ZIP 32065

32065 is one of 7 ZIP codes that lie mostly in Clay County, FL.

Shaded by typical home value, it ranks 4 of the 6 with a value.

8 school locations in 32065: 5 middle, 3 high.

In alphabetical order: DISCOVERY OAKS ELEMENTARY, OAKLEAF HIGH SCHOOL, OAKLEAF JUNIOR HIGH, OAKLEAF VILLAGE ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32065 was worth $112,256.

Values peaked at $353,965 in September 2022. The latest reading is −7.9% from that peak.

As of August 2026: $325,988, −1.1% over twelve months.

Start with the typical home: $325,988. Put 20% down and borrow $260,790 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,806 a month in principal and interest.

The median household here earns $92,842 a year, $7,737 a month. So the payment takes 23.3% 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 8.0% 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 $672.

In December 2020, with rates at 2.68%, it was $792.

By August 2026, at 6.67%, it was $1,677 — +112% since December 2020, while the home's value moved +33%.

Reported values rose +190% 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 $221,549. So the real change is +47%, not +190%.

32065: +190% since January 2000.

Clay County: +203% since January 2000.

Florida: +245% since January 2000 — 32065 ran behind it by 55 points.

Against 1,098 Florida ZIP codes, 32065 sits at the 95th percentile for affordability (price vs local income).

43rd for appreciation (recent value growth); 56th for rental yield (rent vs price).

Owning the typical home costs about $2,132 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,861 a month.

Price divided by a year's rent: 14.6. 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 50 a month (Redfin, 3-month rolling data through August 2026). That is 52% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 163. That is 66% of the 2015–2019 level for the same months.

Going out — closed sales: about 47 a month. That is 56% of the 2015–2019 level for the same months. The drain is drawn 27% narrower: the share of homes for sale that sell each month is 73% 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 47 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 77 — so sales ran at 61% 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: 163 in June 2026.

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