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Jacksonville city, FL

ZIP 32209 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32209

Median Home Value
$92,300
Median Rent
$802
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$593/mo PITI).

33%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

9.6 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 32209 in Jacksonville city, FL, a household would need roughly $25,000 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 $593. That sits below the local median household income ($29,468), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
47.8%-27% vs US avg
x
Vacancy Rate
19.0%+85% vs US avg
x
Broadband Access
76.3%-12% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
37.3%-25% vs US avg
x
Mortgage-Free
57.9%+52% vs US avg
x
$92,300
Home Value
$802
Rent
1964
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached74.6%
  • 1-unit attached1.7%
  • 2-9 units16.2%
  • 10+ units6.2%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$92,300
Median rent$802
Owner-occupied47.8%
Vacant19.0%
Price-to-income3.1x
Est. income to buy$25,000