If you’ve been watching the Northeast Florida housing market closely, December’s data told a very clear story but the details behind that story are far more interesting than the headline. One of the most reliable ways to understand whether a market is tilting toward buyers or sellers is by looking at Months of Supply (MOS) and when you break it down by ZIP code, the picture becomes even sharper.
What Is Months of Supply and Why Does It Matter?
Simply put, Months of Supply answers one straightforward question: if no new homes were listed tomorrow, how long would it take to sell everything currently on the market at today’s pace? Generally speaking, anything below four months signals a seller’s market, while anything above six months starts giving buyers serious negotiating power. For December across Northeast Florida, the numbers painted a predominantly seller-friendly landscape but not everywhere.
The Big Picture: A Seller-Leaning Region
The standout takeaway from December’s data? A solid 72% of ZIP codes across the region came in under 4 months of supply. That’s a strong indicator that sellers held the advantage in most pockets of Northeast Florida heading into the new year. Homes in these areas were moving, competition among buyers was real, and well-priced listings weren’t sitting long.
Where Buyers Found Their Leverage
Not every ZIP code told the same story, though. A handful of Jacksonville ZIP codes actually crossed into true buyer’s market territory, offering more choices, longer days on market, and genuine room to negotiate especially on homes that weren’t perfectly updated or priced competitively.
The ZIP codes where buyers had the most edge included 32209 (7.4 MOS), 32254 (7.1 MOS), 32208 (6.6 MOS), 32222 (6.4 MOS), and 32226 (6.3 MOS). If you were actively searching in any of these areas during December, you likely had more breathing room than most of the region and potentially more power at the negotiation table.
Where Sellers Dominated
On the flip side, several ZIP codes were incredibly tight. Areas like 32266 (1.3 MOS), 32087 (1.7 MOS), and 32225 (1.8 MOS) were some of the most competitive in the region. With so few homes available relative to buyer demand, sellers in these neighborhoods held significant pricing power. Many other ZIPs clustered in the 2.0–2.9 MOS range, meaning the best-priced homes were still disappearing fast.
Why December Data Needs a Little Extra Context
December numbers always come with a caveat. A noticeable number of sellers pulled their listings off the market near the end of the year whether due to holiday timing or personal planning. That activity can make inventory appear tighter than it might reflect in a more “normal” month. Additionally, many homeowners traditionally wait until spring to list, meaning a fresh wave of inventory is likely coming as we move into February through April. If those delisted homes return alongside new listings, we could see Months of Supply climb in several ZIP codes.
What This Means Heading Into Spring 2026
Northeast Florida closed out 2025 in a largely seller-driven position, but the ZIP-level data makes one thing clear this market is not one-size-fits-all. Some neighborhoods are already shifting toward buyer leverage, and the spring inventory surge will be the key factor in determining whether that trend expands regionally.
Want a ZIP-specific breakdown for your neighborhood or price range? Reach out today I’ll pull the exact numbers for you.
