Free for editorial use with attribution to Momentum Realty. Updated quarterly from the realMLS record, FRED, the Census Bureau and Freddie Mac. Built for journalists, agents, and operators who need accurate Jacksonville housing data.
All charts on this page are free to embed or download for editorial use (news articles, blog posts, social media, presentations) with attribution to Momentum Realty (movewithmomentum.com). PNG versions are 1600x900 pixels, suitable for stock photo platforms and high-resolution publishing. SVG versions are vector, suitable for web embedding at any size.
For commercial use beyond editorial (paid advertising, monetized course materials, white-label resale), contact jon@movewithmomentum.com.
To embed a chart, use the SVG URL: https://cdn.movewithmomentum.com/charts/svg/[chart-name].svg
For full data sources, derivation methods, and limitations, see our chart data methodology.
A generation ago the typical first-time buyer was in their late 20s: 29 in 1981 and 28 in 1991. The median age reached 33 in 2019, 38 in 2024 and a record 40 in 2025, while the first-time share of all buyers fell to 21%. High rents, student debt and home prices have stretched the years it takes to save a down payment.
Source: National Association of Realtors, Profile of Home Buyers and Sellers (1981–2025)
The pandemic turned America into a nation of savers: the personal saving rate averaged 15.3% in 2020 and 11.6% in 2021. That cushion is gone. The annual rate fell to 3.3% in 2022, 4.6% in 2025 and 3.0% in July 2026, well below the 8.4% long-run average since 1959. Less saving means smaller down payments and longer waits.
Source: U.S. Bureau of Economic Analysis, Personal Saving Rate (PSAVERT) via FRED
The top 10% of earners drive nearly half of all U.S. consumer spending: 49.2% in Q2 2025, up from 48.5% the quarter before and 49.7% in Q3 2024, the highest readings since the series began in 1989, when the share was about 36%. Rising stock and home equity insulated the wealthy while everyone else faced a cash crunch, and it shows up in housing as record-high buyer ages and record-low first-time buyer share.
Source: Moody's Analytics (Mark Zandi) analysis of Federal Reserve data
The Duval County median closed price rose about 50% from 2019 to 2024, but the monthly principal-and-interest payment on it more than doubled: about $880 a month in 2019 at a 3.94% rate, $1,842 in 2024 at 6.72%, and $1,735 in the first half of 2026 at 6.37%. Prices flattened; the payment did not.
In 2019 the Duval County median home needed about $53,000 of household income at a 30% housing ratio, under the city’s ACS median household income of $69,872 (2020-2024 five-year estimate). By 2024 the same calculation needed about $95,000, and about $91,000 in the first half of 2026. A gap of roughly $20,000 to $25,000 that did not exist in 2019.
Median closed price of all residential sales recorded in realMLS for Duval County, by year: about $206,000 in 2019, $304,000 in 2022, a $316,000 peak in 2024, then $310,000 in 2025 and $309,000 for January to June 2026. Three flat years after a 47% climb.
Net residents gained from other states, by Census estimate year: +310,892 in 2022, +183,646 in 2023, +58,411 in 2024 and +22,517 in 2025, a 93% decline from the peak. International migration added roughly 179,000 more in 2025, so the state still grew, but the domestic engine behind the 2020 to 2022 housing run has largely stopped.
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.
