ZIP 32207 vs ZIP 32216

32207 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 21 of the 31 with a value.

11 school locations in 32207: 7 elementary, 1 middle, 3 high.

In alphabetical order: BECOMING COLLEGIATE ACADEMY, DOUGLAS ANDERSON SCHOOL OF THE ARTS, ENGLEWOOD ELEMENTARY SCHOOL, ENGLEWOOD HIGH SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32216 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 22 of the 31 with a value.

10 school locations in 32216: 5 elementary, 2 middle, 2 high, 1 other.

In alphabetical order: DUVAL CHARTER SCHOLARS ACADEMY, GREENFIELD ELEMENTARY SCHOOL, HOGAN-SPRING GLEN ELEMENTARY SCHOOL, HOLIDAY HILL ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32207 was worth $84,720.

Values peaked at $295,224 in May 2024. The latest reading is −5.2% from that peak.

As of August 2026: $279,818, +0.7% over twelve months.

Start with the typical home: $279,818. Put 20% down and borrow $223,854 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,550 a month in principal and interest.

The median household here earns $60,875 a year, $5,073 a month. So the payment takes 30.6% 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 9.3% 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 $507.

In December 2020, with rates at 2.68%, it was $676.

By August 2026, at 6.67%, it was $1,440 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +230% 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 $167,204. So the real change is +67%, not +230%.

32207: +230% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32207 ran behind it by 15 points.

Against 1,098 Florida ZIP codes, 32207 sits at the 62nd percentile for affordability (price vs local income).

73rd for appreciation (recent value growth); 51st for rental yield (rent vs price).

Owning the typical home costs about $1,830 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,582 a month.

Price divided by a year's rent: 14.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32216 was worth $83,588.

Values peaked at $278,132 in November 2022. The latest reading is −6.0% from that peak.

As of August 2026: $261,544, −0.1% over twelve months.

Start with the typical home: $261,544. Put 20% down and borrow $209,235 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,449 a month in principal and interest.

The median household here earns $63,253 a year, $5,271 a month. So the payment takes 27.5% 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 8.8% 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 $500.

In December 2020, with rates at 2.68%, it was $627.

By August 2026, at 6.67%, it was $1,346 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +213% 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 $164,970. So the real change is +59%, not +213%.

32216: +213% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32216 ran behind it by 32 points.

Against 1,098 Florida ZIP codes, 32216 sits at the 76th percentile for affordability (price vs local income).

60th for appreciation (recent value growth); 71st for rental yield (rent vs price).

Owning the typical home costs about $1,710 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,563 a month.

Price divided by a year's rent: 13.9. 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 62 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: 179. That is 82% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 81% of the 2015–2019 level for the same months. The drain is drawn 5% narrower: the share of homes for sale that sell each month is 95% of its 2015–2019 level.

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 20 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 48 — so sales ran at 88% of it, and below it in 23 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 49 a month (Redfin, 3-month rolling data through August 2026). That is 76% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 180.

Going out — closed sales: about 42 a month. That is 80% of the 2015–2019 level for the same months. The drain is drawn 48% narrower: the share of homes for sale that sell each month is 52% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.3 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 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 51 — so sales ran at 82% of it, and below it in 24 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: 179 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: 180 in June 2026.

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