HousingHandbookReference data

U.S. ZIP Code · FL32081

St. Johns County · Jacksonville, FL

Typical home value

$659,666[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-4.4%
5-year / yr
+5.7%
10-year / yr
+5.2%

Relative price

vs U.S.
+132.2%
vs metro
+101.6%
vs state
+90.2%
ZIP 32081 location in FL
Location of ZIP 32081 in FL

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 32081 is worth $659,666 — 101.6% above the Jacksonville, FL median. Over the past year, values have fallen 4.4%. Homes here rent for a typical $2,238 a month — a 4.1% gross rental yield. The effective property tax rate is 0.9%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$2,238[2]
Gross yield
4.1%[2]
Cap rate
2.4%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.9%[3]
Typical annual tax
$6,159[3]

#Climate risk

FEMA National Risk Index ratings for St. Johns County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Relatively High
Wildfire
Relatively Moderate
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Relatively High
Tornado
Relatively Moderate
Earthquake
Very Low
Winter weather
No Rating

#Who lives here

Population
29,784[3]
Median household income
$131,624[3]

#Migration

Household moves in and out of St. Johns County over a year, from IRS tax-return data.

Net migration
+4,049[5]
Moved in
13,388
Moved out
9,339

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
4
Elementary
2
Middle
0
High
2
  • ALLEN D NEASE SENIOR HIGH SCHOOL

    High · Grades 9–12 · ST. JOHNS

    2,163 students

  • PONTE VEDRA HIGH SCHOOL

    High · Grades 9–12 · ST. JOHNS

    1,928 students

  • PALM VALLEY ACADEMY

    Elementary · Grades PK–8 · ST. JOHNS

    1,498 students

  • VALLEY RIDGE ACADEMY

    Elementary · Grades K–8 · ST. JOHNS

    1,267 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield4.1%
Net yield (after ~40% expenses)2.4%
Annual rent$26,852

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$3,336
Loan principal$527,733
Down payment$131,933
Total interest paid$673,094

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.96
Monthly cost to own$4,397
Monthly rent$2,238

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
70th percentile[1]
Rental yield
2nd percentile[2]
Property tax
91st percentile[3]

Frequently asked

How much is a home worth in ZIP code 32081?
The typical home in 32081 is worth $659,666, based on the Zillow Home Value Index.
Are home values rising in 32081?
Home values in 32081 are down 4.4% over the past year, and up 5.7% a year over five years.
What is the typical rent in 32081?
A typical home in 32081 rents for about $2,238 a month, a gross rental yield of 4.1%.
What is the property tax rate in 32081?
The effective property tax rate in 32081 is 0.9% — roughly $6,159 a year on a typical home.
Who lives in 32081?
ZIP code 32081 has a population of 29,784 and a median household income of $131,624.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Jacksonville Beach, FL

    Typical home
    $636,354
    Gross yield
    4.3%
  • Fernandina Beach, FL

    Typical home
    $613,376
    Gross yield
    4.8%
  • Fruit Cove CDP, FL

    Typical home
    $543,733
    Gross yield
    4.4%
  • St. Augustine, FL

    Typical home
    $537,143
    Gross yield
    5.1%
  • Neptune Beach, FL

    Typical home
    $784,199
    Gross yield
    4.4%
  • Nocatee CDP, FL

    Typical home
    $504,037
    Gross yield
    5.2%

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