Jacksonville today
What this means
Jacksonville prices barely moved in the past year (−0.2%), now 6.6% below the Nov 2022 peak.
A specific house can rent above or below these figures, so pull rental comps for the address. Sources and method: how these figures are built.
Quick facts
| Jacksonville | vs Duval County | vs Florida | |
|---|---|---|---|
| Population | 1,017,689 (2025 estimate) | ||
| Growth since 2020 | 7.2% | +0.4 pts | -1.7 pts |
| Median home value | $293,700 | 3% lower | 18% lower |
| Median gross rent | $1,465 | 1% lower | 12% lower |
| Median household income | $69,872 | 2% lower | 6% lower |
| Owner occupied homes | 57.6% | -0.6 pts | -10.0 pts |
| Residents 65 and older | 14.9% | -0.4 pts | -6.4 pts |
| Average commute (minutes) | 24 | about the same | 14% lower |
| Homes built 2010 or later | 15.4% | +0.3 pts | +1.2 pts |
| Median property tax paid | $2,176 | 4% lower | 20% lower |
Census survey figures are 2020 to 2024 averages; methods.
Living in Jacksonville
Florida's largest city by population and area, on the Atlantic and the St. Johns River, platted in 1822.
As an incorporated city, Jacksonville sets its own zoning inside Duval County.
Known for: JAXPORT; Naval Air Station Jacksonville; Friendship Fountain; CSX headquarters
Port, rail, interstate and air links make it a major logistics hub.
Compared with Duval County as a whole, homes are cheaper than the county median ($293,700 vs $303,500); household incomes are lower ($69,872 vs $71,277); fewer homes are owner occupied (57.6% vs 58.2%) and it grew faster than the county since 2020 (7.2% vs 6.8%).
Closest matches on price and rent: University (Orange County) ($298,900, $1,445), Spring Hill ($288,500, $1,440), Plant City ($291,800, $1,409).
Growth and housing
Jacksonville changed 7.2% in population from 2020 to 2025 (county 6.8%, Florida 8.9%).
| 2025 building permits | Jacksonville |
|---|---|
| Single family | 3,611 |
| 5 or more units | 2,253 |
| Total units | 5,890 |
| Per 1,000 residents | 5.8 |
Median year built: 1987. The housing mix is 59.2% detached houses and 24.7% larger buildings. Households average 2.42 people.
Out of state arrivals: 3.2% of residents a year, versus 3.2% countywide.
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $2,786 a year |
| Coastal county | check flood zone and elevation per address |
With 39.6% of the stock built before 1980, budget for roof, electrical and plumbing updates. Inspections
Condo towers and big complexes (11.6% of homes) mean assessments and building approval matter. Condo financing
Flood, storms and jobs
Jacksonville has its own flood program rating: CRS class 6, which takes 20% off federal flood premiums in high risk zones. Insured homes in the city filed 4,222 flood claims since 2000, with $184,365,141 paid. For county flood claims, disaster history and jobs, see the Duval County guide (3% of homes there are in high risk zones).
Buying a home in Jacksonville
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $580,750 |
| Conforming, one unit | $832,750 |
| Median home value here | $293,700 |
Homes cost 4.2 times median household income here (Duval County 4.3, Florida 4.8).
- Conventional: the default for buyers with solid credit and 5% or more down.
- FHA: works for the typical $293,700 home here.
- VA: veterans are 10.4% of adults.
Investing in Jacksonville
Long term rentals
| Jacksonville | vs Duval County | |
|---|---|---|
| Renter occupied homes | 42.4% | +0.6 pts |
| Rental vacancy | 7.9% | same |
| Rent as share of renter income | 32.8% | +0.1 pts |
Short term rentals
Seasonal and vacation homes: 0.7% of the stock, against 0.9% countywide.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| State sales tax | 6% plus any county surtax |
Get the zoning and HOA answer in writing before you count on nightly income. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 59.2% |
| Buildings with 5+ units | 24.7% |
| Manufactured homes | 3.7% |
Nearby
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.
- Wikipedia article for this place (history, setting, roads). 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.