ZIP Code 32226 — Jacksonville city, FL Demographics & Data

ZIP code 32226 covers Jacksonville, FL in Duval County with a population of about 20,396.

At a glance, the area shows median age of 41.4 versus a U.S. median of about 38.9.

It sits in telephone area code 904; U.S. House district FL-4; the JACKSONVILLE media market.

Median household income in ZIP 32226 is about $109,375 — about 46% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.3%; unemployment rate near 4.2%; 35.9% of adults with a bachelor’s degree or higher (about 2.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Healthcare; about 12.9% of workers reporting work-from-home (about 2.3 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 $340,500 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,568 (about 35% above the U.S. median rent ($1,163)), and owner-occupancy near 91.9% (about 26.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32226 in Jacksonville, 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 $2,187. That sits below the local median household income ($109,375), 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.

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 48.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 913 for ZIP 32226 (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.