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Jacksonville city, FL

ZIP 32204 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32204

Median Home Value
$342,700
Median Rent
$980
Affordability Snapshot
$94,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,201/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

29.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32204 in Jacksonville city, FL, a household would need roughly $94,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,201. That is about 73% above the local median household income ($54,462), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
25.0%-62% vs US avg
x
Vacancy Rate
12.0%+17% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
0.2%-99% vs US avg
x
Built Pre-1939
8.4%-35% vs US avg
x
Built Post-2014
2.3%-67% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
50.0%+31% vs US avg
x
$342,700
Home Value
$980
Rent
1952
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached29.3%
  • 1-unit attached3.8%
  • 2-9 units25.0%
  • 10+ units41.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$342,700
Median rent$980
Owner-occupied25.0%
Vacant12.0%
Price-to-income6.3x
Est. income to buy$94,000