Moving to Callahan, Florida: The 2026 Data Guide

As of 2026-09-09, the median home sold in Callahan, Florida over the last 12 months went for $321,000 (45 closings across 20 communities in Momentum’s MLS record), about $193 per square foot for a median 1,612-sq-ft home built around 2015. Homes currently listed have been on the market a median of 31 days, and with 17 active listings against that sales pace the city is carrying roughly 4.5 months of supply. Sellers have been getting about 99% of their original asking price. That median is 20% below the median across Momentum’s Florida and Georgia coverage.

$321,000

Median sale (12 mo)

$193

Price per sq ft

$2,055

Est. monthly cost to own

31 days

Days listed (median)

4.5

Months of supply

New construction share

What your budget buys in Callahan

Three price points from 45 recent Callahan closings in our record, each showing what actually closed within 10% of that price:

Around $263,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,500 sq ft, built around 2023 (13 sales).
Around $321,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,567 sq ft, built around 2021 (10 sales).
Around $400,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,598 sq ft, built around 2005 (8 sales).

The real monthly cost of owning in Callahan

Take the median $321,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $1,659/month. Nassau County’s typical total millage is 13.28 mills, so after the $50,000 homestead exemption the property tax is roughly $3,598/year ($300/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 Nassau County is about $1,159/year; private-market quotes vary with roof age and wind mitigation. 35% of current Callahan listings carry an HOA, with a median of $64/month where one applies. All in, budget on the order of $2,055/month to own the median Callahan home.

For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Nassau County property tax guide and our home insurance by county map.

Where people are buying: Callahan’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
Clear Lake	8	$472,500	31
Amhurst Oaks	7	$287,500	33
Swallowfork Estates	6	$320,750	25
Lee Stoner Shores	5	$305,000	5

Callahan by ZIP code

Sales and medians by ZIP over the same 12 months: 32011 (45 sales, median $325,000).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 67% were single-family homes, 7% townhomes or villas. New construction accounted for 8% of closings. The housing stock skews newer: 51% of homes sold were built in 2015 or later and 13% before 1980.

Getting around from Callahan

Measured from the center of Callahan’s recent sales: Jacksonville International Airport (JAX) is about 9 miles; Downtown Jacksonville is about 18 miles; Brunswick is about 46 miles; St. Augustine is about 54 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 Nassau 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 Nassau County’s typical millage of 13.28; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Nassau County average of $1,159/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.

Callahan: the case for and against

What works in Callahan’s favor

prices run 20% below the statewide median in our coverage
homes move quickly (median 31 days listed), so well-priced homes get competition
insurance is comparatively manageable here (Citizens average $1,159/year)
no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead

What to plan for

property taxes reset to your purchase price, so never budget off the seller’s bill

Your Callahan relocation toolkit

Common questions about moving to Callahan

How much does a house cost in Callahan, FL?

The median sale over the last 12 months was $321,000 (45 closings), about $193 per square foot. Among recent closings in our record a quarter sold under $263,000 and a quarter over $400,000.

What does it cost per month to own a home in Callahan?

For the median $321,000 home with 20% down at 6.71%, roughly $2,055 per month including principal, interest, Nassau County property tax after the homestead exemption, insurance.

What are property taxes like in Callahan?

Nassau County's typical total millage is 13.28 mills. On the median home that is about $3,598 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is Callahan a buyer's or seller's market right now?

With about 4.5 months of supply and a median 31 days on market for current listings, conditions are roughly balanced.

Is there a lot of new construction in Callahan?

New construction was 8% of sales in the last 12 months.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

Sales figures are Momentum Realty’s MLS record of closings in Callahan 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 Nassau County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.