ZIP 32218 vs ZIP 32221

32218 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 15 of the 31 with a value.

13 school locations in 32218: 8 elementary, 3 middle, 2 high.

In alphabetical order: BISCAYNE ELEMENTARY SCHOOL, BISCAYNE HIGH SCHOOL, FIRST COAST HIGH SCHOOL, GARDEN CITY ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32221 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 16 of the 31 with a value.

7 school locations in 32221: 2 elementary, 1 middle, 3 high, 1 other.

In alphabetical order: CHAFFEE TRAIL ELEMENTARY, CHAFFEE TRAIL MIDDLE SCHOOL, CRYSTAL SPRINGS ELEMENTARY SCHOOL, DUVAL MYCROSCHOOL OF INTEGRATED ACADEMICS AND TECHNOLOGIES, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32218 was worth $107,620.

Values peaked at $318,053 in November 2022. The latest reading is −6.6% from that peak.

As of August 2026: $297,186, +0.2% over twelve months.

Start with the typical home: $297,186. Put 20% down and borrow $237,749 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,646 a month in principal and interest.

The median household here earns $68,363 a year, $5,697 a month. So the payment takes 28.9% 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 10.5% 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 $644.

In December 2020, with rates at 2.68%, it was $715.

By August 2026, at 6.67%, it was $1,529 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +176% 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 $212,399. So the real change is +40%, not +176%.

32218: +176% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32218 ran behind it by 69 points.

Against 1,098 Florida ZIP codes, 32218 sits at the 69th percentile for affordability (price vs local income).

64th for appreciation (recent value growth); 56th for rental yield (rent vs price).

Owning the typical home costs about $1,943 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,659 a month.

Price divided by a year's rent: 14.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32221 was worth $107,689.

Values peaked at $323,950 in November 2022. The latest reading is −8.9% from that peak.

As of August 2026: $295,038, −1.8% over twelve months.

Start with the typical home: $295,038. Put 20% down and borrow $236,030 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,634 a month in principal and interest.

The median household here earns $82,571 a year, $6,881 a month. So the payment takes 23.8% 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 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 $645.

In December 2020, with rates at 2.68%, it was $720.

By August 2026, at 6.67%, it was $1,518 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +174% 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 $212,535. So the real change is +39%, not +174%.

32221: +174% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32221 ran behind it by 71 points.

Against 1,098 Florida ZIP codes, 32221 sits at the 93rd percentile for affordability (price vs local income).

30th for appreciation (recent value growth); 81st for rental yield (rent vs price).

Owning the typical home costs about $1,929 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,944 a month.

Price divided by a year's rent: 12.6. 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 137 a month (Redfin, 3-month rolling data through August 2026). That is 123% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 399. That is 151% of the 2015–2019 level for the same months.

Going out — closed sales: about 107 a month. That is 115% of the 2015–2019 level for the same months. The drain is drawn 29% narrower: the share of homes for sale that sell each month is 71% 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 30 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 107 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 85 — so sales ran at 126% of it, and below it in 1 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 41 a month (Redfin, 3-month rolling data through August 2026). That is 88% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 117.

Going out — closed sales: about 31 a month. That is 79% of the 2015–2019 level for the same months. The drain is drawn 13% narrower: the share of homes for sale that sell each month is 87% 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 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 38 — so sales ran at 82% 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).

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: 399 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: 117 in June 2026.

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