At June 2026, Zillow’s ZIP-level ZORI for 32210 was $1,361 per month, up 0.6% from the same month a year earlier. ZORI is a typical observed asking-rent index blended across rental types, rather than a lease record for a particular home. For wider Zillow context, the Jacksonville city scope was about $1,600, the Duval County scope was $1,616, and the Jacksonville, FL metro scope was $1,708. The ZIP’s lower current index is a useful price-position signal, but those city, county, and metro figures remain broader-geography context rather than substitutes for ZIP evidence.
The rent path is positive but markedly calmer than its longer run. Exact same-month changes were 0.6% over 1 year, 0.9% annualized over 3 years, and 4.4% annualized over 5 years. Thus, recent direction confirms continued growth rather than a reversal, while also showing that the current pace is well below the longer historical pace. The history has full monthly coverage. Annualized monthly-return variability was 2.0%, which supports more confidence in the current index than a highly erratic series would. The deepest observed drawdown was 1.8%, a modest historical pullback rather than evidence that declines cannot recur. Transparent national discovery ranks among history-eligible ZIPs were 2,123 for momentum, 117 for stability, and 1,180 for the balanced measure, where lower ranks are stronger. These are backward-looking measurements, not forecasts or investment recommendations.
Several rent universes should not be merged. The matched Census ZCTA’s ACS 2024 5-year median gross rent was $1,293, with a reported margin of error of $66; it describes occupied renter homes and includes selected utilities. The current Zillow asking-rent index was 5.3% above that survey median, a difference consistent with distinct populations, timing, and rent definitions rather than a direct contradiction. HUD’s FY2026 two-bedroom FMR/SAFMR standard was $1,410. That administrative, bedroom-specific standard is not asking rent and should not be treated as a measured ZIP lease price.
The bedroom figures are modelled estimates created by scaling ZIP ZORI with the local HUD ladder; they are not measured bedroom rents. The resulting monthly sequence is $1,110 for a studio, $1,129 for one bedroom, $1,361 for two bedrooms, $1,680 for three bedrooms, and $2,104 for four bedrooms. This ladder provides a consistent way to translate the all-types Zillow index across unit sizes, but it cannot identify the rent of a specific building, condition level, lease term, or utility package. Actual listings may sit above or below these estimates for reasons not observed in the source packet.
At the 30% required-income screen, supporting the current ZORI without exceeding that arithmetic threshold equates to $54,440 in annual household income. The ZCTA’s median household income was $61,050, and the asking-rent-to-income screen was 26.8%. That comparison is only arithmetic, not affordability advice and not an applicant qualification rule. Survey burden presents a separate caution: 6,816 of 11,419 renter households were reported as spending at least 30% of income on gross rent, or 59.7%. Because ACS burden is based on occupied households and gross rent, it cannot prove the burden or affordability of any particular available unit.
The ACS housing stock is weighted toward single-family structures rather than large multifamily buildings, which matters when interpreting an all-types rent index. Its overall vacancy rate was 8.8%, while 912 units were classified as vacant for rent. These are area-level stock and vacancy observations, not proof that a specific rental is readily available, competitively priced, or vacant for the same reason as another unit. They nevertheless add context to the rent-and-income screen: current asking-rent stability exists alongside a measurable stock of vacant-for-rent homes.
Direct ZIP resale evidence introduces a meaningful counterweight to the relatively steady rent history. In Redfin’s direct rolling-three-month 32210 for-sale observation, median sold price was $229,948, down 3.8% year over year. The window recorded 233 homes sold, a median 58 days on market, inventory of 271 homes, and 3.5 months of supply. Average sale-to-list was 97.2%, while 16.3% of sales closed above list. These are resale-market liquidity and pricing signals, not rental transactions or rental comps. The annualized ZORI divided by median sold price was 7.1%, but that is only a cross-source screening ratio, not a cap rate, net return, expected return, or property yield. Price softness, longer marketing time, and below-list average sales challenge any simple reading that stable asking rents alone imply uniformly firm housing-market conditions.
