ZIP Code · FL

ZIP 32065

Pop. 41,578·Clay County·451st most expensive ZIP in Florida
Median rent (all units)
$1,877/mo
Year-over-Year
+2.3%
Month-over-Month
+0.6%
vs US Median
-$55
Reported rents
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 32065 · $1,877
More expensive than 54% of US ZIP codes · National median $1,932/mo
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Medians by bedroom

Rent by unit size

Studio
$1,580
1 BR
$1,610
2 BR
$1,930
3 BR
$2,380
4 BR+
$2,980
Research median
$1,930/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

January. Asking rents in ZIP 32065 usually run 0.7% below trend in January and 0.8% above it in August, about $28 a month apart at today's median. Based on 11 years of data.

Compared with the peak

Rent in ZIP 32065 is at its highest level since Zillow's records here began in January 2015.

Past year vs. the rest of Florida

Rent in ZIP 32065 changed +2.3% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.

Rent vs. income since 2019

From 2019 to 2024, rent in ZIP 32065 rose 40.9% while median household income rose 39.4% ($69,923 to $97,455). Rent outpaced income.

Since before the pandemic

Rent in ZIP 32065 is 41.1% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($97,455) is $2,436 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($2,380); a 4-bedroom is $2,980.

Cheaper nearby

ZIP 32073, 4 miles away, rents for 25% less ($1,415/mo), about $5,500 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 32065. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost
$22,524/yr
At $1,877/mo median
Location
StateFL
CountyClay County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (2.3% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+2.3% YoY, +0.6% MoM), not inventory.
Demographics

Who lives here

ZIP 32065 (Orange Park, FL) is majority owner-occupied, has a large share of families with children, has a median income above the national average, 24.8% of residents hold a bachelor's degree or higher.

Population
41,578
Median income
$97,455
Median age
37.2
Renters
27.5%
Age distribution
26%
20.3%
29.7%
13%
Under 1826%
18–3420.3%
35–5429.7%
55–6411%
65+13%
Gender
48%
52%
Male48%
Female52%
Race & ethnicity
52.4%
23.1%
15.3%
White52.4%
Black23.1%
Hispanic15.3%
Asian4.6%
Other4.6%
Education (25+)
29.1%
38.2%
24.8%
No HS diploma7.9%
HS diploma29.1%
Some college38.2%
Bachelor's+24.8%
Housing tenure
72.5%
27.5%
Owner72.5%
Renter27.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 32065 in Orange Park, FL has changed in 5 years

Rent
$1,476 → $1,877
up 27.2%
Income
$79,984 → $97,455
up 21.8%
Population
39,146 → 41,578
up 6.2%
Renter share
22.7% → 27.5%
+4.8 pts
Bachelor's+
28.2% → 24.8%
-3.4 pts

Since 2021, the typical rent in ZIP 32065 in Orange Park, FL has increased from $1,476 to $1,877, a 27.2% change over five years. On the earnings side, the typical household in ZIP 32065 in Orange Park, FL now reports about $97,455, up from $79,984 in 2021. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 6.2% since 2021, moving from about 39,146 residents to roughly 41,578. Renters now make up 27.5% of households, compared with 22.7% five years ago. College-educated residents now make up 24.8% of adults here, versus 28.2% in 2021. For context, the 2021 to 2026 window covers an unusually volatile run for US rents nationally, and ZIP 32065 in Orange Park, FL reflects that arc in its own way.

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About renting in ZIP 32065

Last updated: October 17, 2026

ZIP code 32065 covers Orange Park, FL. The median rent here is $1,877/mo as of October 2026. A 1-bedroom rents for a median of $1,610/mo. A 2-bedroom rents for a median of $1,930/mo.

At 23% of local median household income ($97,455/yr), ZIP 32065 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 32065?

To keep rent at or below 30% of gross income, you would need to earn at least $75,000/year (about $36/hour full-time) to afford the median rent of $1,877/mo in ZIP 32065. The local median household income is $97,455/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 32065?

Rent in ZIP 32065 has risen 2.3% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2015.

When is the cheapest time to rent in ZIP 32065?

Asking rents in ZIP 32065 are usually lowest in January, about 0.7% below their yearly trend, and highest in August, about 0.8% above it. At today's median that is a gap of roughly $28 a month. This pattern comes from 11 years of Zillow rent data.

Has rent outpaced income in ZIP 32065?

Yes. From 2019 to 2024, rent in ZIP 32065 rose 40.9% while median household income rose 39.4%, from $69,923 to $97,455. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 32065 compare to other ZIPs in Florida?

ZIP 32065 is one of the more affordable among Florida ZIP codes for rent, ranking #451 of 656 at $1,877/mo. Over the year to September 2026, rent in ZIP 32065 changed +2.3%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.

How does ZIP 32065 compare to the rest of Orange Park?

At $1,877/mo, ZIP 32065 is $272 above the Orange Park citywide median of $1,605/mo.
Income Affordability
23%
VERY AFFORDABLE

At $1,877/mo, rent takes ~23% of ZIP 32065's median household income ($97,455/yr). The standard benchmark is 30%.

ZIP 32065 23%Benchmark 30%
State income taxNone
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