Free for editorial use with attribution to Momentum Realty. Updated quarterly with NEFAR, FRED, Census, and Freddie Mac data. Built for journalists, agents, and operators who need accurate Jacksonville housing data.
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A generation ago, the typical first-time buyer was in their late 20s. In 2025 the median age hit a record 40, up from 38 in 2024 and 28 back in 1992. High rents, student debt, and home prices have stretched the years it takes to save a down payment. This is the affordability crisis in human terms.
Source: National Association of Realtors, Profile of Home Buyers and Sellers (1981–2025)
The pandemic turned America into a nation of savers, with the personal saving rate spiking to 16.8% in 2020. That cushion is gone. By early 2026 the rate had fallen to roughly 4.5%, well below the 8.4% long-run average since 1959. Less saving means smaller down payments and longer waits to buy.
Source: U.S. Bureau of Economic Analysis, Personal Saving Rate (PSAVERT) via FRED
The top 10% of earners now drive nearly half of all U.S. consumer spending, 49.2% in Q2 2025, the highest since the data began in 1989, up from about 35% in the mid-1990s. Rising stocks and home equity have insulated the wealthy while everyone else faces a cash crunch. It shows up in housing as record all-cash buyers at the top and priced-out first-timers at the bottom.
Source: Moody's Analytics (Mark Zandi) analysis of Federal Reserve data
Median home prices barely moved from 2022 to 2026, but the monthly mortgage payment doubled. The 2023 peak of $2,026/month was 108% higher than the 2020 low of $999. The Jacksonville buyer didn't get a price decline — they got a payment shock.
In 2019, the Jacksonville median home was affordable to a Jacksonville median-income household. By April 2026, the same home requires $116,000 of household income to afford, but the city's median income is only $66,000. A $50,000 affordability gap that didn't exist seven years ago.
Annual median sold price in the Jacksonville MSA. Climbed 53% from $235K (2019) to a $360K peak in 2022. Now settled at $325K in April 2026, essentially flat year-over-year and -9.7% from the 2022 peak. The affordability ceiling has been reached.
6-year trend of housing supply measured in months of inventory. April 2026's 3.38 months sits well below the 6-month balanced-market threshold. Inventory has actually tightened over the past 12 months even as the national trend has loosened.
Annual net domestic and international migration to Florida. The 2021 peak of +444,000 was the largest single-year migration influx in Florida history. By 2025, that figure had fallen 85% to +66,000. The migration engine that drove the 2020-2022 housing boom has stalled.
This is the start of a planned 500+ chart library covering Jacksonville and Northeast Florida housing market data. New charts are added regularly. Topics on the roadmap: rent vs buy break-even, insurance cost trends, sub-county price segmentation, new construction inventory by builder, days on market by price tier, mortgage rate buying power, and more.
Built and maintained by Jon Brooks, co-founder of Momentum Realty. For chart requests, custom data pulls, or commercial licensing, contact jon@movewithmomentum.com.