The stated ZIP label is both a Zillow ZIP market identifier and a Census ZCTA match. A ZCTA is a statistical area and is not identical to a USPS delivery ZIP. This report also cannot reconcile individual property features with an index, survey, HUD standard, or rolling resale aggregate. Concrete property-level checks should include current comparable listings by bedroom count, lease duration, concessions, included utilities, condition, square footage, listing availability, sale history, and list-price revisions. Those checks are necessary to determine whether a particular property resembles the source populations represented here.
","findings":[{"body":"The current Zillow asking-rent index increased modestly from the same month a year earlier, while the longer historical annualized change was materially stronger. Low monthly-return variability and a limited historical drawdown make the current rent snapshot more informative than a highly volatile series would be. The evidence supports historical stability, not a projection of future rent appreciation.","title":"Rent growth is steady, not accelerating"},{"body":"Zillow ZORI is a blended asking-rent index, whereas ACS median gross rent measures occupied renter homes and includes selected utilities. The ZIP’s current asking-rent index exceeds the ACS ZCTA median gross rent, but the gap should be interpreted as a source-universe difference. Neither measure is a direct substitute for a current lease quote on a particular property.","title":"Observed asking rent sits above occupied-home survey rent"},{"body":"The arithmetic income screen places the current asking-rent index below the area median household income at the stated threshold. Yet a substantial share of surveyed renter households reported gross-rent burdens at or above that threshold. This contrast means area median income cannot establish household-level affordability, and burden statistics cannot establish the terms or condition of a particular available rental.","title":"Income screening and reported burden point in different ways"},{"body":"The direct ZIP resale observation showed a year-over-year decline in median sold price, marketing time extending beyond a rapid-sale signal, and average sales below list price. Those for-sale signals do not measure rental conditions, but they challenge an overly simple interpretation of stable asking rents. The rent-to-price figure remains only a cross-source screening ratio.","title":"Resale signals temper the rent-only reading"}],"risks":["Zillow ZORI blends observed asking rents across rental types, so it may not match a specific unit’s bedroom count, condition, lease term, utility treatment, concession package, or actual achieved rent.","ACS values are multi-year survey estimates for occupied renter homes, and their margins of error, utility-inclusive gross-rent definition, and retrospective timing limit direct comparison with current asking-rent data.","HUD FMR/SAFMR values are administrative bedroom-specific standards. They can structure a modelling ladder but should not be interpreted as current advertised rents or executed lease transactions in the ZIP.","Redfin resale information is a rolling ZIP for-sale observation. It cannot establish rental demand, property operating costs, financing outcomes, vacancy for a particular unit, or an individual property’s economic performance."],"qa":[{"a":"It measures Zillow’s ZIP-level Observed Rent Index, a typical observed asking-rent index blended across rental types. It is useful for tracking the direction and level of advertised rents in the ZIP, but it does not identify a lease price for a particular bedroom count, building, condition level, utility package, or term.","q":"What does the current Zillow rent figure measure?"