Jacksonville, FL 32207 Real Estate Market Report

ZIP Code: 32207
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Property Taxes

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Jacksonville FL 32207 are 6.3% compared to 5.8% for typical loans originated earlier in 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary market value reference is the median sold price $286,250, which indicates recent transaction levels and suggests pricing is tracking below current asking expectations; representative recent sale that buyers are achieving prices beneath listing benchmarks.

2. There is a notable gap between the median listing price $325,450 and the median sold price $286,250, which may indicate pricing friction—sellers are asking higher than realized sale prices and some listings may require price adjustments or longer time-to-contract.

3. Market velocity is slow based on the median days on market 301, which suggests slower sales velocity and elevated time-to-close compared with traditionally quicker cycles; this may pressure sellers to be more flexible on price or terms.

4. Macro and rental signals reinforce caution: the price year-over-year trend flat and market temperature neutral point to stability rather than acceleration, while rent year-over-year trend down and interest rate pressure elevated (current 30-year fixed ~6.3% vs earlier 5.8%) together suggest softening demand for buy-side activity and potential continued upward pressure on carrying costs for buyers.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.

Jacksonville, FL 32207 Real Estate Market Report

ZIP Code: 32207
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on condominium properties. Metrics are calculated from recent condo sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

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Property Taxes

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Jacksonville FL 32207 are 6.3% compared to 5.8% for typical loans originated earlier in 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary market indicator, median sold price $184,500, signals the neighborhood's representative recent sale level and, when contrasted with the median listing price $247,250, suggests notable pricing friction between asking and transaction levels; stable listing-sold gap may indicate sellers need to calibrate expectations to close deals.

2. The median days on market 477 points to much slower sales velocity than typical market cycles and therefore suggests slower transaction volume, giving buyers more negotiation leverage while requiring sellers to plan for extended holding costs.

3. Price momentum metrics are muted: price year-over-year trend flat and market temperature neutral, which together indicate a balanced but softening environment rather than a growth market; neutral market conditions imply limited upside for quick appreciation.

4. Macro and income signals are headwinds: interest rate pressure elevated (local 30-year rate 6.3% vs 5.8% earlier in 2026) alongside rent year-over-year trend down and median market rent $1,445, which suggests financing costs and weaker rental demand may constrain investor returns; elevated interest rate pressure warrants more conservative underwriting for acquisitions.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.