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City · 23,654 residents · Duval County, Florida

Jacksonville Beach , Florida

In Jacksonville Beach, a typical home is worth $575,800 and typical rent is $1,848 a month. Compared with all of Duval County, the typical home value is 90% higher, typical household income is 69% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $575,800

    90% above the county

    60% above Florida

    • Jacksonville Beach
    • Duval
    • Florida

  • Typical rent

    $1,848a month

    25% above the county

    11% above Florida

    • Jacksonville Beach
    • Duval
    • Florida

  • Typical household income

    $120,698a year

    69% above the county

    62% above Florida

    • Jacksonville Beach
    • Duval
    • Florida

  • Households that own their home

    69%

    11 points above the county

    1 points above Florida

    • Jacksonville Beach
    • Duval
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$636,883
3.4% more than 12 months ago
Typical rent
$2,470 a month
1.8% more than 12 months ago

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

Jacksonville 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 Jacksonville Beach apart

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

  1. The typical home in Jacksonville Beach is worth $575,800, 90% more than in Duval County as a whole ($303,500).

  2. The typical household income in Jacksonville Beach is $120,698, 69% more than in Duval County as a whole ($71,277).

  3. Nearby, in Jacksonville, the typical home value is $293,700: 49% less than in Jacksonville Beach ($575,800).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Jacksonville Beach rose 3.4%; in Florida, it fell 0.9%.

  5. Nearby, in Jacksonville, the typical rent is $1,465: 21% less than in Jacksonville Beach ($1,848).

  6. The typical rent in Jacksonville Beach is $1,848 a month, 25% more than in Duval County as a whole ($1,475).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Jacksonville Beach

What homes there are in Jacksonville 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

In Jacksonville Beach there is a bit of everything: no kind of home reaches half. The most common are detached houses (48%); in Duval County, 59%.

Year built

By age, homes in Jacksonville Beach look like those in Duval County: the typical year built is 1983.

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

$2,472 a month

Duval County: $1,753 a month

Without a mortgage

$920 a month

Duval County: $575 a month

Owners with a mortgage

61%

Duval County: 64%

Owning costs more in Jacksonville Beach: with a mortgage, the typical cost is $2,472 a month; in Duval County, $1,753. Without one, $920.

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

Homes in Jacksonville Beach gained value more slowly than in Duval County: 56% since 2015–2019, against 68%.

The typical rent in Jacksonville Beach rose 27% over the same time; in Duval County, it rose 37%.

The typical household income in Jacksonville Beach rose 33% over that time; home values changed +56% and rent +27%.

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

MeasureJacksonville 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 2.122.412.512.53
Drive alone 64%71%70%69%
Carpool 4%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 26%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Jacksonville Beach are smaller: 2.12 people on average; in Duval County, 2.41.

In Jacksonville Beach, 26% 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 Jacksonville Beach?

A typical home costs more than the typical income allows

We start with a typical home in Jacksonville Beach, worth $575,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Jacksonville Beach, which is $120,698 a year. For that payment to be 28% of income, a household would need to earn about $199,941 a year.

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 Jacksonville 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 $20,153 (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

$4,665

at 7.18% · 30 years

Loan amount
$565,371
Total interest
$813,436
Paid off in
November 2056

Includes $9,724 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,816 a month

  • Tight

    $2,816 to $3,621 a month

  • Hard

    more than $3,621 a month

    Your payment · 46%

Compared with the typical household income in Jacksonville Beach ($120,698 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,665
Principal & interest$3,830
Property tax$341
Home insurance$240
FHA mortgage insurance (MIP)$255

You need at least $20,153 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

Jacksonville Beach and Duval County

Jacksonville 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).

Jacksonville Beach's own numbers

Typical home value
$575,800
Typical monthly rent
$1,848
Typical yearly household income
$120,698
Households that own their home
69%
Effective property tax rate
0.71%

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 Jacksonville Beach

A typical home in Jacksonville Beach is worth $575,800: 90% above the county and 60% above Florida. With the typical household income in Jacksonville Beach ($120,698 a year), a typical home costs 4.8 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.

  • Jacksonville Beach 4.8 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

Jacksonville 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
  • Jacksonville Beach $575,800
  • Duval $303,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Jacksonville Beach $1,848
  • Duval $1,475
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Jacksonville Beach $120,698
  • Duval $71,277
  • Florida $74,568
  • United States $80,734
See the full table
Jacksonville Beach next to Duval County and Florida
Measure Jacksonville Beach Duval County Florida U.S.
Typical home value $575,800 $303,500 $359,000 $332,700
Typical monthly rent $1,848 $1,475 $1,669 $1,413
Typical yearly household income $120,698 $71,277 $74,568 $80,734
Households that own their home 69% 58% 68% 65%
Typical yearly property tax $4,088 $2,264 $2,730 $3,119
Effective property tax rate 0.71% 0.75% 0.76% 0.94%
Renters with high rent for their income 45% 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 Jacksonville Beach

For a typical $575,800 home in Jacksonville Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jacksonville Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,665a month

    Least cash to close
    Down payment
    $20,153
    Cash to close
    $37,427
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $255

  • Conventional, 5% down $4,560a month

    Down payment
    $28,790
    Cash to close
    $46,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $274

  • Conventional, 20% down, no PMI $3,701a month

    Down payment
    $115,160
    Cash to close
    $132,434
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,233a month

    Down payment
    $86,370
    Cash to close
    $103,644
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% 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 Jacksonville Beach and for Duval County.

Property tax

Effective rate in Jacksonville Beach

0.71%of the home’s value each year

$4,088 a year for the typical owner in Jacksonville Beach.

  • Jacksonville Beach 0.71%
  • 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 Jacksonville Beach

Typical rent in Jacksonville Beach is $1,848 a month: 25% above the county. In Jacksonville Beach, 45% 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 Jacksonville Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jacksonville Beach is in ZIP code 32250.

For 2 bedrooms it is $2,140: $446 more than the fair market rent for Duval County ($1,694).

  • 32250 $2,140$2,620

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jacksonville 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 Jacksonville Beach

HUD lists 3 buildings with rents for lower incomes in Jacksonville Beach. These are the largest.

  • Pablo Towers 115 3rd St S, Jacksonville Beach 32250 199 homes, 168 low-income · For older adults (904) 249-3866
  • Waves Scattered Sites, Jacksonville Beach 32250 127 low-income homes · 1 bd: 18 · 2 bd: 46 · 3 bd: 46 · 4 bd: 17 · In service since 2020 · For families
  • Pablo Hamlet 1600 Shetter Ave, Jacksonville Beach 32250 154 homes, 104 low-income · For older adults (904) 241-5207

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

Free help

Help to buy or rent in Jacksonville 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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Jacksonville Beach

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Jacksonville Beach

The HUD-approved agencies closest to the center of Jacksonville 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 · 12 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 · 17 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 Jacksonville 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 Jacksonville Beach

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

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Jacksonville Beach

Short answers with the numbers for Jacksonville 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 Jacksonville Beach?

The typical home value in Jacksonville Beach is $575,800, 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 Jacksonville Beach?

Typical rent in Jacksonville Beach is $1,848 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 Jacksonville Beach?

Jacksonville 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 Jacksonville Beach?

The typical homeowner in Jacksonville Beach pays $4,088 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Duval County, the rate is 0.75%.

Where can I find free help to buy or rent in Jacksonville 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).