Moving to Hilliard, Florida: The 2026 Data Guide
As of 2026-09-09, the median home sold in Hilliard, Florida over the last 12 months went for $628,000 (32 closings across 14 communities in Momentum’s MLS record), about $207 per square foot for a median 3,094-sq-ft home built around 2022. Homes currently listed have been on the market a median of 89 days, and with 34 active listings against that sales pace the city is carrying roughly 12.8 months of supply. Sellers have been getting about 95% of their original asking price. That median is 56% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Hilliard
Three price points from 44 recent Hilliard closings in our record, each showing what actually closed within 10% of that price:
- Around $300,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,380 sq ft, built around 2024 (12 sales).
The real monthly cost of owning in Hilliard
Take the median $628,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $3,245/month. Nassau County’s typical total millage is 13.28 mills, so after the $50,000 homestead exemption the property tax is roughly $7,673/year ($639/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. 50% of current Hilliard listings carry an HOA, with a median of $76/month where one applies. All in, budget on the order of $4,057/month to own the median Hilliard 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 Nassau County property tax guide and our home insurance by county map.
Where people are buying: Hilliard’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 |
|---|---|---|---|
| Southern Pines | 20 | $628,400 | 89 |
| Hilliard Terrace | 7 | $305,000 | 30 |
Hilliard by ZIP code
Sales and medians by ZIP over the same 12 months: 32046 (44 sales, median $342,900).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 86% were single-family homes. New construction accounted for 48% of closings, led by Southern Pines. The housing stock skews newer: 57% of homes sold were built in 2015 or later and 14% before 1980.
Getting around from Hilliard
Measured from the center of Hilliard’s recent sales: Jacksonville International Airport (JAX) is about 19 miles; Downtown Jacksonville is about 30 miles; Brunswick is about 40 miles; St. Augustine is about 66 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.
Hilliard: the case for and against
What works in Hilliard’s favor
- about 12.8 months of supply gives buyers room to negotiate
- 48% of sales are new construction, so builder incentives and warranties are part of the market
- 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
- prices run 56% above the statewide median in our coverage
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Hilliard relocation toolkit
Common questions about moving to Hilliard
How much does a house cost in Hilliard, FL?
What does it cost per month to own a home in Hilliard?
What are property taxes like in Hilliard?
Is Hilliard a buyer's or seller's market right now?
Is there a lot of new construction in Hilliard?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Hilliard 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.