ZIP 32225 vs ZIP 32258

32225 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 7 of the 31 with a value.

8 school locations in 32225: 5 elementary, 2 middle, 1 high.

In alphabetical order: ABESS PARK ELEMENTARY SCHOOL, GLOBAL OUTREACH ACADEMY INTERCOASTAL, GLOBAL OUTREACH CHARTER ACADEMY HIGH SCHOOL, LANDMARK MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32258 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 8 of the 31 with a value.

4 school locations in 32258: 2 elementary, 1 middle, 1 high.

In alphabetical order: BARTRAM SPRINGS ELEMENTARY, DUVAL CHARTER SCHOOL AT FLAGLER CENTER, GREENLAND PINES ELEMENTARY SCHOOL, MANDARIN HIGH SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32225 was worth $116,529.

Values peaked at $388,263 in June 2024. The latest reading is −2.5% from that peak.

As of August 2026: $378,675, +1.0% over twelve months.

Start with the typical home: $378,675. Put 20% down and borrow $302,940 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,097 a month in principal and interest.

The median household here earns $87,715 a year, $7,310 a month. So the payment takes 28.7% 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 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 $698.

In December 2020, with rates at 2.68%, it was $872.

By August 2026, at 6.67%, it was $1,948 — +123% since December 2020, while the home's value moved +41%.

Reported values rose +225% 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 $229,982. So the real change is +65%, not +225%.

32225: +225% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32225 ran behind it by 20 points.

Against 1,098 Florida ZIP codes, 32225 sits at the 73rd percentile for affordability (price vs local income).

74th for appreciation (recent value growth); 29th for rental yield (rent vs price).

Owning the typical home costs about $2,476 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,849 a month.

Price divided by a year's rent: 17.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32258 was worth $124,381.

Values peaked at $389,489 in August 2022. The latest reading is −5.3% from that peak.

As of August 2026: $368,889, −0.3% over twelve months.

Start with the typical home: $368,889. Put 20% down and borrow $295,111 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,043 a month in principal and interest.

The median household here earns $99,764 a year, $8,314 a month. So the payment takes 24.6% 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 8.3% 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 $745.

In December 2020, with rates at 2.68%, it was $872.

By August 2026, at 6.67%, it was $1,898 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +197% 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 $245,479. So the real change is +50%, not +197%.

32258: +197% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32258 ran behind it by 48 points.

Against 1,098 Florida ZIP codes, 32258 sits at the 91st percentile for affordability (price vs local income).

56th for appreciation (recent value growth); 35th for rental yield (rent vs price).

Owning the typical home costs about $2,412 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,823 a month.

Price divided by a year's rent: 16.9. 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 69 a month (Redfin, 3-month rolling data through August 2026). That is 60% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 171. That is 67% of the 2015–2019 level for the same months.

Going out — closed sales: about 67 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 6% narrower: the share of homes for sale that sell each month is 94% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.6 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 67 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 93 — so sales ran at 72% 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).

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 48 a month (Redfin, 3-month rolling data through August 2026). That is 51% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 127. That is 64% of the 2015–2019 level for the same months.

Going out — closed sales: about 43 a month. That is 52% of the 2015–2019 level for the same months. The drain is drawn 20% narrower: the share of homes for sale that sell each month is 80% of its 2015–2019 level.

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

Homes sold: about 43 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 74 — so sales ran at 58% 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: 171 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: 127 in June 2026.

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