Momentum Housing Research · July 8, 2026

Jacksonville homes under $219,000: how many exist, what they actually are, and where they sit

National reporting puts the Jacksonville "starter home" at just over $219,000. We ran the full realMLS active inventory to see what a first-time buyer at that price point actually faces — every figure below is computed from the complete MLS feed, not an estimate, and every listing in that segment is plotted on the live map further down.

1,347Listings under $219K, realMLS system-wide (15.0% of 8,996 actives)

1,005In the city of Jacksonville — 26.5% of the city's 3,789 actives

567Of those are single-family houses (56%)

9.9%Share of ALL active single-family homes priced under $219K

A note on the map below: the analysis on this page counts every active listing in the MLS. The map can legally display only listings whose brokers permit public internet (IDX) display — currently only about half of the under-$219K segment. The other half is in the MLS, and available to buyers working with an agent, but never appears on public search sites. That invisible half is part of the affordability story.

What the under-$219K inventory actually is

The headline count overstates what a buyer shopping for a house will find. About a third of the segment is condominiums — where association fees often offset the mortgage savings the lower price implies — and the single-family share thins fast outside the urban core.

Property type (City of Jacksonville, under $219K)	Listings	Share
Single-family houses	567	56.4%
Condominiums	331	32.9%
Townhouses	76	7.6%
Mobile / manufactured	27	2.7%

The single-family lens: across the entire realMLS system, only 664 of 6,695 active single-family homes — fewer than 1 in 10 — are priced under $219,000. The price point exists, but it is a narrow slice of the houses actually for sale.

Can a buyer with 3% down actually win one?

Sellers in this segment already accept low-down-payment buyers routinely: of roughly 6,350 Duval County closings under $300,000 in the trailing twelve months, 34% were FHA or VA financed — programs where buyers typically put down 3.5% or less. The obstacle is not the down payment. It is competition: nearly 30% of those same sub-$300K sales closed all-cash. While a first-time buyer saves for ten months, they are bidding against buyers who do not need financing at all.

"There are a thousand listings under $219K in Jacksonville — but only 567 are houses, and the buyer saving for a down payment is bidding against the 30% of this market that pays cash. Builders, if anything, are often more receptive than resale sellers — pairing low-down loan programs with rate buydowns through their lending partners."— Jon Brooks, co-founder, Momentum Realty · July 8, 2026

Every under-$219K listing, on the map

Live from the realMLS feed, refreshed twice daily — the map shows the IDX-displayable portion of the segment (see the note at the top of this page), so its count is lower than the full-inventory analysis above. Price is objective market data; this page makes no judgment about any neighborhood or its suitability for any person. Tap a pin for price, size, and the listing brokerage — each pin links to the full listing with photos.

—Listings on the map now

—Median price (segment)

—Map data as of

Loading listings…

Methodology & source

Snapshot figures computed July 8, 2026 from the complete realMLS active residential inventory (8,996 listings with a list price), deduplicated by listing ID. "City of Jacksonville" = listings whose MLS city is Jacksonville, excluding the Beaches municipalities. Property types per the MLS PropertySubType field. Financing mix from realMLS closed-sale records, July 2025–June 2026, Duval County closings under $300,000. The map shows IDX-displayable active listings under $219,000 and updates twice daily; totals may differ modestly from the snapshot. Analysis: Momentum Realty housing research (more Florida research).

Listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name. Source: Data provided by realMLS. Information deemed reliable but not guaranteed. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Portions of this page are generated from data and may contain errors; verify independently. Momentum Realty is an Equal Housing Opportunity brokerage. Media: this analysis may be cited with attribution to Momentum Realty; contact jon@movewithmomentum.com.