The typical owner-occupied home in Atlantic Beach is worth about $996,600, 2.4 times the New York median of $423,800 and 3.0 times the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 1.00% of their home's value, lower than the New York rate of 1.55%. The median household earns $165,565 a year, so the median home costs 6.0 times the median income (4.9 times for New York). 84% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Atlantic Beach at a glance
| Atlantic Beach | New York | U.S. | |
|---|---|---|---|
| Median home value | $996,600 | $423,800 | $332,700 |
| Median property tax paid per year | $10,001 | $6,582 | $3,119 |
| Property tax as a share of value | 1.00% | 1.55% | 0.94% |
| Median household income | $165,565 | $85,974 | $80,734 |
| Homes lived in by their owners | 84% | 54% | 65% |
| Owner homes with a mortgage | 54% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $4,001 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 28.6% | 22.5% | 21.0% |
| Median rent | $3,501 | $1,621 | $1,413 |
| Rent as a share of renters' income | 32.5% | 31.2% | 30.6% |
| Median year homes were built | 1960 | 1959 | 1980 |
| Vacant homes | 38.8% | 10.0% | 10.1% |
| Population | 1,422 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Atlantic Beach
At this week's average 30-year rate of 7.11%, buying the median Atlantic Beach home of $996,600 with 20% down costs about $6,609 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,430, 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 $283,247 for the 20%-down payment. That payment is 48% of the median Atlantic Beach household income of $165,565; at that income and 20% down, the 28% guideline points to a home of about $583,000.
The median rent here is $3,501 a month, so owning the median home costs about $3,108 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $199,320 |
|---|---|
| Loan amount | $797,280 |
| Principal and interest | $5,363 |
| Property taxes (1.00% a year) | $830 |
| Homeowners insurance (our estimate, 0.5% a year) | $415 |
| PMI | $0 |
| Total per month | $6,609 |
Change the numbers in the calculator
| Down payment | $34,881 |
|---|---|
| Loan amount | $978,549 |
| Principal and interest | $6,583 |
| Property taxes (1.00% a year) | $830 |
| Homeowners insurance (our estimate, 0.5% a year) | $415 |
| FHA mortgage insurance | $601 |
| Total per month | $8,430 |
Change the numbers in the calculator
Questions about home buying in Atlantic Beach
What is the median home value in Atlantic Beach?
About $996,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Atlantic Beach?
Homeowners pay a median $10,001 a year, which is about 1.00% 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 Atlantic Beach?
For the median home with 20% down at 7.11%, the payment is about $6,609 a month. Keeping that under 28% of gross income takes about $283,247 a year.
More about Atlantic Beach
- Mortgage Refinance in Atlantic Beach
- Debt Relief in Atlantic Beach
- Home Equity Loans in Atlantic 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