ZIP 32003

32003 is one of 7 ZIP codes that lie mostly in Clay County, FL.

Shaded by typical home value, it ranks 1 of the 6 with a value.

6 school locations in 32003: 3 middle, 2 high, 1 other.

In alphabetical order: FLEMING ISLAND ELEMENTARY SCHOOL, FLEMING ISLAND HIGH SCHOOL, ROBERT M. PATERSON ELEMENTARY, ST JOHNS CLASSICAL ACADEMY, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32003 was worth $157,318.

Values peaked at $455,143 in June 2024. The latest reading is −2.4% from that peak.

As of August 2026: $444,259, −0.2% over twelve months.

Start with the typical home: $444,259. Put 20% down and borrow $355,407 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,461 a month in principal and interest.

The median household here earns $119,046 a year, $9,921 a month. So the payment takes 24.8% 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 8.8% 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 $942.

In December 2020, with rates at 2.68%, it was $1,013.

By August 2026, at 6.67%, it was $2,286 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +182% 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 $310,483. So the real change is +43%, not +182%.

32003: +182% since January 2000.

Clay County: +203% since January 2000.

Florida: +245% since January 2000 — 32003 ran behind it by 63 points.

Against 1,098 Florida ZIP codes, 32003 sits at the 91st percentile for affordability (price vs local income).

54th for appreciation (recent value growth); 21st for rental yield (rent vs price).

Owning the typical home costs about $2,905 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,044 a month.

Price divided by a year's rent: 18.1. 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 46 a month (Redfin, 3-month rolling data through August 2026). That is 67% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 120. That is 66% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 61% of the 2015–2019 level for the same months. The drain is drawn 7% narrower: the share of homes for sale that sell each month is 93% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.8 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 53 — so sales ran at 79% of it, and below it in 24 of the last 24 months.

Across Clay County, builders pulled permits for 1,522 new homes in 2025.

Of those, 81% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Clay County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,900 moved in. Among the ten receiving the most, 4,273 moved out.

Net across those counties: +627 households. Beside it, homes for sale in this ZIP: 120 in June 2026.

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