ZIP 32233 vs ZIP 32224

32233 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 3 of the 31 with a value.

6 school locations in 32233: 3 elementary, 2 middle, 1 high.

In alphabetical order: ANCHOR ACADEMY, ATLANTIC BEACH ELEMENTARY SCHOOL, MARINE SCIENCE EDUCATION CENTER, MAYPORT ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32224 is one of 36 ZIP codes that lie mostly in Duval County, FL — 92% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 31 with a value.

4 school locations in 32224: 3 elementary, 1 middle.

In alphabetical order: ALIMACANI ELEMENTARY SCHOOL, CHET'S CREEK ELEMENTARY SCHOOL, J. ALLEN AXSON ELEMENTARY SCHOOL, RIVER CITY SCIENCE ACADEMY INTRACOASTAL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32233 was worth $132,118.

Values peaked at $502,770 in August 2022. The latest reading is −2.7% from that peak.

As of August 2026: $489,045, +1.4% over twelve months.

Start with the typical home: $489,045. Put 20% down and borrow $391,236 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,709 a month in principal and interest.

The median household here earns $81,586 a year, $6,799 a month. So the payment takes 39.8% of income — rated “severe” (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 10.8% 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 $791.

In December 2020, with rates at 2.68%, it was $1,098.

By August 2026, at 6.67%, it was $2,516 — +129% since December 2020, while the home's value moved +44%.

Reported values rose +270% 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 $260,748. So the real change is +88%, not +270%.

32233: +270% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32233 ran ahead of it by 25 points.

Against 1,098 Florida ZIP codes, 32233 sits at the 20th percentile for affordability (price vs local income).

78th for appreciation (recent value growth); 15th for rental yield (rent vs price).

Owning the typical home costs about $3,198 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,834 a month.

Price divided by a year's rent: 22.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32224 was worth $146,401.

Values peaked at $475,073 in June 2024. The latest reading is −3.4% from that peak.

As of August 2026: $458,998, +0.2% over twelve months.

Start with the typical home: $458,998. Put 20% down and borrow $367,198 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,542 a month in principal and interest.

The median household here earns $80,774 a year, $6,731 a month. So the payment takes 37.8% of income — rated “severe” (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 12.0% 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 $877.

In December 2020, with rates at 2.68%, it was $1,061.

By August 2026, at 6.67%, it was $2,361 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +214% 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 $288,937. So the real change is +59%, not +214%.

32224: +214% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32224 ran behind it by 32 points.

Against 1,098 Florida ZIP codes, 32224 sits at the 27th percentile for affordability (price vs local income).

64th for appreciation (recent value growth); 14th for rental yield (rent vs price).

Owning the typical home costs about $3,001 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,643 a month.

Price divided by a year's rent: 23.3. 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 31 a month (Redfin, 3-month rolling data through August 2026). That is 80% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 94.

Going out — closed sales: about 29 a month. That is 86% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.2 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 29 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 97% of it, and below it in 21 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 69 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 173. That is 78% of the 2015–2019 level for the same months.

Going out — closed sales: about 71 a month. That is 95% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.4 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 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 71 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 61 — so sales ran at 116% 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: 94 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: 173 in June 2026.

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