ZIP Code 32204 — Jacksonville city, FL Demographics & Data

ZIP code 32204 covers Jacksonville, FL in Duval County with a population of about 8,421.

At a glance, the area shows median age of 40.8 versus a U.S. median of about 38.9.

It sits in telephone area code 904; U.S. House district FL-4; the JACKSONVILLE media market.

Jacksonville, FL sits in a university / college context (near florida state college at jacksonville (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 32204 is about $54,462 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.2%; unemployment rate near 5.1%; 40.7% of adults with a bachelor’s degree or higher (about 7.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 16.4% of workers reporting work-from-home (about 1.2 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $342,700 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $980 (about 16% below the U.S. median rent ($1,163)), and owner-occupancy near 25.0% (about 40.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32204 in Jacksonville, FL, a household would need roughly $94,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,201. That is about 73% above the local median household income ($54,462), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Jacksonville city, FL as Relatively High (composite score 97.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (97.7) and flood (97.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Jacksonville city, FL show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 377 for ZIP 32204 (Jacksonville city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.