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City · 7,168 residents · Duval County, Florida

Neptune Beach , Florida

In Neptune Beach, a typical home is worth $670,900 and typical rent is $1,763 a month. Compared with all of Duval County, the typical home value is 121% higher, typical household income is 67% higher, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $670,900

    121% above the county

    87% above Florida

    • Neptune Beach
    • Duval
    • Florida

  • Typical rent

    $1,763a month

    20% above the county

    6% above Florida

    • Neptune Beach
    • Duval
    • Florida

  • Typical household income

    $119,294a year

    67% above the county

    60% above Florida

    • Neptune Beach
    • Duval
    • Florida

  • Households that own their home

    73%

    15 points above the county

    5 points above Florida

    • Neptune Beach
    • Duval
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$790,947
7.6% more than 12 months ago
Typical rent
$2,897 a month
7.2% more than 12 months ago

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

Neptune 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 Neptune Beach apart

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

  1. The typical home in Neptune Beach is worth $670,900, 121% more than in Duval County as a whole ($303,500).

  2. The typical household income in Neptune Beach is $119,294, 67% more than in Duval County as a whole ($71,277).

  3. Nearby, in Jacksonville, the typical home value is $293,700: 56% less than in Neptune Beach ($670,900).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Neptune Beach rose 7.6%; in Florida, it fell 0.9%.

  5. 73% of households in Neptune Beach own their home, against 58% in Duval County.

  6. Nearby, in Jacksonville, the typical rent is $1,465: 17% less than in Neptune Beach ($1,763).

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

The homes here

Housing in Neptune Beach

What homes there are in Neptune 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 Neptune Beach: 69% of homes, more than in Duval County (59%).

Year built

In Neptune Beach, half of the homes were built before 1973; in Duval County, before 1986.

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

$2,628 a month

Duval County: $1,753 a month

Without a mortgage

$847 a month

Duval County: $575 a month

Owners with a mortgage

64%

Duval County: 64%

Owning costs more in Neptune Beach: with a mortgage, the typical cost is $2,628 a month; in Duval County, $1,753. Without one, $847.

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, home values in Neptune Beach rose at about the same pace as in Duval County: 67% against 68%.

Rents in Neptune Beach rose more slowly than in Duval County: 29% since 2015–2019, against 37%.

The typical household income in Neptune Beach rose 33% over that time; home values changed +67% and rent +29%.

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

MeasureNeptune 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 2.222.412.512.53
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 27%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Neptune Beach are smaller: 2.22 people on average; in Duval County, 2.41.

In Neptune Beach, 27% 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 Neptune Beach?

A typical home costs more than the typical income allows

We start with a typical home in Neptune Beach, worth $670,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Neptune Beach, which is $119,294 a year. For that payment to be 28% of income, a household would need to earn about $231,286 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 Neptune 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 $23,482 (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

$5,397

at 7.18% · 30 years

Loan amount
$658,748
Total interest
$947,784
Paid off in
November 2056

Includes $11,330 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,784 a month

  • Tight

    $2,784 to $3,579 a month

  • Hard

    more than $3,579 a month

    Your payment · 54%

Compared with the typical household income in Neptune Beach ($119,294 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,397
Principal & interest$4,463
Property tax$358
Home insurance$280
FHA mortgage insurance (MIP)$297

This loan is over the FHA limit

You'd borrow $647,418, but the FHA limit for a one-unit home in Neptune Beach is $580,750. You'd need a bigger down payment or a different loan.

You need at least $23,482 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

Neptune Beach and Duval County

Neptune 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).

Neptune Beach's own numbers

Typical home value
$670,900
Typical monthly rent
$1,763
Typical yearly household income
$119,294
Households that own their home
73%
Effective property tax rate
0.64%

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 Neptune Beach

A typical home in Neptune Beach is worth $670,900: 121% above the county and 87% above Florida. With the typical household income in Neptune Beach ($119,294 a year), a typical home costs 5.6 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.

  • Neptune Beach 5.6 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

Neptune 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
  • Neptune Beach $670,900
  • Duval $303,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Neptune Beach $1,763
  • Duval $1,475
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Neptune Beach $119,294
  • Duval $71,277
  • Florida $74,568
  • United States $80,734
See the full table
Neptune Beach next to Duval County and Florida
Measure Neptune Beach Duval County Florida U.S.
Typical home value $670,900 $303,500 $359,000 $332,700
Typical monthly rent $1,763 $1,475 $1,669 $1,413
Typical yearly household income $119,294 $71,277 $74,568 $80,734
Households that own their home 73% 58% 68% 65%
Typical yearly property tax $4,269 $2,264 $2,730 $3,119
Effective property tax rate 0.64% 0.75% 0.76% 0.94%
Renters with high rent for their income 48% 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 Neptune Beach

For a typical $670,900 home in Neptune Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Neptune Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,397a month

    Above the FHA limit for Duval County ($580,750)
    Down payment
    $23,482
    Cash to close
    $43,609
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $297

  • Conventional, 5% down $5,274a month

    Least cash to close
    Down payment
    $33,545
    Cash to close
    $53,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $319

  • Conventional, 20% down, no PMI $4,273a month

    Down payment
    $134,180
    Cash to close
    $154,307
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,894a month

    Down payment
    $100,635
    Cash to close
    $120,762
    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 Neptune Beach and for Duval County.

Property tax

Effective rate in Neptune Beach

0.64%of the home’s value each year

$4,269 a year for the typical owner in Neptune Beach.

  • Neptune Beach 0.64%
  • 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 Neptune Beach

Typical rent in Neptune Beach is $1,763 a month: 20% above the county. In Neptune Beach, 48% 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 Neptune Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Neptune Beach is in ZIP code 32266.

For 2 bedrooms it is $1,850: $156 more than the fair market rent for Duval County ($1,694).

  • 32266 $1,850$2,270

A ZIP code counts for Neptune 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?

Free help

Help to buy or rent in Neptune 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 Neptune Beach

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Neptune Beach

The HUD-approved agencies closest to the center of Neptune 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 Neptune 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 Neptune Beach

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

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Neptune Beach

Short answers with the numbers for Neptune 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 Neptune Beach?

The typical home value in Neptune Beach is $670,900, 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 Neptune Beach?

Typical rent in Neptune Beach is $1,763 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 Neptune Beach?

Neptune 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 Neptune Beach?

The typical homeowner in Neptune Beach pays $4,269 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Duval County, the rate is 0.75%.

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