ZIP 32256 vs ZIP 32218

32256 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 14 of the 31 with a value.

10 school locations in 32256: 1 elementary, 4 middle, 5 high.

In alphabetical order: ATLANTIC COAST HIGH SCHOOL, DUVAL CHARTER AT BAYMEADOWS, DUVAL CHARTER HIGH SCHOOL AT BAYMEADOWS, DUVAL CHARTER SCHOOL AT SOUTHSIDE, and more on the ZIP page. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 32256 was worth $136,738.

Values peaked at $352,445 in November 2022. The latest reading is −12.1% from that peak.

As of August 2026: $309,798, −3.4% over twelve months.

Start with the typical home: $309,798. Put 20% down and borrow $247,838 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 $73,203 a year, $6,100 a month. So the payment takes 28.1% 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 12.4% 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 $819.

In December 2020, with rates at 2.68%, it was $802.

By August 2026, at 6.67%, it was $1,594 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +127% 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 $269,867. So the real change is +15%, not +127%.

32256: +127% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32256 ran behind it by 118 points.

Against 1,098 Florida ZIP codes, 32256 sits at the 73rd percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 38th 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 $1,572 a month.

Price divided by a year's rent: 16.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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 95 a month (Redfin, 3-month rolling data through August 2026). That is 105% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 293. That is 129% of the 2015–2019 level for the same months.

Going out — closed sales: about 72 a month. That is 92% of the 2015–2019 level for the same months. The drain is drawn 23% narrower: the share of homes for sale that sell each month is 77% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.1 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 23 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 72 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 79 — so sales ran at 91% of it, and below it in 11 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 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).

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: 293 in June 2026.

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

County assessor records list 53 properties with a market value here. Their average assessed market value is $50,000; the typical home value is $309,798.

The assessor average sits −83.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

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).