ZIP 32222

32222 is one of 36 ZIP codes that lie mostly in Duval County, FL.

Shaded by typical home value, it ranks 11 of the 31 with a value.

1 school location in 32222: 1 elementary.

In alphabetical order: ENTERPRISE LEARNING ACADEMY. Locations only — no ratings are shown here.

In January 2000 the typical home in 32222 was worth $118,966.

Values peaked at $355,788 in September 2022. The latest reading is −11.6% from that peak.

As of August 2026: $314,510, −1.6% over twelve months.

Start with the typical home: $314,510. Put 20% down and borrow $251,608 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 $82,782 a year, $6,899 a month. So the payment takes 25.3% 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 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 $712.

In December 2020, with rates at 2.68%, it was $794.

By August 2026, at 6.67%, it was $1,618 — +104% since December 2020, while the home's value moved +28%.

Reported values rose +164% 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 $234,792. So the real change is +34%, not +164%.

32222: +164% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32222 ran behind it by 81 points.

Against 1,098 Florida ZIP codes, 32222 sits at the 88th percentile for affordability (price vs local income).

30th for appreciation (recent value growth); 64th for rental yield (rent vs price).

Owning the typical home costs about $2,057 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,872 a month.

Price divided by a year's rent: 14.0. 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 24 a month (Redfin, 3-month rolling data through August 2026). That is 66% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 85.

Going out — closed sales: about 19 a month. The drain is drawn 24% narrower: the share of homes for sale that sell each month is 76% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 19 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 100% of it, and below it in 15 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: 85 in June 2026.

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