ZIP 32266 vs ZIP 32250

32266 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 1 of the 31 with a value.

2 school locations in 32266: 1 elementary, 1 high.

In alphabetical order: DUNCAN U. FLETCHER HIGH SCHOOL, NEPTUNE BEACH ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

32250 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 2 of the 31 with a value.

4 school locations in 32250: 3 elementary, 1 middle.

In alphabetical order: DUNCAN U. FLETCHER MIDDLE SCHOOL, JACKSONVILLE BEACH ELEMENTARY SCHOOL, SAN PABLO ELEMENTARY SCHOOL, SEABREEZE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32266 was worth $160,851.

Values peaked at $791,102 in August 2026. The latest reading is the peak.

As of August 2026: $791,102, +6.6% over twelve months.

Start with the typical home: $791,102. Put 20% down and borrow $632,882 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,382 a month in principal and interest.

The median household here earns $111,025 a year, $9,252 a month. So the payment takes 47.4% 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 9.6% 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 $963.

In December 2020, with rates at 2.68%, it was $1,636.

By August 2026, at 6.67%, it was $4,070 — +149% since December 2020, while the home's value moved +57%.

Reported values rose +392% 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 $317,456. So the real change is +149%, not +392%.

32266: +392% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32266 ran ahead of it by 147 points.

Against 1,098 Florida ZIP codes, 32266 sits at the 10th percentile for affordability (price vs local income).

98th for appreciation (recent value growth); 12th for rental yield (rent vs price).

Owning the typical home costs about $5,173 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,733 a month.

Price divided by a year's rent: 24.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32250 was worth $176,975.

Values peaked at $657,706 in May 2024. The latest reading is −3.4% from that peak.

As of August 2026: $635,574, +2.2% over twelve months.

Start with the typical home: $635,574. Put 20% down and borrow $508,459 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,520 a month in principal and interest.

The median household here earns $111,553 a year, $9,296 a month. So the payment takes 37.9% 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 10.5% 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 $1,060.

In December 2020, with rates at 2.68%, it was $1,439.

By August 2026, at 6.67%, it was $3,270 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +259% 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 $349,278. So the real change is +82%, not +259%.

32250: +259% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32250 ran ahead of it by 14 points.

Against 1,098 Florida ZIP codes, 32250 sits at the 27th percentile for affordability (price vs local income).

88th for appreciation (recent value growth); 15th for rental yield (rent vs price).

Owning the typical home costs about $4,156 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,249 a month.

Price divided by a year's rent: 23.6. 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 13 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 30.

Going out — closed sales: about 9 a month. 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 = 3.5 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 82% of it, and below it in 20 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 59 a month (Redfin, 3-month rolling data through August 2026). That is 79% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 202. That is 90% of the 2015–2019 level for the same months.

Going out — closed sales: about 54 a month. That is 74% of the 2015–2019 level for the same months. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.8 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 54 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 58 — so sales ran at 93% of it, and below it in 22 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: 30 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: 202 in June 2026.

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