Cost of Living in Yulee, Florida: The 2026 Numbers
Yulee is in Nassau County, Florida (ZIP codes 32097). · Homes for sale in Yulee · Nassau County
Cost of living in Yulee, FL (2026): owning the median home — $456,000 over the last 12 months of sales — costs about $2,985 a month with 20% down at 6.71% (principal and interest $2,356, Nassau County property tax about $449, insurance about $97 at the Citizens county average, and a typical HOA of $83). For comparison, a typical rental across the same ZIP codes runs about $2,077 a month (Zillow Observed Rent Index), so buying costs roughly $908 more per month than renting before equity and tax treatment. Florida has no state income tax; the costs that move the most between Florida cities are the home price, property tax at your purchase price, and insurance.
Yulee is the new-construction answer to Jacksonville's north side, and its cost of living reflects that: a higher median than Jacksonville because the homes are new and large, but the lowest county millage and the lowest Citizens insurance average of any city in this comparison.
On the monthly number, that combination puts Yulee close to cities with much lower home prices.
What it costs to own a home in Yulee, line by line
The median Yulee home sold for $456,000 over the last 12 months (539 closings across 50 communities), about $196 per square foot for a typical 2,250 sq ft. Here is what that home costs a new owner each month:
| Principal & interest (6.71%, 30-yr, 20% down) | $2,356 |
| Property tax (Nassau County, 13.28 mills, after $50,000 homestead) | $449 |
| Home insurance (Citizens Nassau County average) | $97 |
| HOA (median where one applies; 94% of listings) | $83 |
| Estimated monthly cost to own the median home | $2,985 |
Two of those lines are the ones out-of-state buyers get wrong. The property tax on a listing is the seller’s capped bill; yours resets to your purchase price at closing, so the figure above is the honest first-full-year number. And the insurance line is a county average from Citizens; a real quote on a specific roof and flood zone can be far from it in either direction.
Nearly every listing carries an HOA, and nearly every master-planned community carries a CDD as well. The HOA is modest; the CDD is the one to price, because it sits on the tax bill for years and is the reason two similar homes in Yulee can differ in monthly cost.
Is it cheaper to buy or rent in Yulee?
For buyers weighing the move from renting: the Zillow Observed Rent Index across the ZIP codes where Yulee homes sell puts a typical rent at about $2,077 a month, up 1.6% over the past year. Owning the median home costs about $2,985, so the monthly gap is roughly $908 more to own before tax treatment, maintenance and equity. Across those ZIPs the median household income is about $89,270, and the price-to-income ratio runs about 4.4.
Rents in Yulee have risen with the new supply of homes and the airport-corridor jobs, and the own-versus-rent gap is moderate. For a household planning to stay, the low tax and insurance lines tilt the math toward owning faster than in most of the state.
What your budget buys in Yulee
Three price points from 269 recent closings, each with what actually sold within 10% of that price and what that home costs to own:
- Around $330,000: a 3-bed, 2-bath home of about 1,705 sq ft, built around 2016 — roughly $2,195/month to own (66 sales).
- Around $456,000: a 4-bed, 2.75-bath home of about 2,180 sq ft, built around 2021 — roughly $2,985/month to own (56 sales).
- Around $510,000: a 4-bed, 3-bath home of about 2,281 sq ft, built around 2023 — roughly $3,324/month to own (49 sales).
Property taxes in Yulee
Nassau County’s typical total millage is 13.28 mills, about 1.33% of taxable value. After the $50,000 homestead exemption the median home’s bill is about $5,390 a year. Once you homestead, Florida’s Save Our Homes cap limits assessment growth to 3% a year, which is why long-time owners pay far less than a new buyer in the same house. Full worksheet: Nassau County property tax guide.
Home insurance in Yulee
Citizens Property Insurance’s average premium in Nassau County is about $1,159 a year. Florida premiums are driven by roof age, wind-mitigation features, distance to the coast and the FEMA flood zone, which is why two houses on one street can quote thousands apart. Get a quote on the specific address before you write an offer, and order a wind-mitigation inspection on any older roof. See home insurance by county.
HOA and CDD fees in Yulee
94% of current Yulee listings carry an HOA, with a median of $83 a month where one applies. About 37% of recent sales were new construction, and most newer master-planned communities also carry a CDD assessment that appears on the tax bill rather than the HOA statement — ask for it on every home. Neither is included in the monthly figure above unless the HOA line says so.
Yulee compared with other Florida cities
Same method, same day, for the Florida cities we track most closely: median sale over the last 12 months and the monthly cost of owning that median home, the typical rent, and the county’s Citizens average premium.
| City | Median sale | Est. monthly to own | Median rent (ZORI) | Citizens avg premium |
|---|---|---|---|---|
| Hudson | $300,000 | $2,025 | $1,824 | $1,659 |
| Jacksonville | $316,000 | $2,222 | $1,627 | $1,315 |
| Pensacola | $329,000 | $2,339 | $1,800 | $2,364 |
| Plant City | $374,000 | $2,518 | $1,783 | $1,816 |
| St. Augustine | $420,000 | $2,817 | $2,062 | $1,378 |
| Kissimmee | $390,000 | $2,892 | $1,981 | $1,735 |
| Orlando | $408,000 | $2,928 | $1,994 | $1,409 |
| Dunedin | $422,000 | $2,941 | $2,060 | $1,911 |
| Yulee | $456,000 | $2,985 | $2,077 | $1,159 |
| Tampa | $430,000 | $3,004 | $1,939 | $1,816 |
| Wesley Chapel | $445,000 | $3,057 | $2,270 | $1,659 |
| West Palm Beach | $630,000 | $4,783 | $2,241 | $1,753 |
| Fort Lauderdale | $825,000 | $5,675 | $2,610 | $1,561 |
| Ponte Vedra Beach | $860,000 | $5,898 | $2,319 | $1,378 |
| Boca Raton | $1,018,000 | $7,565 | $3,035 | $1,753 |
What this page does not estimate
Groceries, utilities, transportation and healthcare vary less between Florida cities than housing does and are not modeled here; national cost-of-living indices cover them reasonably well. What those indices routinely miss is Florida homeowners insurance and the property-tax reset at purchase, which is why this page is built around them.
Yulee is one of the better total-cost cases in Florida for a buyer who wants a new home: favorable taxes, favorable insurance, and the CDD as the one line to negotiate around.
Common questions about the cost of living in Yulee
How much does it cost to live in Yulee, Florida?
Is Yulee expensive to live in?
Is it cheaper to buy or rent in Yulee?
How much are property taxes in Yulee?
How much is home insurance in Yulee?
Does Florida have a state income tax?
<a href="https://movewithmomentum.com/cost-of-living-yulee">Cost of Living in Yulee, FL (2026): $2,985/mo to Own the Median Home — Momentum Realty</a>Home prices and HOA figures are Momentum Realty’s MLS record of Yulee communities as of 2026-09-11; rent, income and price-to-income are Zillow and Census figures by ZIP code pooled over the ZIPs where Yulee homes sell; tax and insurance are Nassau County figures. Estimates, not quotes. General information, not financial advice. Equal Housing Opportunity.