The typical owner-occupied home in Jacksonville Beach is worth about $575,800, 60% above the Florida median of $359,000 and 73% above the national median of $332,700. Owners pay a median $4,088 a year in property taxes, about 0.71% of their home's value, lower than the Florida rate of 0.76%. The median household earns $120,698 a year, so the median home costs 4.8 times the median income (4.8 times for Florida). 69% of occupied homes here are lived in by their owners, and 61% of those owners still have a mortgage.
Jacksonville Beach at a glance
| Jacksonville Beach | Florida | U.S. | |
|---|---|---|---|
| Median home value | $575,800 | $359,000 | $332,700 |
| Median property tax paid per year | $4,088 | $2,730 | $3,119 |
| Property tax as a share of value | 0.71% | 0.76% | 0.94% |
| Median household income | $120,698 | $74,568 | $80,734 |
| Homes lived in by their owners | 69% | 68% | 65% |
| Owner homes with a mortgage | 61% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,472 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 19.7% | 23.6% | 21.0% |
| Median rent | $1,848 | $1,669 | $1,413 |
| Rent as a share of renters' income | 27.8% | 35.2% | 30.6% |
| Median year homes were built | 1983 | 1988 | 1980 |
| Vacant homes | 15.1% | 14.7% | 10.1% |
| Population | 23,654 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Jacksonville Beach
At this week's average 30-year rate of 7.11%, buying the median Jacksonville Beach home of $575,800 with 20% down costs about $3,679 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,639, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $157,686 for the 20%-down payment. That payment is 37% of the median Jacksonville Beach household income of $120,698; at that income and 20% down, the 28% guideline points to a home of about $441,000.
The median rent here is $1,848 a month, so owning the median home costs about $1,831 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $115,160 |
|---|---|
| Loan amount | $460,640 |
| Principal and interest | $3,099 |
| Property taxes (0.71% a year) | $341 |
| Homeowners insurance (our estimate, 0.5% a year) | $240 |
| PMI | $0 |
| Total per month | $3,679 |
Change the numbers in the calculator
| Down payment | $20,153 |
|---|---|
| Loan amount | $565,371 |
| Principal and interest | $3,803 |
| Property taxes (0.71% a year) | $341 |
| Homeowners insurance (our estimate, 0.5% a year) | $240 |
| FHA mortgage insurance | $255 |
| Total per month | $4,639 |
Change the numbers in the calculator
Questions about home buying in Jacksonville Beach
What is the median home value in Jacksonville Beach?
About $575,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Jacksonville Beach?
Homeowners pay a median $4,088 a year, which is about 0.71% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Jacksonville Beach?
For the median home with 20% down at 7.11%, the payment is about $3,679 a month. Keeping that under 28% of gross income takes about $157,686 a year.
More about Jacksonville Beach
- Mortgage Refinance in Jacksonville Beach
- Debt Relief in Jacksonville Beach
- Home Equity Loans in Jacksonville Beach
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data