Best Places32097, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 32097, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
32097 ranks 4,107th 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 32097
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.
32097's strengths and weaknesses
Where 32097 ranks high
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Crime safetyBetter than 95% of zip codes
- Local economyBetter than 94% of zip codes
- Voter turnoutBetter than 93% of zip codes
Where 32097 ranks low
- Cheap car insuranceBetter than only 10% of zip codes
- Disaster safetyBetter than only 12% of zip codes
- Heat safetyBetter than only 20% of zip codes
- Air qualityBetter than only 24% of zip codes
- TransitBetter than only 35% of zip codes
What it costs to buy a home in 32097
A household needs to earn about $88,000 a year to comfortably buy the median 32097 home, at 20% down and today's 30-year rate. That is below the area's own median income of $95,111, 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 32097's effective rate of 0.71%, 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 5 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 32097
32097's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 32097.
Who works in 32097, and how
Work in 32097 centers on retail trade and hospitality & food. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 12%
- Transit, walk, or bike 4%
Life in 32097
32097 has more restaurants and bars per resident than 92% of zip codes. The coast is about 18 minutes away. That concentrates in some parts of 32097 and thins out in others, which the map shows.
What the weather is like in 32097, month by month
32097 sees roughly 131 pleasant days a year. July highs average about 90 degrees. January highs sit near 65, with lows near 47. The comfortable stretch runs October through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 65° | 55° | 47° |
| April | 78° | 69° | 61° |
| July | 90° | 82° | 76° |
| October | 80° | 73° | 66° |
Flying in and out of 32097
Jacksonville International sits about 11 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 32097
Schools across 32097 average an A, better than 90% of zip codes.
Top elementary schools
- Wildlight ElementaryA+ · 82% proficient
- Yulee Elementary SchoolA+ · 75% proficient
- Saint Marys Elementary SchoolA− · 59% proficient
Top middle schools
- Yulee Middle SchoolA · 64% proficient
- Saint Marys Middle SchoolA · 62% proficient
- Camden Middle SchoolA− · 53% proficient
Top high schools
- Hilliard Middle-senior HighA− · 63% proficient
- Yulee High SchoolB+ · 55% proficient
- Camden County High SchoolB+ · 52% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 32097 school and its grade on SchoolGrade.
32097 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 32097 against the other 33,109 zip codes.
Who 32097 suits
Remote workers
Cost of living against local pay beats 85% of zip codes, internet is fast and widely advertised, and 12% already work from home.
Common questions about living in 32097
Is 32097 a good place to live?
Using BestNeighborhood's default rankings, 32097 ranks 4,107th of 33,110 zip codes. It scores highest on state infrastructure, low taxes, and low crime, 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 32097 expensive to live in?
The median home is worth $341,702. The overall cost of living runs about 15% below the national average. Set against a $95,111 median income, cost of living beats 85% of zip codes.
Is 32097 safe?
Yes, 32097 is safer than 95% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $110 per resident a year.
What is the weather like in 32097?
July highs average about 90 degrees, and January highs near 65 with lows near 47. That works out to about 131 pleasant days a year, more than 82% of zip codes.
Is 32097 good for families?
Schools beat 90% of zip codes, crime safety beats 95%, and childcare runs $830 a month.
Compare 32097 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 32097. Scores are absolute rather than ranked, which means a 60 in 32097 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.
32097 detail on BestNeighborhood maps:
- Walk Grade for 32097: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 32097: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 32097: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 32097: carrier by carrier coverage behind the cell score.
32097 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.