ZIP market identifier 32256 is both the Zillow ZIP market identifier and the matched Census ZCTA. A ZCTA is a statistical area and is not identical to a USPS delivery ZIP. The central decision question is whether the current broad asking-rent signal should be read as a unit-price benchmark, an affordability screen, or a bedroom-specific quote. In June 2026, Zillow ZORI is $1,567, after a 0.28% year-over-year decline. ZORI is a typical observed asking-rent index blended across rental types, so it describes a ZIP-level market signal rather than the advertised rent, lease terms, included charges, or availability of a specific home. The small annual movement establishes direction but does not establish the terms of any new listing.
Local household conditions make the income comparison more useful than the slight ZORI change. In the matched Census ZCTA's ACS 2024 five-year survey, median household income is $73,570. Annualizing the ZIP ZORI produces a $62,680 income amount at the 30% screen, or 25.6% of the reported median household income. This required-income screen is arithmetic, not advice or an applicant qualification rule. Renters occupy 17,096 housing units, a 61.3% renter share. ACS also observes 8,404 renter households at or above the 30% gross-rent burden threshold, equal to 49.2% of its renter base. That is an aggregate household observation; it cannot show that any particular unit will be burdensome.
Zillow, ACS, and HUD are separate evidence universes and should not be merged. The ACS 2024 five-year survey's median gross rent is $1,698 with a $42 90% margin of error, $131, or 7.7%, above the current ZORI. ACS median gross rent is a five-year survey of occupied renter homes and includes selected utilities, while ZORI is an asking-rent index. The FY2026 local HUD FMR/SAFMR two-bedroom standard is $2,000, placing the ZIP ZORI at 78.4% of that benchmark. HUD FMR/SAFMR is an administrative bedroom-specific standard, not asking rent. The differences reflect distinct coverage, utility treatment, and construction, and are not evidence that one dataset corrects or measures another.
The bedroom view provides a controlled way to translate the broad ZIP index, not a separate rent survey. Bedroom estimates scale ZIP ZORI using the local HUD ladder: the HUD two-bedroom standard supplies the normalization, and its bedroom ratios produce modelled estimates of $1,277 for a studio, $1,308 for one bedroom, $1,567 for two bedrooms, $1,927 for three bedrooms, and $2,421 for four bedrooms. These are modelled estimates, never measured bedroom rents. Their spacing expresses the local HUD bedroom ladder applied to the blended ZORI; it does not identify actual apartment inventory, quality, utilities, fees, concessions, or a landlord's quote for any bedroom size.
Supply composition adds important caution to the renter share. ACS counts 30,153 housing units, including 2,267 vacant units, for a 7.5% vacancy rate. Of those vacant units, 1,672 are classified for rent, 80 for sale, and 214 seasonal; remaining vacant units sit in other recorded categories. The stock includes 9,690 single-family units and 7,872 units in large multifamily structures. These count categories describe aggregate supply and vacancy composition, not the condition, price, timing, or lease readiness of a vacancy. In particular, the for-rent count is not proof that a specific prospective unit is available or that it will rent at the ZORI or a modelled bedroom estimate.
Wider areas give reference points but do not replace ZIP evidence. In the City of Jacksonville context, the rent value is $1,599.67; in the Duval County context, it is $1,616; and in the Jacksonville, FL metro context, it is $1,708, compared with ZIP ZORI of $1,567. The City of Jacksonville context has a 42.4% renter share, while the Duval County context has a 41.8% renter share, both below the ZIP's share. The Jacksonville, FL metro context is wider still and should not be read as a ZIP apartment measure. Each city, county, and metro value is context only: its geography and underlying rental definition may differ from the ZIP measure.
Several limits govern a property decision. The ZORI reference date is later than the ACS survey period, and the ACS margins of error underscore that ZCTA estimates are survey estimates rather than a current listing feed. The local HUD standard is administrative, and the bedroom series is a scaling model built from it. Before using these figures for a specific property, verify the current advertised base rent, exact bedroom count, lease duration, availability date, whether utilities are included, and all mandatory recurring charges or concessions. Match those facts to the appropriate universe instead of treating ZIP averages, a vacancy category, or the burden statistic as a statement about that property or applicant.
","findings":[{"body":"June 2026 ZORI for ZIP 32256 is $1,567, down 0.28% from the prior year. It is a typical observed asking-rent index blended across rental types, so it is the broad current ZIP signal rather than a promise about the advertised price, charges, lease, or availability of a particular rental.","title":"Current ZIP asking-rent signal"},{"body":"The HUD-ratio ladder converts the ZIP index into modelled estimates of $1,277 for a studio through $2,421 for four bedrooms, with $1,567 at two bedrooms. Because the method scales a blended asking-rent index using an administrative standard, the bedroom values are not measured rents, inventory counts, or property-specific quotes.","title":"Bedroom estimates are a model"},{"body":"Annualizing the $1,567 ZORI yields $62,680 at a 30% screen, versus ACS median household income of $73,570. Separately, ACS finds 49.2% of renter households at or above the 30% gross-rent burden threshold. The income screen is arithmetic, while the burden statistic is an aggregate survey observation rather than an applicant finding.","title":"Income screen and observed burden differ"},{"body":"ACS reports 7.5% vacancy in the matched ZCTA, with most recorded vacancies classified for rent, but this cannot confirm a unit's lease readiness. The City of Jacksonville, Duval County, and Jacksonville, FL metro rent context values all exceed the ZIP ZORI. These wider geographies are reference points, not substitutes for ZIP or property evidence.","title":"Vacancy and wider geography require caution"}],"risks":["The matched ZCTA is a statistical geography rather than a USPS delivery ZIP, so a property address or mailing ZIP may not align exactly with the area represented by the ACS estimates.","ZORI, ACS gross rent, and HUD FMR/SAFMR use different dates, populations, utility treatment, and purposes. A gap among them should not be interpreted as an error, a trend, or a property-level discount.","ACS household income, renter share, burden, and vacancy figures are survey estimates, including margins of error in source fields. Aggregate results cannot establish the finances, burden status, or choices of an individual renter.","A vacancy classified for rent is not a listing feed. It does not verify that a specific unit is currently available, in lease-ready condition, offered at the reported price, or subject to the stated charges."],"qa":[{"a":"The two values do not measure the same universe. ZORI is a current ZIP-level typical observed asking-rent index blended across rental types. ACS is a five-year survey estimate for occupied renter homes and includes selected utilities. Its residents' reported gross-rent distribution is therefore not expected to equal a current asking-rent index.","q":"Why does the ZIP ZORI differ from the ACS median gross rent?"},{"a":"They are modelled estimates. The calculation starts with the ZIP ZORI and scales it by the local FY2026 HUD bedroom ladder, normalized on the two-bedroom rung. This transfers HUD's relative bedroom spacing to the blended ZIP asking-rent index. It does not observe rents advertised or paid for studio, one-, three-, or four-bedroom units.","q":"How were the bedroom estimates constructed?"},{"a":"No. It annualizes the ZIP ZORI and divides by 30%, producing an arithmetic reference amount. It is not underwriting, advice, an applicant qualification standard, or a measure of a household's actual costs. A specific lease could have a different base rent, utilities, fees, term, or concessions.","q":"Does the 30% income figure determine whether a household can rent a property?"},{"a":"No. Vacancy is an aggregate classification of housing units and rent burden is an aggregate household survey measure. Neither identifies an address, market availability, bedroom configuration, listed price, lease terms, or included utilities. Those conditions require verification from the particular property's current documentation.","q":"Can ACS vacancy and rent-burden data identify a suitable available home?"}],"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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