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City · 13,363 residents · Duval County, Florida

Atlantic Beach , Florida

In Atlantic Beach, a typical home is worth $630,200 and typical rent is $2,159 a month. Compared with all of Duval County, the typical home value is 108% higher, typical household income is 67% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $630,200

    108% above the county

    76% above Florida

    • Atlantic Beach
    • Duval
    • Florida

  • Typical rent

    $2,159a month

    46% above the county

    29% above Florida

    • Atlantic Beach
    • Duval
    • Florida

  • Typical household income

    $118,935a year

    67% above the county

    59% above Florida

    • Atlantic Beach
    • Duval
    • Florida

  • Households that own their home

    74%

    16 points above the county

    6 points above Florida

    • Atlantic Beach
    • Duval
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$686,763
3.1% more than 12 months ago
Typical rent
$2,591 a month
5.9% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Atlantic Beach is in Duval County. The FHA loan limit ($580,750 for a one-unit home), the fair market rents and the help on this page are those of all of Duval County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Atlantic Beach apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Atlantic Beach is worth $630,200, 108% more than in Duval County as a whole ($303,500).

  2. The typical household income in Atlantic Beach is $118,935, 67% more than in Duval County as a whole ($71,277).

  3. Nearby, in Jacksonville, the typical home value is $293,700: 53% less than in Atlantic Beach ($630,200).

  4. The typical rent in Atlantic Beach is $2,159 a month, 46% more than in Duval County as a whole ($1,475).

  5. Nearby, in Jacksonville, the typical rent is $1,465: 32% less than in Atlantic Beach ($2,159).

  6. 74% of households in Atlantic Beach own their home, against 58% in Duval County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Atlantic Beach

What homes there are in Atlantic Beach, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Atlantic Beach: 63% of homes, more than in Duval County (59%).

Year built

The typical year built in Atlantic Beach is 1986, about the same as in Duval County (1986).

There is more room for a big family here: 69% of homes have 3 bedrooms or more, against 62% in Duval County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,419 a month

Duval County: $1,753 a month

Without a mortgage

$858 a month

Duval County: $575 a month

Owners with a mortgage

61%

Duval County: 64%

The typical cost for an owner with a mortgage in Atlantic Beach is $2,419 a month, more than in Duval County ($1,753); without one, $858.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Atlantic Beach rose 74%; in Duval County, it rose 68%.

Rents in Atlantic Beach rose faster than in Duval County: 62% since 2015–2019, against 37%.

The typical household income in Atlantic Beach rose 52%: less than home values (+74%) and rent (+62%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAtlantic BeachDuval CountyFloridaUnited States
Rental vacancy Unreliable estimate7.9%7.6%5.5%
Homeowner vacancy Unreliable estimate1.3%1.4%0.9%
More than one person per room Unreliable estimate2.3%3.3%3.4%
People per household 2.232.412.512.53
Drive alone 67%71%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 23%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.23 on average, against 2.41 in Duval County.

In Atlantic Beach, 23% of workers work from home, more than in Duval County (16%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Atlantic Beach?

A typical home costs more than the typical income allows

We start with a typical home in Atlantic Beach, worth $630,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Atlantic Beach, which is $118,935 a year. For that payment to be 28% of income, a household would need to earn about $217,705 a year. Note: at that price the loan is above the FHA limit for Duval County ($580,750), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Duval County.

Your numbers

Local data
$

Starts at the typical home value in Atlantic Beach. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $22,057 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,080

at 7.18% · 30 years

Loan amount
$618,786
Total interest
$890,287
Paid off in
November 2056

Includes $10,643 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,775 a month

  • Tight

    $2,775 to $3,568 a month

  • Hard

    more than $3,568 a month

    Your payment · 51%

Compared with the typical household income in Atlantic Beach ($118,935 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,080
Principal & interest$4,192
Property tax$347
Home insurance$263
FHA mortgage insurance (MIP)$279

This loan is over the FHA limit

You'd borrow $608,143, but the FHA limit for a one-unit home in Atlantic Beach is $580,750. You'd need a bigger down payment or a different loan.

You need at least $22,057 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Atlantic Beach and Duval County

Atlantic Beach is in Duval County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Atlantic Beach's own numbers

Typical home value
$630,200
Typical monthly rent
$2,159
Typical yearly household income
$118,935
Households that own their home
74%
Effective property tax rate
0.66%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Duval County

FHA limit, one-unit home
$580,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,694
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Duval County.

Everything about Duval County

Buying

Buying a home in Atlantic Beach

A typical home in Atlantic Beach is worth $630,200: 108% above the county and 76% above Florida. With the typical household income in Atlantic Beach ($118,935 a year), a typical home costs 5.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Atlantic Beach 5.3 years
  • Duval 4.3 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Duval County

According to FHFA’s house price index, home prices in Duval County rose 115% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Duval County.

