Duval County today
| Typical value | |
|---|---|
| Single family house | $305,000 |
| Condo or townhome | $186,000 |
What this means
Values in Duval County are about flat (−0.1% in a year), now 6.3% below the Nov 2022 peak.
Run the calculator below with the real numbers.
Sources and method: how these figures are built.
Quick facts
| Duval County | Compared with Florida | |
|---|---|---|
| Population, 2025 estimate | 1,062,963 | 4.5% of Florida |
| Growth since 2020 | 6.8% | -2.1 pts |
| Median home value | $303,500 | 15% lower |
| Median gross rent | $1,475 | 12% lower |
| Median household income | $71,277 | 4% lower |
| Owner occupied homes | 58.2% | -9.4 pts |
| Residents 65 and older | 15.3% | -6.0 pts |
| Average commute | 24 min | 14% lower |
| Homes built 2010 or later | 15.1% | +0.9 pts |
| Housing units permitted in 2025 per 1,000 residents | 5.7 | 25% lower |
| Veterans, share of adults | 10.3% | +2.9 pts |
| Median property tax paid | $2,264 | 17% lower |
| Average homeowners insurance with wind | $2,786 |
Census figures are 2020 to 2024 averages; see sources and methods.
Living in Duval County
Three things set apart Duval County: few seasonal and vacation homes (0.9% of housing); more renters than most of Florida (41.8% of homes); and a younger population (15.3% age 65 or older).
Coastal plain county in northeast Florida, consolidated with the City of Jacksonville, with about 17 percent of its area in water. The county was formed in 1822 and is governed from Jacksonville.
The population centers are Jacksonville, Jacksonville Beach and Atlantic Beach. Jacksonville alone has about 977,670 residents.
What anchors the area
- Colleges: University of North Florida (Jacksonville); Edward Waters University (Jacksonville); Jacksonville University (Jacksonville); Florida State College at Jacksonville (Jacksonville)
- Major teams: Jacksonville Jaguars (NFL, Jacksonville)
- Commercial airports: Jacksonville International Airport (JAX)
- Military: Naval Air Station Jacksonville; Naval Station Mayport; Marine Corps Support Facility Blount Island; Jacksonville Air National Guard Base
- Known for: Timucuan Ecological and Historic Preserve; Jacksonville Beach
Only 15.3% of residents are 65 or older, younger than the state.
Growth and where it is heading
Population went from 995,569 in April 2020 to 1,062,963 in July 2025 (6.8%; Florida 8.9%). The 2024 to 2025 change was +0.78%.
| 2025 building permits | Units |
|---|---|
| Single family | 3,732 |
| 2 to 4 units | 32 |
| 5 or more units | 2,253 |
| Total | 6,017 |
| Per 1,000 residents | 5.7 (close to Florida, 7.6) |
What the regional research shows
Jacksonville apartments had 6.0% vacancy and an average rent of $1,488 in the third quarter of 2026, up 1.7%, with a cap rate near 5.54% and prices around $152,000 per unit (Matthews, Q3 2026). Baymeadows, East Jacksonville and Orange Park and Mandarin were the tightest submarkets; Northside had the most vacancy (8.7%).
More on corridors and rents: Northeast and North Central investor guide.
Risks to price in
The state landfall record since 2000 does not include Duval County, but storms crossing Florida still bring wind and heavy rain.
Average homeowners premium with wind: $2,786 a year, about $232 a month (Florida Office of Insurance Regulation, March 2026).
Coastal county: check the flood zone and elevation of every address.
Older stock (39.9% built before 1980) means insurers will look hard at roofs, wiring and plumbing. Insurance and inspections
High rise exposure: 11.7% of housing is in large buildings, where reserves and assessments decide financing. Condo financing
Flood, storms and jobs
| Duval County | Florida | |
|---|---|---|
| Homes in a FEMA high risk flood zone | 9,721 (3%) | 13.3% |
| Homes with federal flood insurance | 20,676 (6.3%) | 13.7% |
| Insured share inside high risk zones | 60.3% | |
| Flood insurance claims since 2000 | 4,878, $201,130,111 paid | |
| Costliest flood events for insured homes | Hurricane Irma ($142,536,127); Hurricane Matthew ($18,919,920); Other or unnamed flooding ($10,585,249) | |
| Major federal disasters declared since 2000 | 17 (12 hurricane, 2 severe storm, 1 tropical storm) |
Where people work: health care and social assistance (14%), retail (11%), finance and insurance (10%), out of 508,104 private jobs in Duval County (2023). The visitor economy (hotels and restaurants) is 9% of private jobs, close to the Florida share.
