In Jacksonville, a typical home is worth $293,700 and typical rent is $1,465 a month. Home values, rent and income are very close to those of all of Duval County.
Typical home value from Zillow, September 2021 to September 2026: from $246,492 to $284,832.
Typical rent
$1,589a month
▲ 2.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,407 to $1,589.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Jacksonville 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Bellair-Meadowbrook Terrace, the typical home value is $224,900: 23% less than in Jacksonville ($293,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Jacksonville
What homes there are in Jacksonville, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Jacksonville
Duval County
Florida
United States
Kind of home: Jacksonville and its comparisons
Measure
Jacksonville
Duval County
Florida
United States
Detached house
59%
59%
55%
61%
Attached house
5%
5%
7%
6%
Building of 2 to 4
7%
7%
6%
8%
Apartments (5 or more)
25%
25%
25%
19%
Mobile home
4%
4%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Jacksonville, 6 in 10 homes are single-family detached houses, about the same as in Duval County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Jacksonville
Duval County
Florida
United States
Year built: Jacksonville and its comparisons
Measure
Jacksonville
Duval County
Florida
United States
Before 1960
19%
19%
10%
26%
1960–1979
21%
21%
24%
24%
1980–1999
28%
28%
34%
25%
2000–2009
17%
17%
18%
14%
2010 or later
15%
15%
14%
11%
In Jacksonville, half of the homes were built before 1987; in Duval County, before 1986.
In Jacksonville, 62% of homes have 3 bedrooms or more, about the same as in Duval County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K10%
$100K–$200K17%
$200K–$300K25%
$300K–$500K35%
$500K–$750K9%
FHA limit: $580,750
$750K–$1M2%
$1M or more3%
Value of owner-occupied homes: Jacksonville and its comparisons
Measure
Jacksonville
Under $100K
10%
$100K–$200K
17%
$200K–$300K
25%
$300K–$500K
35%
$500K–$750K
9%
$750K–$1M
2%
$1M or more
3%
About 89% of owner-occupied homes in Jacksonville are worth less than the FHA loan limit for Duval County ($580,750).
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$99913%
$1,000–$1,49935%
$1,500–$1,99930%
HUD fair market rent, 2 bedrooms: $1,694
$2,000–$2,49912%
$2,500–$2,9993%
$3,000 or more2%
Monthly rent with utilities: Jacksonville and its comparisons
Measure
Jacksonville
Under $500
4%
$500–$999
13%
$1,000–$1,499
35%
$1,500–$1,999
30%
$2,000–$2,499
12%
$2,500–$2,999
3%
$3,000 or more
2%
HUD's 2-bedroom fair market rent (FMR) for Duval County is $1,694: about 64% of rents in Jacksonville are below it.
With a mortgage
$1,730 a month
Duval County: $1,753 a month
Without a mortgage
$560 a month
Duval County: $575 a month
Owners with a mortgage
65%
Duval County: 64%
In Jacksonville, 65% of owners have a mortgage; their typical cost is $1,730 a month, about the same as in Duval County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Jacksonville+70%
Duval County+68%
Florida+67%
United States+53%
Typical rent
Jacksonville+38%
Duval County+37%
Florida+42%
United States+33%
Typical household income
Jacksonville+28%
Duval County+28%
Florida+34%
United States+29%
Change since 2015–2019: Jacksonville and its comparisons
Measure
Jacksonville
Duval County
Florida
United States
Typical home value
+70%
+68%
+67%
+53%
Typical rent
+38%
+37%
+42%
+33%
Typical household income
+28%
+28%
+34%
+29%
The typical home value in Jacksonville rose 70% since 2015–2019, about the same as in Duval County (68%).
The typical rent in Jacksonville rose 38% since 2015–2019, about the same as in Duval County (37%).
Here income did not keep up with housing: it rose 28%, while home values changed +70% and rent +38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Jacksonville and its comparisons
Measure
Jacksonville
Duval County
Florida
United States
Rental vacancy
7.9%
7.9%
7.6%
5.5%
Homeowner vacancy
1.3%
1.3%
1.4%
0.9%
More than one person per room
2.4%
2.3%
3.3%
3.4%
People per household
2.42
2.41
2.51
2.53
Drive alone
71%
71%
70%
69%
Carpool
9%
9%
9%
9%
Public transit
1%
1%
1%
3%
Walk or bike
2%
2%
2%
3%
Work from home
16%
16%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Jacksonville look like those in Duval County: the rental vacancy rate is 7.9%.
In Jacksonville, 2.4% of households live with more than one person per room, about the same as in Duval County.
By size, households in Jacksonville look like those in Duval County: 2.42 people on average.
To get to work, 71% of workers in Jacksonville drive alone; in Duval County, 71%.
Do the math
What would you pay each month for a home in Jacksonville?
