Best Places32092, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 32092, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
32092 ranks 902nd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and car insurance costs are the weak spot.
The best neighborhoods in 32092
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
32092's strengths and weaknesses
Where 32092 ranks high
- State infrastructureBetter than 98% of zip codes
- Local economyBetter than 98% of zip codes
- Cost of living vs incomeBetter than 98% of zip codes
- School gradeA, better than 96% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
Where 32092 ranks low
- Cheap car insuranceBetter than only 9% of zip codes
- Disaster safetyBetter than only 15% of zip codes
- Housing crash safetyBetter than only 19% of zip codes
- Cheap childcare$1,222 a month, better than only 20% of zip codes
- Short commute31.8 minutes each way, better than only 20% of zip codes
What it costs to buy a home in 32092
A household needs to earn about $129,000 a year to comfortably buy the median 32092 home, at 20% down and today's 30-year rate. That is below the area's own median income of $129,319, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 32092's effective rate of 0.75%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 7 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 32092
32092 runs older than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 32092.
Who works in 32092, and how
Work in 32092 centers on health care & social and professional & technical. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 72%
- Work from home 26%
- Transit, walk, or bike 2%
Life in 32092
The coast is about 22 minutes away. Distance to the water changes a lot across 32092, which the map shows.
What the weather is like in 32092, month by month
32092 sees roughly 132 pleasant days a year. July highs average about 90 degrees. January highs sit near 69, with lows near 46. The comfortable stretch runs October through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 69° | 57° | 46° |
| April | 80° | 70° | 60° |
| July | 90° | 81° | 75° |
| October | 82° | 75° | 67° |
Flying in and out of 32092
Jacksonville International sits about 37 miles away. It is a medium hub and boarded 3.7 million passengers in 2025, with 86 nonstop destinations.
The best schools in and around 32092
Schools across 32092 average an A, better than 96% of zip codes.
Top elementary schools
- Hickory Creek Elementary SchoolA+ · 83% proficient
- Liberty Pines AcademyA+ · 80% proficient
- Timberlin Creek Elementary SchoolA+ · 79% proficient
Top middle schools
- Switzerland Point Middle SchoolA+ · 74% proficient
- Pacetti Bay Middle SchoolA+ · 72% proficient
- Gamble Rogers Middle SchoolA− · 56% proficient
Top high schools
- Allen D Nease Senior High SchoolA · 79% proficient
- Bartram Trail High SchoolA · 76% proficient
- Pedro Menendez High SchoolB · 47% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 32092 school and its grade on SchoolGrade.
32092 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 32092 against the other 33,109 zip codes.
Who 32092 suits
Remote workers
Cost of living against local pay beats 98% of zip codes, internet is fast and widely advertised, and 26% already work from home.
Retirees
The weather beats 82% of zip codes, health care access beats 64%, and it is quieter than 60%.
Common questions about living in 32092
Is 32092 a good place to live?
Using BestNeighborhood's default rankings, 32092 ranks 902nd of 33,110 zip codes. It scores highest on state infrastructure, a strong job market, and what local pay buys, and lowest on car insurance costs and disaster risk. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 32092 expensive to live in?
The median home is worth $498,360. The overall cost of living runs about 15% below the national average. Set against a $129,319 median income, cost of living beats 98% of zip codes.
Is 32092 safe?
Yes, 32092 is safer than 89% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $131 per resident a year.
What is the weather like in 32092?
July highs average about 90 degrees, and January highs near 69 with lows near 46. That works out to about 132 pleasant days a year, more than 82% of zip codes.
Is 32092 good for families?
Schools beat 96% of zip codes, crime safety beats 89%, and childcare runs $1,222 a month.
Compare 32092 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 32092. Scores are absolute rather than ranked, which means a 60 in 32092 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
32092 detail on BestNeighborhood maps:
- Walk Grade for 32092: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 32092: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 32092: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 32092: carrier by carrier coverage behind the cell score.
32092 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.