ZIP Code 32224 — Jacksonville city, FL Demographics & Data

ZIP code 32224 covers Jacksonville, FL in Duval County with a population of about 42,252.

At a glance, the area shows median age of 32.1 versus a U.S. median of about 38.9.

It sits in telephone area code 904; U.S. House district FL-5; the JACKSONVILLE media market.

Jacksonville, FL sits in a university / college context (near university of north florida (2.5 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 32224 is about $80,774 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 4.2%; 54.4% of adults with a bachelor’s degree or higher (about 20.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Retail trade; about 13.1% of workers reporting work-from-home (about 2.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $425,500 — about 22% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,514 (about 30% above the U.S. median rent ($1,163)), and owner-occupancy near 54.5% (about 10.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32224 in Jacksonville, FL, a household would need roughly $117,000 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 $2,733. That is about 45% above the local median household income ($80,774), 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.

FEMA’s National Risk Index rates natural-hazard risk for Jacksonville city, FL as Relatively High (composite score 97.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (97.7) and flood (97.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Jacksonville city, FL show little to no average snow and around 52.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,891 for ZIP 32224 (Jacksonville city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.