Living in Atlantic Beach, Florida: The 2026 Data Guide
As of 2026-09-09, the median home sold in Atlantic Beach, Florida over the last 12 months went for $610,000 (207 closings across 41 communities in Momentum’s MLS record), about $379 per square foot for a median 1,660-sq-ft home built around 1985. Homes currently listed have been on the market a median of 42 days, and with 49 active listings against that sales pace the city is carrying roughly 2.8 months of supply. Sellers have been getting about 95% of their original asking price. That median is 52% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Atlantic Beach
Three price points from 144 recent Atlantic Beach closings in our record, each showing what actually closed within 10% of that price:
- Around $375,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,328 sq ft, built around 1985 (8 sales).
- Around $610,000: the typical sale in this band was a 3-bed, 2.5-bath home of about 1,538 sq ft, built around 1990 (18 sales).
- Around $960,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,427 sq ft, built around 1987 (13 sales).
The real monthly cost of owning in Atlantic Beach
Take the median $610,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $3,152/month. Duval County’s typical total millage is 17.86 mills, so after the $50,000 homestead exemption the property tax is roughly $10,004/year ($834/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Duval County is about $1,315/year; private-market quotes vary with roof age and wind mitigation. 53% of current Atlantic Beach listings carry an HOA, with a median of $315/month where one applies. All in, budget on the order of $4,410/month to own the median Atlantic Beach home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Duval County property tax guide and our home insurance by county map.
Where people are buying: Atlantic Beach’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Atlantic Beach | 75 | $610,000 | 42 |
| Royal Palms | 17 | $575,000 | 47 |
| Mayport Landing | 15 | $210,000 | 19 |
| Saltair | 13 | $545,000 | 60 |
| Selva Marina | 12 | $1,180,000 | 51 |
| Selva Linkside | 10 | $761,500 | 87 |
| Selva Lakes | 8 | $587,500 | 1 |
| Seaplace | 7 | $280,000 | 87 |
Atlantic Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 32233 (143 sales, median $645,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 60% were single-family homes, 23% townhomes or villas, and 17% condos. New construction accounted for 2% of closings. The housing stock skews mixed: 9% of homes sold were built in 2015 or later and 26% before 1980.
Getting around from Atlantic Beach
Measured from the center of Atlantic Beach’s recent sales: Downtown Jacksonville is about 15 miles; Jacksonville International Airport (JAX) is about 20 miles; St. Augustine is about 31 miles; Brunswick is about 56 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Duval County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Duval County’s typical millage of 17.86; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Duval County average of $1,315/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Atlantic Beach: the case for and against
What works in Atlantic Beach’s favor
- homes move quickly (median 42 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,315/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 52% above the statewide median in our coverage
- only about 2.8 months of supply, so choice is limited in the most popular price bands
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Atlantic Beach relocation toolkit
- Homes for sale in Atlantic Beach right now
- Cost of living in Atlantic Beach
- Best neighborhoods in Atlantic Beach
- Find an agent in Atlantic Beach
- Search every Atlantic Beach community
Common questions about moving to Atlantic Beach
How much does a house cost in Atlantic Beach, FL?
What does it cost per month to own a home in Atlantic Beach?
What are property taxes like in Atlantic Beach?
Is Atlantic Beach a buyer's or seller's market right now?
Is there a lot of new construction in Atlantic Beach?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Atlantic Beach communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Duval County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.