ZIP 32206 vs ZIP 32254

32206 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 29 of the 31 with a value.

10 school locations in 32206: 3 elementary, 3 middle, 4 high.

In alphabetical order: ANDREW A. ROBINSON ELEMENTARY SCHOOL, ANDREW JACKSON HIGH SCHOOL, DUVAL REGIONAL JUVENILE DETENTION CENTER, GATEWAY COMMUNITY SERVICES, and more on the ZIP page. Locations only — no ratings are shown here.

32254 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 30 of the 31 with a value.

10 school locations in 32254: 5 elementary, 2 middle, 3 high.

In alphabetical order: ANNIE R. MORGAN ELEMENTARY SCHOOL, BILTMORE ELEMENTARY SCHOOL, JAMES WELDON JOHNSON COLLEGE PREPARTORY MIDDLE SCHOOL, KIPP JACKSONVILLE K-12, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32206 was worth $59,896.

Values peaked at $150,801 in August 2022. The latest reading is −14.4% from that peak.

As of August 2026: $129,026, −2.0% over twelve months.

Start with the typical home: $129,026. Put 20% down and borrow $103,221 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $715 a month in principal and interest.

The median household here earns $37,585 a year, $3,132 a month. So the payment takes 22.8% 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 10.6% 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 $359.

In December 2020, with rates at 2.68%, it was $315.

By August 2026, at 6.67%, it was $664 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +115% 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 $118,211. So the real change is +9%, not +115%.

32206: +115% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32206 ran behind it by 130 points.

Against 1,098 Florida ZIP codes, 32206 sits at the 93rd percentile for affordability (price vs local income).

28th for appreciation (recent value growth); 98th for rental yield (rent vs price).

Owning the typical home costs about $844 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,437 a month.

Price divided by a year's rent: 7.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32254 was worth $43,797.

Values peaked at $160,853 in November 2022. The latest reading is −22.9% from that peak.

As of August 2026: $124,049, −7.9% over twelve months.

Start with the typical home: $124,049. Put 20% down and borrow $99,239 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $687 a month in principal and interest.

The median household here earns $36,449 a year, $3,037 a month. So the payment takes 22.6% 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 8.0% 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 $262.

In December 2020, with rates at 2.68%, it was $331.

By August 2026, at 6.67%, it was $638 — +93% since December 2020, while the home's value moved +21%.

Reported values rose +183% 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 $86,438. So the real change is +44%, not +183%.

32254: +183% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32254 ran behind it by 62 points.

Against 1,098 Florida ZIP codes, 32254 sits at the 95th percentile for affordability (price vs local income).

0th for appreciation (recent value growth); 99th for rental yield (rent vs price).

Owning the typical home costs about $811 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,294 a month.

Price divided by a year's rent: 8.0. 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 30 a month (Redfin, 3-month rolling data through August 2026). That is 118% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 116.

Going out — closed sales: about 18 a month. The drain is drawn 33% narrower: the share of homes for sale that sell each month is 67% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.4 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 18 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — so sales ran at 113% of it, and below it in 5 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 31 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 95.

Going out — closed sales: about 26 a month. The drain is drawn 7% narrower: the share of homes for sale that sell each month is 93% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.7 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 15 — so sales ran at 173% of it, and below it in 0 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: 116 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: 95 in June 2026.

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