A typical home costs more than the typical income allows
We start with a typical home in Jacksonville, worth $293,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Jacksonville, which is $69,872 a year. For that payment to be 28% of income, a household would need to earn about $102,299 a year.
The calculator's FHA and conventional loan limits are those of all of Duval County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Jacksonville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,280 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,387
at 7.18% · 30 years
Loan amount
$288,380
Total interest
$414,911
Paid off in
November 2056
Includes $4,960 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,630 a month
Tight
$1,630 to $2,096 a month
Hard
more than $2,096 a month
Your payment · 41%
Compared with the typical household income in Jacksonville ($69,872 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,954
Property tax
$181
Home insurance
$122
FHA mortgage insurance (MIP)
$130
You need at least $10,280 for the down payment, plus closing costs.
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.
Total monthly payment $2,387; principal and interest $1,954.
The city and its county
Jacksonville and Duval County
Jacksonville 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
Map of Duval County, Florida, with Jacksonville marked. Around it, the neighboring counties.
Jacksonville
Duval County
Other cities with a page
Jacksonville's own numbers
Typical home value
$293,700
Typical monthly rent
$1,465
Typical yearly household income
$69,872
Households that own their home
58%
Effective property tax rate
0.74%
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.
A typical home in Jacksonville is worth $293,700: 3% below the county and 18% below Florida. With the typical household income in Jacksonville ($69,872 a year), a typical home costs 4.2 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.
Jacksonville4.2 years
Duval4.3 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Duval County, 2016 to 2025
2016: +8.4% +8.4% 2016
2017: +8.1% +8.1% 2017
2018: +9.2% +9.2% 2018
2019: +4.9% +4.9% 2019
2020: +5.1% +5.1% 2020
2021: +15.5% +15.5% 2021
2022: +20.9% +20.9% 2022
2023: +5.9% +5.9% 2023
2024: +2.9% +2.9% 2024
2025: +0.3% +0.3% 2025
Change in FHFA’s price index in Duval County, Florida and the United States
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 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$293,700
Duval$303,500
Florida$359,000
United States$332,700
Typical monthly rent
Jacksonville$1,465
Duval$1,475
Florida$1,669
United States$1,413
Typical yearly household income
Jacksonville$69,872
Duval$71,277
Florida$74,568
United States$80,734
See the full table
Jacksonville next to Duval County and Florida
Measure
Jacksonville
Duval County
Florida
U.S.
Typical home value
$293,700 ▼3% below the county
$303,500
$359,000
$332,700
Typical monthly rent
$1,465
$1,475
$1,669
$1,413
Typical yearly household income
$69,872
$71,277
$74,568
$80,734
Households that own their home
58% ▼1 points below the county
58%
68%
65%
Typical yearly property tax
$2,176 ▼4% below the county
$2,264
$2,730
$3,119
Effective property tax rate
0.74% ▼0.01 points below the county
0.75%
0.76%
0.94%
Renters with high rent for their income
57%
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
For a typical $293,700 home in Jacksonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jacksonville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,387a month
Least cash to close
Down payment
$10,280
Cash to close
$19,091
Rate
7.18%
Mortgage insurance
FHA MIP · $130
Conventional, 5% down$2,333a month
Down payment
$14,685
Cash to close
$23,496
Rate
7.18%
Mortgage insurance
PMI · $140
Conventional, 20% down, no PMI$1,895a month
Down payment
$58,740
Cash to close
$67,551
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,167a month
Down payment
$44,055
Cash to close
$52,866
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Jacksonville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,387
$10,280
$288,380
7.18%
FHA MIP · $130
$19,091
580
Conventional, 5% down
$2,333
$14,685
$279,015
7.18%
PMI · $140
$23,496
620*
Conventional, 20% down, no PMI
$1,895
$58,740
$234,960
7.18%
None
$67,551
620*
ITIN, 15% down (example)
$2,167
$44,055
$249,645
8.18%
None
$52,866
Set by the lender
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.
Typical rent in Jacksonville is $1,465 a month: about the same as the county. In Jacksonville, 57% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Duval County (Fiscal year 2027)
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
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jacksonville has 33 ZIP codes with their own.
For 2 bedrooms it runs from $1,150 in 32206 to $2,540 in 32226.
15 of the 33 are above the fair market rent for Duval County ($1,694).
2-bedroom fair market rent in each of the 33 ZIP codes of Jacksonville, beside the one for Duval County. For 2 bedrooms it runs from $1,150 in 32206 to $2,540 in 32226. 15 of the 33 are above the fair market rent for Duval County ($1,694).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,694
Lowest: $1,150 (32206)Highest: $2,540 (32226)
Fair market rent by ZIP code and size in Jacksonville, fiscal year 2027.
