Jacksonville, FL 32257 Real Estate Market Report
ZIP Code: 32257
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.
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.
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.
Rental Market
Property Taxes
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.
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 the 32257 area average 6.38%, reflecting a stable market environment for property owners compared to earlier 2026 benchmarks.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
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The primary indicator of recent transaction activity is the median sold price of 330,000, which anchors market value and aligns with a flat price year-over-year trend, suggesting price stability rather than directional growth or decline.
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The median listing price of 369,000 sits noticeably above the median sold price of 330,000, which may indicate pricing friction and potential negotiation opportunity for buyers as sellers’ asking prices outpace recent transaction levels.
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The market shows slower liquidity, with a median days on market of 297, which points to slower sales velocity and a relatively constrained active supply in the analyzed sample—this suggests transactions are taking longer to close and buyers may have more time to negotiate.
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Rental and financing context is mixed: the median market rent is 1,850 while rent year-over-year trend is down, and interest rate pressure is described as elevated with current 30-year fixed mortgage rates averaging 6.38%, which together may weigh on investor cash-flow assumptions and renter demand near-term.
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.
Recent Transactions
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Sold below market average
Sold below market average
Jacksonville, FL 32257 Real Estate Market Report
ZIP Code: 32257
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.
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.
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.
Rental Market
Property Taxes
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.
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 the 32257 area average 6.38%, reflecting a stable market environment for property owners compared to earlier 2026 benchmarks.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
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The primary market signal is the median sold price of 150,000, which represents the most reliable indicator of recent transaction value and suggests that recent closings anchor neighborhood value around this level rather than asking prices.
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There is a meaningful gap between the median listing price of 175,000 and the median sold price of 150,000, which may indicate seller asking expectations exceed recent transaction levels and could lead to pricing friction during negotiations.
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Market liquidity appears slow given the median days on market of 512, which suggests slower sales velocity and that sellers may need to accommodate more concessions or price adjustments to transact in a neutral market environment.
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Rental conditions show a median market rent of 1,500 while rents are trending down, and this, combined with elevated interest rate pressure (30-year fixed average 6.38%), may limit investor upside near-term and supports a cautious underwriting approach for buy-and-hold strategies.
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.
Recent Transactions
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Sold above market average
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Sold below market average
Sold below market average
Investment Analysis
Compare rental income potential against ownership costs and benchmark against market averages.
Monthly rental income vs estimated ownership cost
20% down, 6.4% rate, 0.9% tax
Avg nightly rate and occupancy for this ZIP
Data Sources
Real estate market data & public records, and GemHaus® proprietary models.
Report generated: 5/7/2026
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