At June 2026, 32246’s Zillow ZORI stood at $1,753. ZORI is a ZIP-level typical observed asking-rent index blended across rental types. Its exact same-month annualized changes were 2.14% over one year, -0.17% over three years and 2.48% over five years. The recently accelerating direction therefore confirms the positive five-year path but breaks from the slightly declining three-year path. These are backward-looking measurements, not forecasts or investment recommendations. History coverage is 100%; annualized monthly-return variability was 2.78%, and maximum drawdown was -4.62%. Complete coverage makes the sequence reviewable rather than filling a gap, yet it does not remove index-level differences among rental types. The variability and drawdown mean a reader should place less confidence in a single current snapshot than in a uniformly stable series.
The five-digit label 32246 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. The ACS 2024 five-year ZCTA median gross rent was $1,761, slightly above the current ZORI. That proximity is descriptive, not an interchangeability test: ACS is a five-year survey of occupied renter homes and its median gross rent includes selected utilities, while ZORI is an asking-rent index. Different timing, occupancy, utility treatment and the ZCTA-versus-ZIP geography can all create gaps, even where the levels look similar.
The bedroom view is a size-sensitive allocation, but its values are modelled estimates, never measured bedroom rents. It scales the ZIP ZORI by the local FY2026 HUD ladder: $1,428 for a studio, $1,462 for one bedroom, $1,753 for two bedrooms, $2,163 for three bedrooms and $2,711 for four bedrooms. The local HUD two-bedroom FMR is $2,050; that standard supplies the scaling reference rather than a market quote. HUD FMR/SAFMR is an administrative, bedroom-specific standard, not asking rent. Accordingly, the ladder communicates a modelled relationship among bedroom sizes and cannot replace a listing’s quoted rent.
The 30% required-income screen is arithmetic, not advice or an applicant qualification rule. Annualizing the current index at that screen yields $70,120 of required household income, versus the ACS ZCTA median household income of $80,963. Separately, 5,337 of 11,309 renter households report gross-rent burdens at or above the screen, a 47.2% share. Because a median is not an income distribution, the comparison does not reveal the incomes associated with individual homes. The burden measure describes surveyed occupied renter households rather than a specific lease. Neither statistic proves the cost, utility terms, burden, income or eligibility of a particular unit or renter.
Supply-side evidence is a stock snapshot rather than a listing inventory. The matched ZCTA has 26,747 housing units and includes both single-family and large multifamily structures; renter households occupy 45.3% of occupied homes, while owner households account for the balance. Its ACS vacancy rate is 6.7%, including 911 units classified vacant for rent. The stock total and tenure split describe households and structures, not the current pool of choices. These counts do not show turnover, condition, price, bedroom mix or current availability. In particular, a “vacant for rent” classification cannot demonstrate that a named unit is available, suitable, priced at the index, or offered on particular lease terms.
Place comparisons frame this ZIP but do not substitute for it. For wider Zillow asking-rent context, Jacksonville city’s index is below this ZIP’s; Duval County’s index is $1,616; and the Jacksonville, FL metro’s index is $1,708, also below the ZIP reading. The city, county and metro figures are wider-scope context, not local observations, and each must retain that scope when used in a comparison. Jacksonville city and Duval County also have lower ACS median gross-rent figures than the matched ZCTA, a separate survey comparison that retains the occupancy and utility distinctions already noted. None of these contrasts identifies conditions at a building, bedroom tier or listing.
Several limits remain after the aggregate comparisons. The transparent national discovery ranks among history-eligible ZIPs are 1,860 for momentum, 1,215 for stability and 1,745 for the balanced score, with a lower rank indicating a higher position. They summarize the historical series only; they are not forecasts or investment recommendations and cannot establish future rent, value or performance. Before applying any ZIP figure to a property, verify the advertised rent, bedroom count, availability date, lease term, utilities, fees and concessions directly. Then distinguish the quoted listing price from ZORI, ACS gross rent and the HUD standard. What do the specific listing and lease terms show that the ZIP-level measures cannot?