32202
$1,150
$1,170
$1,390
$1,700
$2,130
32203
$1,370
$1,390
$1,660
$2,030
$2,540
32204
$1,170
$1,180
$1,410
$1,730
$2,160
32205
$1,260
$1,270
$1,520
$1,860
$2,330
32206
$950
$960
$1,150
$1,410
$1,760
32207
$1,300
$1,320
$1,570
$1,920
$2,400
32208
$1,170
$1,190
$1,420
$1,740
$2,170
32209
$1,030
$1,040
$1,240
$1,520
$1,900
32210
$1,170
$1,190
$1,420
$1,740
$2,170
32211
$1,120
$1,140
$1,360
$1,670
$2,080
32212
$2,000
$2,030
$2,420
$2,970
$3,710
32214
$1,370
$1,390
$1,660
$2,030
$2,540
32216
$1,280
$1,300
$1,550
$1,900
$2,370
32217
$1,150
$1,170
$1,390
$1,700
$2,130
32218
$1,410
$1,430
$1,700
$2,080
$2,600
32219
$1,230
$1,250
$1,490
$1,830
$2,280
32220
$1,220
$1,230
$1,470
$1,800
$2,250
32221
$1,600
$1,630
$1,940
$2,380
$2,970
32222
$1,690
$1,710
$2,040
$2,500
$3,120
32223
$1,500
$1,520
$1,810
$2,220
$2,770
32224
$1,610
$1,640
$1,950
$2,390
$2,990
32225
$1,590
$1,610
$1,920
$2,350
$2,940
32226
$2,100
$2,130
$2,540
$3,110
$3,890
32227
$1,780
$1,800
$2,150
$2,640
$3,290
32228
$1,780
$1,800
$2,150
$2,640
$3,290
32233
$1,480
$1,500
$1,790
$2,190
$2,740
32244
$1,440
$1,460
$1,740
$2,130
$2,660
32246
$1,730
$1,750
$2,090
$2,560
$3,200
32254
$1,110
$1,120
$1,340
$1,640
$2,050
32256
$1,700
$1,720
$2,050
$2,510
$3,140
32257
$1,360
$1,380
$1,650
$2,020
$2,530
32258
$1,830
$1,850
$2,210
$2,710
$3,380
32277
$1,270
$1,280
$1,530
$1,880
$2,340
ZIP code2 bd3 bd
32202 $1,390$1,700
32203 $1,660$2,030
32204 $1,410$1,730
32205 $1,520$1,860
32206 $1,150$1,410
32207 $1,570$1,920
32208 $1,420$1,740
32209 $1,240$1,520
32210 $1,420$1,740
32211 $1,360$1,670
32212 $2,420$2,970
32214 $1,660$2,030
32216 $1,550$1,900
32217 $1,390$1,700
32218 $1,700$2,080
32219 $1,490$1,830
32220 $1,470$1,800
32221 $1,940$2,380
32222 $2,040$2,500
32223 $1,810$2,220
32224 $1,950$2,390
32225 $1,920$2,350
32226 $2,540$3,110
32227 $2,150$2,640
32228 $2,150$2,640
32233 $1,790$2,190
32244 $1,740$2,130
32246 $2,090$2,560
32254 $1,340$1,640
32256 $2,050$2,510
32257 $1,650$2,020
32258 $2,210$2,710
32277 $1,530$1,880
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jacksonville 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
Mission Pointe - Jacksonville12450 Biscayne Blvd, Jacksonville 32218388 low-income homes · 1 bd: 84 · 2 bd: 208 · 3 bd: 96 · In service since 2003 · For families
Courtney Manor5620 Collins Rd, Jacksonville 32244360 low-income homes · 1 bd: 72 · 2 bd: 144 · 3 bd: 128 · 4 bd: 16 · In service since 2000 · For families
Madelyn Oaks5710 Lenox Ave, Jacksonville 32205360 homes, 359 low-income · 1 bd: 36 · 2 bd: 140 · 3 bd: 148 · 4 bd: 36 · In service since 2003 · For families
Brentwood Lake761 Village Center Dr S, Jacksonville 32206326 low-income homes · 1 bd: 130 · 2 bd: 164 · 3 bd: 32 · In service since 2005 · For families
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.
No down payment, repair or rent-help program on our list is for Jacksonville or Duval County. The ones below are statewide in Florida: they work in Jacksonville the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of Jacksonville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
JA
Jacksonville Area Legal Aid, Inc.
126 W Adams St, Jacksonville · 1 miles away · Spanish
Also serves in American Sign Language (ASL), Creole, French, and Hindi.
No legal help resource on our list is for Jacksonville or Duval County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Jacksonville 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?
The typical home value in Jacksonville is $293,700, 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?
Typical rent in Jacksonville is $1,465 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?
Jacksonville 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?
The typical homeowner in Jacksonville pays $2,176 a year, according to the U.S. Census Bureau. That is 0.74% 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?
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.