Period County Florida U.S.
Last year (2025) +0.3% −0.5% +2.9%
5 years (2020–2025) +53% +60% +47%
10 years (2015–2025) +115% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Atlantic Beach next to Duval County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Atlantic Beach $630,200
  • Duval $303,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Atlantic Beach $2,159
  • Duval $1,475
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Atlantic Beach $118,935
  • Duval $71,277
  • Florida $74,568
  • United States $80,734
See the full table
Atlantic Beach next to Duval County and Florida
Measure Atlantic Beach Duval County Florida U.S.
Typical home value $630,200 $303,500 $359,000 $332,700
Typical monthly rent $2,159 $1,475 $1,669 $1,413
Typical yearly household income $118,935 $71,277 $74,568 $80,734
Households that own their home 74% 58% 68% 65%
Typical yearly property tax $4,163 $2,264 $2,730 $3,119
Effective property tax rate 0.66% 0.75% 0.76% 0.94%
Renters with high rent for their income 54% 56% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Duval County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Atlantic Beach

For a typical $630,200 home in Atlantic Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atlantic Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,080a month

    Above the FHA limit for Duval County ($580,750)
    Down payment
    $22,057
    Cash to close
    $40,963
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $279

  • Conventional, 5% down $4,964a month

    Least cash to close
    Down payment
    $31,510
    Cash to close
    $50,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $299

  • Conventional, 20% down, no PMI $4,025a month

    Down payment
    $126,040
    Cash to close
    $144,946
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,607a month

    Down payment
    $94,530
    Cash to close
    $113,436
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Atlantic Beach and for Duval County.

Property tax

Effective rate in Atlantic Beach

0.66%of the home’s value each year

$4,163 a year for the typical owner in Atlantic Beach.

  • Atlantic Beach 0.66%
  • Duval 0.75%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Duval County

FEMA does not publish these numbers by city: they are for all of Duval County.

Homes in the high-risk zone
3%
9,721
Of those, with NFIP insurance
60%
County Florida U.S.
Homes in the high-risk zone 3% 13% 3.5%
Of those, with NFIP insurance 60% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Atlantic Beach

Typical rent in Atlantic Beach is $2,159 a month: 46% above the county. In Atlantic Beach, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Duval County, by unit size. To pay the 2-bedroom one ($1,694 a month) without spending more than 30% of your income, you would need to earn $32.58 an hour working full time.

HUD fair market rent for all of Duval County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,401 $26.94 $56,040
1 bedroom $1,421 $27.33 $56,840
2 bedrooms $1,694 $32.58 $67,760
3 bedrooms $2,077 $39.94 $83,080
4 bedrooms $2,594 $49.88 $103,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Atlantic Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Atlantic Beach is in ZIP code 32233.

For 2 bedrooms it is $1,790: $96 more than the fair market rent for Duval County ($1,694).

  • 32233 $1,790$2,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Atlantic Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Atlantic Beach

HUD lists one building with rents for lower incomes in Atlantic Beach.

  • Orchid Trace 69 W 7th St, Atlantic Beach 32233 28 low-income homes · 2 bd: 8 · 3 bd: 20 · In service since 2001

See all 134 buildings in Duval County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Atlantic Beach

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Duval County; 3 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Atlantic Beach

No down payment, repair or rent-help program on our list is for Atlantic Beach or Duval County. The ones below are statewide in Florida: they work in Atlantic Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Atlantic Beach

The HUD-approved agencies closest to the center of Atlantic Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Credit.org - Jacksonville, FL Branch

    4720 Salisbury Rd, Jacksonville · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • NSC (naca Counseling Subsidiary) - Jacksonville, FL

    3986 Boulevard Center Dr Ste 101, Jacksonville · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (904) 306-9272

  • Jacksonville Area Legal Aid, Inc.

    126 W Adams St, Jacksonville · 16 miles away · Spanish

    Also serves in American Sign Language (ASL), Creole, French, and Hindi.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (904) 356-8371

Every agency in Duval County All counseling agencies in Florida

Help in Spanish near Atlantic Beach

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Atlantic Beach

In HUD’s record, no housing authority with an office in Duval County is named for Atlantic Beach or Duval County.

One other authority has an office in Duval County: see the list Source: HUD

Cities

Other cities in Duval County

These cities are also in Duval County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Duval County Housing in Florida

Nearby cities

The cities closest to Atlantic Beach, with the typical home value.

Neighboring counties

If Duval County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Atlantic Beach.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Atlantic Beach

Short answers with the numbers for Atlantic Beach and all of Duval County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Atlantic Beach?

The typical home value in Atlantic Beach is $630,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Duval County it is $303,500.

How much does it cost to rent in Atlantic Beach?

Typical rent in Atlantic Beach is $2,159 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Duval County is $1,694.

What is the FHA loan limit in Atlantic Beach?

Atlantic Beach uses the FHA limit for all of Duval County (2026): $580,750 for a one-unit home and $1,116,850 for a four-unit home.

How much property tax do owners pay in Atlantic Beach?

The typical homeowner in Atlantic Beach pays $4,163 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Duval County, the rate is 0.75%.

Where can I find free help to buy or rent in Atlantic Beach?

There are 4 HUD-approved counseling agencies with an office in Duval County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).