ZIP 32145

32145 is one of 10 ZIP codes that lie mostly in St. Johns County, FL — 99% of its own area is in the county.

Shaded by typical home value, it ranks 10 of the 10 with a value.

1 school location in 32145: 1 high.

In alphabetical order: DEEP CREEK ACADEMY. Locations only — no ratings are shown here.

In September 2003 the typical home in 32145 was worth $118,863.

Values peaked at $303,756 in April 2024. The latest reading is −7.9% from that peak.

As of August 2026: $279,624, −0.5% over twelve months.

Start with the typical home: $279,624. Put 20% down and borrow $223,699 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,549 a month in principal and interest.

The median household here earns $81,931 a year, $6,828 a month. So the payment takes 22.7% 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 2003.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in September 2003 (6.15%) the payment was $579.

In December 2020, with rates at 2.68%, it was $689.

By August 2026, at 6.67%, it was $1,439 — +109% since December 2020, while the home's value moved +31%.

Reported values rose +135% since September 2003.

General prices (CPI-U) rose +81% over the same span.

Divide one by the other: in August 2026 dollars, the 2003 home was worth $214,564. So the real change is +30%, not +135%.

32145: +135% since September 2003.

St. Johns County: +129% since September 2003.

Florida: +147% since September 2003 — 32145 ran behind it by 11 points.

Owning the typical home costs about $1,828 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,038 a month.

Price divided by a year's rent: 22.4. 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 8 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 26.

Going out — closed sales: about 10 a month.

The ladder: homes for sale ÷ monthly sales = 2.6 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 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 10 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 333% of it, and below it in 0 of the last 24 months.

Across St. Johns County, builders pulled permits for 4,735 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in St. Johns County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,437 moved in. Among the ten receiving the most, 4,421 moved out.

Net across those counties: +1,016 households. Beside it, homes for sale in this ZIP: 26 in June 2026.

Most arrivals came from Duval, FL (3,393 households); most departures went to Duval, FL (2,618).