Buying a home in Duval County
| 2026 loan limit, one unit | Amount |
|---|---|
| FHA | $580,750 |
| Conforming (above this is jumbo) | $832,750 |
The median priced home fits under the FHA limit with room to spare. FHA limits
Homes cost 4.3 times the median household income here, versus 4.8 statewide. That makes ownership easier to reach than in most of the state.
Loans made here in 2025
| Loan type | Loans | Share | Florida share | Average loan |
|---|---|---|---|---|
| Conventional | 13,957 | 64.9% | 72.2% | $325,441 |
| FHA | 3,797 | 17.7% | 17.8% | $275,735 |
| VA | 3,710 | 17.3% | 9.9% | $349,806 |
| USDA | 26 | 0.1% | 0.2% | $15,385 |
| Purpose | Share of 2025 loans |
|---|---|
| Home purchase | 60.3% |
| Cash out refinance | 16.1% |
| Rate and term refinance | 10.7% |
| Home improvement | 6.2% |
Lending volume grew 2.6% versus 2024, when lenders made 20,955 loans. VA loans are unusually common here.
Loans that fit the local numbers
- Conventional: used for 64.9% of loans; mortgage insurance comes off later.
- FHA: the $580,750 limit covers the typical $303,500 home.
- VA: veterans are 10.3% of adults (Florida 7.4%).
Down payment help and taxes
Assistance with cash to close is offered statewide by the Florida Housing Finance Corporation. Owners paid a median $2,264 in property tax (0.75% of value). Homestead and tax caps
Investing in Duval County
DSCR loans often price above this rate. Method. DSCR loans
Run your own numbers
Long term rentals
| Duval County | vs Florida | |
|---|---|---|
| Renter occupied homes | 41.8% | +9.4 pts |
| Rent as share of renter income | 32.7% | -2.5 pts |
| Rental vacancy | 7.9% | +0.3 pts |
Short term rentals
| Item | Here |
|---|---|
| County tourist tax | 6% |
| Plus state sales tax | 6% (plus any county surtax) |
| Homes held for seasonal use | 0.9% (-6.9 pts vs Florida) |
| Commercial airport | Jacksonville International Airport (JAX) |
Vacation rental towns with guides: Jacksonville Beach. A home only works as a vacation rental if zoning and the HOA both allow it. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 59% |
| Buildings with 5+ units | 24.6% |
| Manufactured homes | 3.6% |
| 2025 loans on 2 to 4 unit properties | 1.2% |
Largest cities and towns in Duval County
Among places with at least 1,000 residents, Neptune Beach has the highest median value ($670,900) and Baldwin the lowest ($180,700); Jacksonville shows the best rent to price ratio (5.99% gross).
| Place | Population | Median value | Median rent | Median income |
|---|---|---|---|---|
| Jacksonville | 977,670 | $293,700 | $1,465 | $69,872 |
| Jacksonville Beach | 23,654 | $575,800 | $1,848 | $120,698 |
| Atlantic Beach | 13,363 | $630,200 | $2,159 | $118,935 |
| Neptune Beach | 7,168 | $670,900 | $1,763 | $119,294 |
| Baldwin | 1,298 | $180,700 | $545 | $47,500 |
Census places, including unincorporated communities. Linked places have their own guide.
Compare with neighboring counties
1 of its 4 neighbors is cheaper by median value.
| County | Median value | Median rent | Growth since 2020 |
|---|---|---|---|
| Duval County | $303,500 | $1,475 | 6.8% |
| Baker County | $256,700 | $1,302 | 5.2% |
| Clay County | $312,500 | $1,551 | 9.8% |
| Nassau County | $382,800 | $1,526 | 18.3% |
| St. Johns County | $489,200 | $1,922 | 26.7% |
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.