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.