ZIP Code 32234 — Jacksonville, FL Home Prices (2026)
The typical home in ZIP 32234 (Jacksonville, Florida) is worth about $295,000 at roughly $190 per square foot — about the same as the Jacksonville median and about the same as the typical U.S. home.
How 32234 compares
ZIP 32234 is a mid-priced ZIP code for Jacksonville: its typical home value of $295,000 ranks #15 of the 29 Jacksonville ZIP codes we track (the citywide range runs from $107,000 in 32209 to $493,000 in 32233). Per square foot it costs about $190, against $186 for Jacksonville as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 32234 | $295,000 | $190 |
| Jacksonville, FL | $295,000 | $186 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 32234
Using this ZIP’s rate of about $190 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $190,000 |
| 1,500 sq ft | $285,000 |
| 2,000 sq ft | $380,000 |
| 2,500 sq ft | $475,000 |
| 3,000 sq ft | $570,000 |
Salary needed to buy a home in ZIP 32234
To buy the typical $295,000 home in ZIP 32234 with 20% down, you need a household income of roughly $80,000 a year (about $1,870 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $95,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,800 | $2,330/mo | $100,000/yr |
| 10% (+PMI) | $29,500 | $2,230/mo | $95,000/yr |
| 20% | $59,000 | $1,870/mo | $80,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 32234
At about $190 per square foot, here is roughly how much home different budgets get you in ZIP 32234:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 790 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1320 sq ft | around the typical home here |
| $300k | 1580 sq ft | around the typical home here |
| $400k | 2110 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 32234 home.
Estimate a specific home in 32234
The estimator below is pre-set to ZIP 32234 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Jacksonville ZIP codes by home value
Where 32234 sits among Jacksonville’s 29 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 32233 | $493,000 | $350 |
| 2 | 32224 | $459,000 | $259 |
| 3 | 32223 | $436,000 | $238 |
| 4 | 32226 | $387,000 | $198 |
| 5 | 32225 | $379,000 | $228 |
| 6 | 32258 | $370,000 | $197 |
| 7 | 32257 | $349,000 | $206 |
| 8 | 32204 | $321,000 | $256 |
| 9 | 32222 | $317,000 | $172 |
| 10 | 32246 | $315,000 | $215 |
| 11 | 32217 | $313,000 | $197 |
| 12 | 32256 | $312,000 | $186 |
| 13 | 32218 | $300,000 | $174 |
| 14 | 32221 | $297,000 | $174 |
| 15 | 32234 (this page) | $295,000 | $190 |
| 16 | 32219 | $292,000 | $176 |
| 17 | 32220 | $288,000 | $178 |
| 18 | 32277 | $286,000 | $179 |
| 19 | 32207 | $282,000 | $239 |
| 20 | 32216 | $263,000 | $173 |
| 21 | 32205 | $257,000 | $231 |
| 22 | 32244 | $256,000 | $174 |
| 23 | 32211 | $250,000 | $184 |
| 24 | 32210 | $223,000 | $174 |
| 25 | 32202 | $159,000 | $219 |
| 26 | 32208 | $150,000 | $142 |
| 27 | 32206 | $131,000 | $149 |
| 28 | 32254 | $126,000 | $146 |
| 29 | 32209 | $107,000 | $132 |
ZIP 32234 home prices: frequently asked
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See the full Jacksonville home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.