Best Places32095, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 32095, 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.
32095 ranks 1,252nd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low crime by a wide margin, and car insurance costs are the weak spot.
The best neighborhoods in 32095
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.
32095's strengths and weaknesses
Where 32095 ranks high
- Crime safetyBetter than 98% of zip codes
- State infrastructureBetter than 98% of zip codes
- Cost of living vs incomeBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- School gradeA, better than 94% of zip codes
Where 32095 ranks low
- Cheap car insuranceBetter than only 10% of zip codes
- Disaster safetyBetter than only 14% of zip codes
- Heat safetyBetter than only 15% of zip codes
- Cheap childcare$1,222 a month, better than only 20% of zip codes
- Housing crash safetyBetter than only 24% of zip codes
What it costs to buy a home in 32095
A household needs to earn about $140,000 a year to comfortably buy the median 32095 home, at 20% down and today's 30-year rate. That is only a little above the area's median income of $129,539; the gap is small, which keeps homes within reach of local pay.
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 32095's effective rate of 1.09%, 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 10 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 32095
32095 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 32095.
Who works in 32095, and how
Work in 32095 centers on professional & technical and education. Unemployment sits above the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 67%
- Work from home 32%
- Transit, walk, or bike 1%
Life in 32095
The coast is about 14 minutes away. Distance to the water changes a lot across 32095, which the map shows.
What the weather is like in 32095, month by month
32095 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 32095
Jacksonville International sits about 38 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 32095
Schools across 32095 average an A, better than 94% of zip codes.
Top elementary schools
- Ocean Palms Elementary SchoolA+ · 83% proficient
- Valley Ridge AcademyA+ · 83% proficient
- Palencia Elementary SchoolA+ · 76% proficient
Top middle schools
- Alice B. Landrum Middle SchoolA+ · 81% proficient
- Pacetti Bay Middle SchoolA+ · 72% proficient
- Sebastian Middle SchoolA · 62% proficient
Top high schools
- Allen D Nease Senior High SchoolA · 79% proficient
- St Johns County Juvenile Residential At St. Johns Youth AcadF · 10% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 32095 school and its grade on SchoolGrade.
32095 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 32095 against the other 33,109 zip codes.
Common questions about living in 32095
Is 32095 a good place to live?
Using BestNeighborhood's default rankings, 32095 ranks 1,252nd of 33,110 zip codes. It scores highest on low crime, state infrastructure, 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 32095 expensive to live in?
The median home is worth $514,207. The overall cost of living runs about 14% below the national average. Set against a $129,539 median income, cost of living beats 98% of zip codes.
Is 32095 safe?
Yes, 32095 is safer than 98% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $93 per resident a year.
Compare 32095 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 32095. Scores are absolute rather than ranked, which means a 60 in 32095 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.
32095 detail on BestNeighborhood maps:
- Walk Grade for 32095: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 32095: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 32095: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 32095: carrier by carrier coverage behind the cell score.
32095 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.