208

32202 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 27 of the 31 with a value.

2 school locations in 32202: 1 middle, 1 high.

In alphabetical order: LAVILLA SCHOOL OF THE ARTS, PRETRIAL DETENTION FACILITY. Locations only — no ratings are shown here.

32208 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 28 of the 31 with a value.

9 school locations in 32208: 5 elementary, 1 middle, 2 high, 1 other.

In alphabetical order: HENRY F. KITE ELEMENTARY SCHOOL, IDEA BASSETT, IDEA BASSETT, JEAN RIBAULT HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In June 2007 the typical home in 32202 was worth $314,418.

Values peaked at $314,540 in July 2007. The latest reading is −50.5% from that peak.

As of August 2026: $155,595, −10.6% over twelve months.

Start with the typical home: $155,595. Put 20% down and borrow $124,476 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $862 a month in principal and interest.

The median household here earns $40,070 a year, $3,339 a month. So the payment takes 25.8% 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 52.2% in 2007.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in June 2007 (6.66%) the payment was $1,616.

In December 2020, with rates at 2.68%, it was $618.

By August 2026, at 6.67%, it was $800 — +30% since December 2020, while the home's value moved −18%.

Reported values rose −51% since June 2007.

General prices (CPI-U) rose +61% over the same span.

Divide one by the other: in August 2026 dollars, the 2007 home was worth $506,948. So the real change is −69%, not −51%.

32202: −51% since June 2007.

Duval County: +53% since June 2007.

Florida: +50% since June 2007 — 32202 ran behind it by 100 points.

Against 1,098 Florida ZIP codes, 32202 sits at the 83rd percentile for affordability (price vs local income).

0th for appreciation (recent value growth); 98th for rental yield (rent vs price).

Owning the typical home costs about $1,017 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,488 a month.

Price divided by a year's rent: 8.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32208 was worth $65,784.

Values peaked at $170,266 in November 2022. The latest reading is −12.3% from that peak.

As of August 2026: $149,376, −1.8% over twelve months.

Start with the typical home: $149,376. Put 20% down and borrow $119,501 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $827 a month in principal and interest.

The median household here earns $39,873 a year, $3,323 a month. So the payment takes 24.9% 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 11.0% 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 $394.

In December 2020, with rates at 2.68%, it was $404.

By August 2026, at 6.67%, it was $768 — +90% since December 2020, while the home's value moved +20%.

Reported values rose +127% 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 $129,832. So the real change is +15%, not +127%.

32208: +127% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32208 ran behind it by 118 points.

Against 1,098 Florida ZIP codes, 32208 sits at the 88th percentile for affordability (price vs local income).

30th for appreciation (recent value growth); 97th for rental yield (rent vs price).

Owning the typical home costs about $977 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,340 a month.

Price divided by a year's rent: 9.3. 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 6 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 25.

Going out — closed sales: about 2 a month. The drain is drawn 73% narrower: the share of homes for sale that sell each month is 27% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 12.5 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 9 of the last 24 months.

Across Duval County, builders pulled permits for 6,017 new homes in 2025.

Of those, 62% 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 57 a month (Redfin, 3-month rolling data through August 2026). That is 93% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 174. That is 109% of the 2015–2019 level for the same months.

Going out — closed sales: about 37 a month. That is 85% of the 2015–2019 level for the same months. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% 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 19 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 95% of it, and below it in 17 of the last 24 months.

Across Duval County, builders pulled permits for 6,017 new homes in 2025.

Of those, 62% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Duval County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 10,163 moved in. Among the ten receiving the most, 10,635 moved out.

Net across those counties: −472 households. Beside it, homes for sale in this ZIP: 25 in June 2026.

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

This ZIP sits in Duval County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 10,163 moved in. Among the ten receiving the most, 10,635 moved out.

Net across those counties: −472 households. Beside it, homes for sale in this ZIP: 174 in June 2026.

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