},{"a":"The figures cover different evidence universes. ACS median gross rent is a five-year survey measure of occupied renter homes and includes selected utilities, while Zillow ZORI reflects a current asking-rent index. Different timing, included costs, unit mixes, and occupied-versus-advertised populations can create a gap without either source being incorrect.","q":"Why is the ACS gross-rent figure lower than Zillow ZORI?"},{"a":"No. The studio through four-bedroom values are modelled monthly estimates produced by scaling the ZIP’s all-types Zillow rent index using the local HUD bedroom ladder. They create a consistent unit-size framework, but they are not measured asking rents, signed rents, or evidence about a specific available apartment or house.","q":"Are the bedroom rent figures direct market observations?"},{"a":"No. It is simply annualized ZIP Zillow ZORI divided by Redfin’s ZIP median sold price, combining two different source universes for screening. It omits operating expenses, taxes, insurance, repairs, financing, vacancy, concessions, property condition, and transaction-specific pricing. It is not a cap rate, yield, net return, or expected return.","q":"Does the rent-to-price screening ratio show a property return?"}],"sources":[{"key":"apartment_list_time_on_market","name":"Apartment List Time on Market — listing liquidity","release":"Apartment List 2026-07","pulledAt":"2026-08-08","url":"https://www.apartmentlist.com/research/category/data-rent-estimates"},{"key":"apartment_list_vacancy","name":"Apartment List Vacancy Index — rental vacancy","release":"Apartment List 2026-07","pulledAt":"2026-08-08","url":"https://www.apartmentlist.com/research/apartment-list-vacancy-index-methodology"},{"key":"census_zcta_facts","name":"Census ACS five-year — ZCTA housing and income","release":"ACS 2024 5-year ZCTA","pulledAt":"2026-08-08","url":"https://api.census.gov/data/2024/acs/acs5.html"},{"key":"hud_zip","name":"HUD USPS crosswalk and Small Area FMRs — ZIP rent fallback","release":"ZIP-CBSA 2025Q4 + SAFMR 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rents","release":"Metro_zori_uc_sfrcondomfr_sm_sa_month.csv","pulledAt":"2026-07-26","url":"https://www.zillow.com/research/data/"},{"key":"zillow_zori_city","name":"Zillow ZORI — city market rents","release":"zillow_zori_city.csv","pulledAt":"2026-07-29","url":"https://www.zillow.com/research/data/"},{"key":"zillow_zori_zip","name":"Zillow ZORI — ZIP market rents","release":"ZORI ZIP 2026-06","pulledAt":"2026-08-08","url":"https://www.zillow.com/research/data/"}],"history":[{"period":"2015-01-01","rent":774.631858},{"period":"2015-02-01","rent":777.412869},{"period":"2015-03-01","rent":783.649886},{"period":"2015-04-01","rent":781.360529},{"period":"2015-05-01","rent":780.989205},{"period":"2015-06-01","rent":771.262507},{"period":"2015-07-01","rent":775.32927},{"period":"2015-08-01","rent":778.096703},{"period":"2015-09-01","rent":786.020136},{"period":"2015-10-01","rent":791.86801},{"period":"2015-11-01","rent":791.41471},{"period":"2015-12-01","rent":791.679911},{"period":"2016-01-01","rent":792.643958},{"period":"2016-02-01","rent":795.928071},{"period":"2016-03-01","rent":800.764492},{"period":"2016-04-01","rent":805.569112},{"period":"2016-05-01","rent":810.279449},{"period":"2016-06-01","rent":811.868594},{"period":"2016-07-01","rent":809.335657},{"period":"2016-08-01","rent":813.655756},{"period":"2016-09-01","rent":812.717278},{"period":"2016-10-01","rent":813.759163},{"period":"2016-11-01","rent":811.916405},{"period":"2016-12-01","rent":811.003598},{"period":"2017-01-01","rent":810.952213},{"period":"2017-02-01","rent":814.483872},{"period":"2017-03-01","rent":821.43066},{"period":"2017-04-01","rent":824.879087},{"period":"2