ZIP 32246 vs ZIP 32217

32246 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 12 of the 31 with a value.

9 school locations in 32246: 4 elementary, 1 middle, 4 high.

In alphabetical order: ALDEN ROAD EXCEP. STUDENT CENTER, AMIKIDS JACKSONVILLE, BROOKVIEW ELEMENTARY SCHOOL, CORNERSTONE CLASSICAL ACADEMY, and more on the ZIP page. Locations only — no ratings are shown here.

32217 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 13 of the 31 with a value.

7 school locations in 32217: 1 elementary, 2 middle, 4 high.

In alphabetical order: ALFRED I. DUPONT MIDDLE SCHOOL, DUVAL VIRTUAL ACADEMY FRANCHISE, DUVAL VIRTUAL INSTRUCTION ACADEMY, DUVAL VIRTUAL INSTRUCTION PROGRAM, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32246 was worth $107,364.

Values peaked at $336,547 in November 2022. The latest reading is −6.6% from that peak.

As of August 2026: $314,439, −1.5% over twelve months.

Start with the typical home: $314,439. Put 20% down and borrow $251,551 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,742 a month in principal and interest.

The median household here earns $78,506 a year, $6,542 a month. So the payment takes 26.6% 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 9.1% 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 $643.

In December 2020, with rates at 2.68%, it was $764.

By August 2026, at 6.67%, it was $1,618 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +193% 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 $211,894. So the real change is +48%, not +193%.

32246: +193% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32246 ran behind it by 52 points.

Against 1,098 Florida ZIP codes, 32246 sits at the 83rd percentile for affordability (price vs local income).

40th for appreciation (recent value growth); 51st for rental yield (rent vs price).

Owning the typical home costs about $2,056 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,756 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 32217 was worth $99,092.

Values peaked at $325,494 in May 2024. The latest reading is −4.8% from that peak.

As of August 2026: $309,874, +0.7% over twelve months.

Start with the typical home: $309,874. Put 20% down and borrow $247,899 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,716 a month in principal and interest.

The median household here earns $69,742 a year, $5,812 a month. So the payment takes 29.5% 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 9.4% 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 $593.

In December 2020, with rates at 2.68%, it was $740.

By August 2026, at 6.67%, it was $1,594 — +115% since December 2020, while the home's value moved +36%.

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 $195,568. So the real change is +58%, not +213%.

32217: +213% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32217 ran behind it by 32 points.

Against 1,098 Florida ZIP codes, 32217 sits at the 66th percentile for affordability (price vs local income).

69th for appreciation (recent value growth); 22nd for rental yield (rent vs price).

Owning the typical home costs about $2,026 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,379 a month.

Price divided by a year's rent: 18.7. 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 70% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 196. That is 99% of the 2015–2019 level for the same months.

Going out — closed sales: about 49 a month. That is 57% of the 2015–2019 level for the same months. The drain is drawn 40% narrower: the share of homes for sale that sell each month is 60% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.0 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 49 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 74 — so sales ran at 66% 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 33 a month (Redfin, 3-month rolling data through August 2026). That is 85% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 92.

Going out — closed sales: about 28 a month. That is 81% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.3 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 28 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 32 — so sales ran at 88% 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).

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: 196 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: 92 in June 2026.

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