Jacksonville, FL home prices
Typical home $350,574 · -0.1% in a year · income needed $97,700
The Jacksonville, FL metro area ranks 222 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.1% in a year and +16.9% over five years. With 20% down at 7.11%, the typical home costs about $2,280 a month including 0.75% property tax (Duval County rate).
Mortgage on the typical Jacksonville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $70,115 | $280,459 | $1,887 | $0 | $393 | $2,280 | $97,700 |
| 10% down | $35,057 | $315,517 | $2,123 | $131 | $393 | $2,647 | $113,500 |
| 5% down | $17,529 | $333,045 | $2,240 | $139 | $393 | $2,772 | $118,800 |
| 3.5% down (FHA) | $12,270 | $344,224 | $2,316 | $155 | $393 | $2,864 | $122,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Jacksonville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Duval County, FL | $294,079 | -0.3% | 0.75% |
| Saint Johns County, FL | $492,987 | -0.8% | 0.76% |
| Clay County, FL | $335,274 | -0.3% | 0.72% |
| Nassau County, FL | $484,963 | +0.7% | 0.71% |
| Baker County, FL | $314,146 | +3.4% | 0.64% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Jacksonville?
The typical home in the Jacksonville, FL metro area is worth $350,574 (Zillow, September 2026).
What salary do you need to buy a house in Jacksonville?
About $97,700 a year for the typical home with 20% down at 7.11%.