32003 (Fleming Island)
Housing Market
Median sale price $305,000, down 4.8% year over year, with homes going under contract in about 36 days, 67 homes on the market.
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Housing Market Analyst
Inventory sits at 2.9 months of supply — tight by the 3-to-6-month balanced benchmark, and 45% of listed homes are already under contract. Prices are down 4.8% versus the prior year, but sellers are still collecting 95.8% of asking. Taken together, the data points to a seller-leaning market.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors sellers.
- Prices — more likely to stabilize than fall sharply. Supply remains below balanced levels even as prices soften; without a meaningful inventory build, further declines tend to be shallow.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — sellers hold the leverage while 45% of inventory sits under contract.
- Mortgage sensitivity — at 3.9× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here gradually.
Derived from current 32003 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
Where 32003 is hot — and where it isn't
Each dot is a community (37 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on 32003 (Fleming Island)
The median sale price across 32003 currently stands at $305,000, down 4.8% from a year ago. Buyers are paying a median of $194 per square foot. The typical home goes under contract in about 36 days. Sellers are capturing 95.8% of their original asking price on average.
There are 67 active listings on the market, with 33 more already under contract. At the current sales pace that works out to 2.9 months of supply — a seller-leaning market by the standard six-month benchmark. 334 homes closed here over the trailing 12 months.
Zillow's home value index for Clay County stands at $339,078. About 29% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 32003 is 69 of 100 — healthy market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
32003 since 2012 — and where it’s heading
A median home here sold for $152,731 in 2012 and $389,266 over the last recorded year — 155% appreciation across 14 years of recorded sales. Cash buyers took 27% of recent sales, down from a 33% peak.
Median sale price · 2012–2026 (15,658 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Clay County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Clay County (MLS)
What’s driving 32003
Top inbound states: CA, VA, NY, NC. Movers arriving report ~$65,179 average income. Source: IRS SOI county-to-county migration, 2022-2023
606 Citizens policies in force in Clay County — the state-backed insurer of last resort. Budget insurance into any Clay purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
1,240 single-family · 282 multi-family · 6.8 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in 32003 right now.
The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.
Sellers: price to the last 60 days of comps, not the peak — well-prepared listings are still commanding strong terms. Buyers: get underwritten now so you can move when the right house hits.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Nearby ZIP codes in Clay
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 32003 ← this page | $305K | 67 | 69 | |
| 32043 | $336K | 230 | 52 | Open → |
| 32068 | $325K | 221 | 63 | Open → |
| 32073 | $299K | 166 | 63 | Open → |
| 32065 | $346K | 126 | 64 | Open → |
| 32656 | $295K | 73 | 52 | Open → |
Neighborhoods on the move
| Reserve At GreenbriarSt. Johns | $675K | ▲ 16% |
| Fleming Oaks ReplatFleming Island | $455K | ▲ 6% |
| Pickwick ParkJacksonville | $425K | ▲ 5% |
| Eagle HarborFleming Island | $560K | ▲ 1% |
| Harbor IslandFleming Island | $343K | ▲ 0% |
| Pace IslandFleming Island | $458K | ▼ 15% |
| Lake Ridge Villas NorthFleming Island | $209K | ▼ 13% |
| Stone CreekOrange Park | $285K | ▼ 12% |
| Autumn GlenFleming Island | $225K | ▼ 9% |
| Fleming Island PlantationFleming Island | $405K | ▼ 9% |
| Eagle HarborFleming Island | $560K | 20 |
| Fleming Island PlantationFleming Island | $405K | 7 |
| Pace IslandFleming Island | $458K | 7 |
| LakeshoreJacksonville | $230K | 6 |
| RivergateJacksonville | $400K | 6 |
| FlemingbrookFleming Island | $417K | 12 days |
| Eagle HarborFleming Island | $560K | 20 days |
| Pace IslandFleming Island | $458K | 22 days |
| Peters CreekOrange Park | $400K | 23 days |
| Margarets WalkFleming Island | $580K | 25 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 32003 right now?
The data says conditions currently favor sellers in 32003 — the Momentum Score reads 69/100 with 2.9 months of supply. Buyers should come fully underwritten; sellers still set the pace here. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 32003 becoming more affordable?
Yes, modestly — the median sale price in 32003 is $305,000, down 4.8% versus the prior year, while sellers still capture 95.8% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in 32003?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Pace Island (-15%); Lake Ridge Villas North (-13%); Stone Creek (-12%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which 32003 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Flemingbrook (12 days); Eagle Harbor (20 days); Pace Island (22 days) — homes there go under contract well ahead of the market-wide pace of 36 days.
32003 (Fleming Island) housing market FAQ
What is the median home price in 32003?
The median sale price in 32003 is currently $305,000, down 4.8% from a year ago, based on MLS sales data updated August 6, 2026.
Is 32003 a buyer's or seller's market right now?
The data currently favors sellers. 32003 scores 69 of 100 on the Momentum Score, with 2.9 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 32003?
The typical home in 32003 goes under contract in about 36 days, per current MLS data.
How many homes are for sale in 32003?
There are approximately 67 active listings in 32003 as of August 6, 2026.
Are home prices in 32003 rising or falling?
Median sale prices are down 4.8% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across 32003 (Fleming Island). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: August 6, 2026 at 7:18 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.