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City · 16,648 residents · Nassau County, Florida

Yulee , Florida

In Yulee, a typical home is worth $302,500 and typical rent is $1,754 a month. Compared with all of Nassau County, the typical home value is 21% lower and typical rent is 15% higher.

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  • Typical home value

    $302,500

    21% below the county

    16% below Florida

    • Yulee
    • Nassau
    • Florida

  • Typical rent

    $1,754a month

    15% above the county

    5% above Florida

    • Yulee
    • Nassau
    • Florida

  • Typical household income

    $85,247a year

    5% below the county

    14% above Florida

    • Yulee
    • Nassau
    • Florida

  • Households that own their home

    79%

    4 points below the county

    11 points above Florida

    • Yulee
    • Nassau
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$389,001
0.9% more than 12 months ago
Typical rent
$2,090 a month
1.9% more than 12 months ago

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

Yulee is in Nassau 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 Nassau County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Yulee apart

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

  1. Nearby, in Fernandina Beach, the typical rent is $1,259: 28% less than in Yulee ($1,754).

  2. The typical home in Yulee is worth $302,500, 21% less than in Nassau County as a whole ($382,800).

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

The homes here

Housing in Yulee

What homes there are in Yulee, 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 is the most common home in Yulee: 68% of homes, near the figure in Nassau County (66%).

There are more mobile homes here than in Nassau County: 20% of homes, against 16%.

Year built

Here half of the homes date from 2004 or later; in Nassau County, from 2000 or later.

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

The FHA loan limit for Nassau County is $580,750, and about 94% of owner-occupied homes in Yulee are worth less than that.

Monthly rent with utilities

With a mortgage

$1,577 a month

Nassau County: $1,849 a month

Without a mortgage

$443 a month

Nassau County: $632 a month

Owners with a mortgage

69%

Nassau County: 59%

In Yulee, 69% of owners have a mortgage, and their typical cost is $1,577 a month, against $1,849 in Nassau County. Without one it drops to $443.

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 Yulee rose 62%; in Nassau County, it rose 66%.

Rents in Yulee rose at about the same pace as in Nassau County: 49% since 2015–2019, against 46%.

The typical household income in Yulee rose 24%: less than home values (+62%) and rent (+49%).

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

MeasureYuleeNassau CountyFloridaUnited States
Rental vacancy Unreliable estimate9.2%7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room Unreliable estimate1.7%3.3%3.4%
People per household 2.682.472.512.53
Drive alone 81%79%70%69%
Carpool 7%6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 7%14%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.68 on average, against 2.47 in Nassau County.

To get to work, 81% of workers in Yulee drive alone; in Nassau County, 79%.

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 Yulee?

A typical home is tight for the typical income

We start with a typical home in Yulee, worth $302,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Yulee, which is $85,247 a year. For that payment to be 28% of income, a household would need to earn about $103,528 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Yulee. 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 $10,588 (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

$2,416

at 7.18% · 30 years

Loan amount
$297,020
Total interest
$427,343
Paid off in
November 2056

Includes $5,108 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,989 a month

  • Tight

    $1,989 to $2,557 a month

    Your payment · 34%

  • Hard

    more than $2,557 a month

Compared with the typical household income in Yulee ($85,247 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,416
Principal & interest$2,012
Property tax$144
Home insurance$126
FHA mortgage insurance (MIP)$134

You need at least $10,588 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

Yulee and Nassau County

Yulee is in Nassau 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).

Yulee's own numbers

Typical home value
$302,500
Typical monthly rent
$1,754
Typical yearly household income
$85,247
Households that own their home
79%
Effective property tax rate
0.57%

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

Numbers for all of Nassau 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)
+65%
Homes in a high flood-risk zone
8.5%

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 Nassau County.

Everything about Nassau County

Buying

Buying a home in Yulee

A typical home in Yulee is worth $302,500: 21% below the county and 16% below Florida. With the typical household income in Yulee ($85,247 a year), a typical home costs 3.5 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.

  • Yulee 3.5 years
  • Nassau 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 Nassau County

According to FHFA’s house price index, home prices in Nassau County rose 139% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) +0.9% −0.5% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +139% +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

Yulee next to Nassau 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
  • Yulee $302,500
  • Nassau $382,800
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Yulee $1,754
  • Nassau $1,526
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Yulee $85,247
  • Nassau $89,804
  • Florida $74,568
  • United States $80,734
See the full table
Yulee next to Nassau County and Florida
Measure Yulee Nassau County Florida U.S.
Typical home value $302,500 $382,800 $359,000 $332,700
Typical monthly rent $1,754 $1,526 $1,669 $1,413
Typical yearly household income $85,247 $89,804 $74,568 $80,734
Households that own their home 79% 83% 68% 65%
Typical yearly property tax $1,716 $2,699 $2,730 $3,119
Effective property tax rate 0.57% 0.71% 0.76% 0.94%
Renters with high rent for their income 54% 54% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau 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 Yulee

For a typical $302,500 home in Yulee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yulee's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,416a month

    Least cash to close
    Down payment
    $10,588
    Cash to close
    $19,663
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $134

  • Conventional, 5% down $2,360a month

    Down payment
    $15,125
    Cash to close
    $24,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $144

  • Conventional, 20% down, no PMI $1,909a month

    Down payment
    $60,500
    Cash to close
    $69,575
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,189a month

    Down payment
    $45,375
    Cash to close
    $54,450
    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 Yulee and for Nassau County.

Property tax

Effective rate in Yulee

0.57%of the home’s value each year

$1,716 a year for the typical owner in Yulee.

  • Yulee 0.57%
  • Nassau 0.71%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Nassau County

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

Homes in the high-risk zone
8.5%
3,317
Of those, with NFIP insurance
61%
County Florida U.S.
Homes in the high-risk zone 8.5% 13% 3.5%
Of those, with NFIP insurance 61% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Yulee

Typical rent in Yulee is $1,754 a month: 15% above the county. In Yulee, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Nassau 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 Nassau 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 Yulee

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yulee is in ZIP code 32097.

For 2 bedrooms it is $2,070: $376 more than the fair market rent for Nassau County ($1,694).

  • 32097 $2,070$2,540

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

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.

We found no HUD-approved agencies with an office in Nassau County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Yulee

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Yulee

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

  • Jacksonville Area Legal Aid, Inc.

    126 W Adams St, Jacksonville · 22 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

  • NSC (naca Counseling Subsidiary) - Jacksonville, FL

    3986 Boulevard Center Dr Ste 101, Jacksonville · 23 miles away · Spanish

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

  • Wealth Watchers, Inc

    5310 Lenox Ave Ste 4, Jacksonville · 24 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (904) 265-4736

All counseling agencies in Florida

Help in Spanish near Yulee

2 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 Yulee

In HUD’s record, no housing authority with an office in Nassau County is named for Yulee or Nassau County.

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

Cities

Other cities in Nassau County

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

Everything about Nassau County Housing in Florida

Nearby cities

The cities closest to Yulee, with the typical home value.

Neighboring counties

If Nassau 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 Yulee.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Yulee

Short answers with the numbers for Yulee and all of Nassau 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 Yulee?

The typical home value in Yulee is $302,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $382,800.

How much does it cost to rent in Yulee?

Typical rent in Yulee is $1,754 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $1,694.

What is the FHA loan limit in Yulee?

Yulee uses the FHA limit for all of Nassau 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 Yulee?

The typical homeowner in Yulee pays $1,716 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Nassau County, the rate is 0.71%.

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

We found no HUD-approved counseling agencies with an office in Nassau County; the nearest ones are on this page. 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).