ZIP 32234

32234 is one of 36 ZIP codes that lie mostly in Duval County, FL — 46% of its own area is in the county.

Shaded by typical home value, it ranks 17 of the 31 with a value.

3 school locations in 32234: 1 elementary, 1 middle, 1 high.

In alphabetical order: CLAY HILL ELEMENTARY SCHOOL, MAMIE AGNES JONES ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 32234 was worth $101,692.

Values peaked at $323,667 in December 2022. The latest reading is −9.8% from that peak.

As of August 2026: $292,053, +0.2% over twelve months.

Start with the typical home: $292,053. Put 20% down and borrow $233,642 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,618 a month in principal and interest.

The median household here earns $81,063 a year, $6,755 a month. So the payment takes 23.9% 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 8.3% 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 $609.

In December 2020, with rates at 2.68%, it was $724.

By August 2026, at 6.67%, it was $1,503 — +107% since December 2020, while the home's value moved +31%.

Reported values rose +187% 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 $200,700. So the real change is +46%, not +187%.

32234: +187% since January 2000.

Duval County: +203% since January 2000.

Florida: +245% since January 2000 — 32234 ran behind it by 58 points.

Against 1,098 Florida ZIP codes, 32234 sits at the 93rd percentile for affordability (price vs local income).

62nd for appreciation (recent value growth); 86th for rental yield (rent vs price).

Owning the typical home costs about $1,910 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: 13.1. 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 37 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 124.

Going out — closed sales: about 20 a month. The drain is drawn 35% narrower: the share of homes for sale that sell each month is 65% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 17 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 20 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 500% of it, and below it in 5 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: 124 in June 2026.

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