017-05-01","rent":830.030766},{"period":"2017-06-01","rent":836.068733},{"period":"2017-07-01","rent":839.852995},{"period":"2017-08-01","rent":837.001927},{"period":"2017-09-01","rent":841.217664},{"period":"2017-10-01","rent":846.240036},{"period":"2017-11-01","rent":856.270703},{"period":"2017-12-01","rent":861.479918},{"period":"2018-01-01","rent":867.213048},{"period":"2018-02-01","rent":870.856257},{"period":"2018-03-01","rent":868.822798},{"period":"2018-04-01","rent":871.937925},{"period":"2018-05-01","rent":869.897626},{"period":"2018-06-01","rent":879.024148},{"period":"2018-07-01","rent":884.253481},{"period":"2018-08-01","rent":894.306972},{"period":"2018-09-01","rent":896.098228},{"period":"2018-10-01","rent":897.738285},{"period":"2018-11-01","rent":901.079945},{"period":"2018-12-01","rent":903.372333},{"period":"2019-01-01","rent":909.599529},{"period":"2019-02-01","rent":906.615082},{"period":"2019-03-01","rent":911.695887},{"period":"2019-04-01","rent":915.076242},{"period":"2019-05-01","rent":921.875547},{"period":"2019-06-01","rent":920.648831},{"period":"2019-07-01","rent":924.352232},{"period":"2019-08-01","rent":926.465261},{"period":"2019-09-01","rent":932.615626},{"period":"2019-10-01","rent":938.388129},{"period":"2019-11-01","rent":941.386883},{"period":"2019-12-01","rent":947.776807},{"period":"2020-01-01","rent":950.984531},{"period":"2020-02-01","rent":961.941259},{"period":"2020-03-01","rent":962.537491},{"period":"2020-04-01","rent":971.882194},{"period":"2020-05-01","rent":976.248396},{"period":"2020-06-01","rent":980.016129},{"period":"2020-07-01","rent":978.126043},{"period":"2020-08-01","rent":981.170864},{"period":"2020-09-01","rent":996.511601},{"period":"2020-10-01","rent":1006.097162},{"period":"2020-11-01","rent":1014.257376},{"period":"2020-12-01","rent":1018.582409},{"period":"2021-01-01","rent":1026.01553},{"period":"2021-02-01","rent":1035.291809},{"period":"2021-03-01","rent":1050.23013},{"period":"2021-04-01","rent":1064.662862},{"period":"2021-05-01","rent":1080.318795},{"period":"2021-06-01","rent":1097.692792},{"period":"2021-07-01","rent":1111.167211},{"period":"2021-08-01","rent":1122.980919},{"period":"2021-09-01","rent":1132.543905},{"period":"2021-10-01","rent":1157.258115},{"period":"2021-11-01","rent":1183.31854},{"period":"2021-12-01","rent":1193.445421},{"period":"2022-01-01","rent":1209.033921},{"period":"2022-02-01","rent":1216.763654},{"period":"2022-03-01","rent":1231.960784},{"period":"2022-04-01","rent":1241.883312},{"period":"2022-05-01","rent":1254.048237},{"period":"2022-06-01","rent":1272.592993},{"period":"2022-07-01","rent":1280.676437},{"period":"2022-08-01","rent":1290.239288},{"period":"2022-09-01","rent":1294.739879},{"period":"2022-10-01","rent":1303.434443},{"period":"2022-11-01","rent":1300.866531},{"period":"2022-12-01","rent":1302.951054},{"period":"2023-01-01","rent":1303.148781},{"period":"2023-02-01","rent":1311.675025},{"period":"2023-03-01","rent":1322.591255},{"period":"2023-04-01","rent":1322.857551},{"period":"2023-05-01","rent":1321.887636},{"period":"2023-06-01","rent":1323.807449},{"period":"2023-07-01","rent":1335.899809},{"period":"2023-08-01","rent":1343.582428},{"period":"2023-09-01","rent":1333.8786},{"period":"2023-10-01","rent":1319.945365},{"period":"2023-11-01","rent":1320.375087},{"period":"2023-12-01","rent":1328.026663},{"period":"2024-01-01","rent":1333.826306},{"period":"2024-02-01","rent":1335.337167},{"period":"2024-03-01","rent":1338.228755},{"period":"2024-04-01","rent":1346.340181},{"period":"2024-05-01","rent":1355.105364},{"period":"2024-06-01","rent":1349.87555},{"period":"2024-07-01","rent":1352.514117},{"period":"2024-08-01","rent":1349.597265}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