ZIP 32224

32224 is one of 36 ZIP codes that lie mostly in Duval County, FL — 92% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 31 with a value.

4 school locations in 32224: 3 elementary, 1 middle.

In alphabetical order: ALIMACANI ELEMENTARY SCHOOL, CHET'S CREEK ELEMENTARY SCHOOL, J. ALLEN AXSON ELEMENTARY SCHOOL, RIVER CITY SCIENCE ACADEMY INTRACOASTAL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32224 was worth $146,401.

Values peaked at $475,073 in June 2024. The latest reading is −3.4% from that peak.

As of August 2026: $458,998, +0.2% over twelve months.

Start with the typical home: $458,998. Put 20% down and borrow $367,198 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,542 a month in principal and interest.

The median household here earns $80,774 a year, $6,731 a month. So the payment takes 37.8% 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 12.0% 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 $877.

In December 2020, with rates at 2.68%, it was $1,061.

By August 2026, at 6.67%, it was $2,361 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +214% 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 $288,937. So the real change is +59%, not +214%.

32224: +214% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32224 ran behind it by 32 points.

Against 1,098 Florida ZIP codes, 32224 sits at the 27th percentile for affordability (price vs local income).

64th for appreciation (recent value growth); 14th for rental yield (rent vs price).

Owning the typical home costs about $3,001 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,643 a month.

Price divided by a year's rent: 23.3. 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 69 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 173. That is 78% of the 2015–2019 level for the same months.

Going out — closed sales: about 71 a month. That is 95% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.4 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 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 71 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 61 — so sales ran at 116% of it, and below it in 17 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: 173 in June 2026.

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