Moving to Jacksonville, Florida: The 2026 Data Guide

By Jon Brooks, Co-Founder, Momentum Realty · Updated September 27, 2026

As of 2026-09-27, the median home sold in Jacksonville, Florida over the last 12 months went for $318,000 (10,092 closings across 1727 communities in Momentum’s MLS record), about $184 per square foot for a median 1,711-sq-ft home built around 1999. Homes currently listed have been on the market a median of 38 days, and with 3,228 active listings against that sales pace the city is carrying roughly 3.8 months of supply. Sellers have been getting about 96% of their original asking price. That median is 20% below the median across Momentum’s Florida and Georgia coverage.

Jacksonville is the market I have sold in for over a decade, and the number that still surprises people who relocate here is how far a budget goes. The city is enormous by land area, which means "Jacksonville" covers everything from riverfront historic districts to brand-new subdivisions on the Northside and the Southside, and the median is an average of all of it. The right question is not what Jacksonville costs but which Jacksonville you mean.

Read the table of communities below with that in mind. Seven Pines and Mandarin are different purchases at different prices for different reasons, and both are Jacksonville.

What your budget buys in Jacksonville

Three price points from 6,011 recent Jacksonville closings in our record, each showing what actually closed within 10% of that price:

• Around $229,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,394 sq ft, built around 2003 (753 sales).
• Around $318,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,712 sq ft, built around 2005 (1109 sales).
• Around $420,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,960 sq ft, built around 2000 (789 sales).

Those three price bands tell the story of the city better than the median does. At the low band you are choosing between an older home closer in and a newer one further out; at the top band you are mostly paying for lot, water, or a newer build in a master-planned community. In between, the three-bedroom, two-bath home of average size is the workhorse of this market, and it is the one buyers compete for hardest, which is why the days-listed figure is short.

The real monthly cost of owning in Jacksonville

Take the median $318,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $1,698/month. Duval County’s typical total millage is 17.86 mills, so after the $50,000 homestead exemption the property tax is roughly $4,788/year ($399/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. 61% of current Jacksonville listings carry an HOA, with a median of $83/month where one applies. All in, budget on the order of $2,289/month to own the median Jacksonville home including a typical HOA.

Two things catch relocating buyers here. The first is that the tax line on a listing is the seller's capped bill, not yours, and in a city with a lot of long-time owners the gap can be large. The second is that the HOA figure is modest by Florida standards, but it does not include a CDD where one exists, and many of the newer master-planned communities carry one. Ask for both numbers on any home you are serious about.

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: Jacksonville’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.

The most active communities are a mix of new construction and established neighborhoods, which is Jacksonville in one table. Seven Pines is builder inventory at the top of the city's price range; Mandarin, Ortega, Murray Hill and Arlington Hills are resale markets with decades of history and very different price points. If you are relocating without knowing the city, the fastest way to narrow it down is to pick a commute anchor first and then read the communities within it.

Jacksonville by ZIP code

Sales and medians by ZIP over the same 12 months: 32218 (507 sales, median $300,000), 32256 (477 sales, median $370,000), 32225 (408 sales, median $384,950), 32224 (338 sales, median $490,000), 32257 (312 sales, median $349,750), 32246 (311 sales, median $340,000).

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

Of the last 12 months of sales, 75% were single-family homes, 13% townhomes or villas, and 10% condos. New construction accounted for 23% of closings, led by Seven Pines, Brook Forest, The Arbors, Cypress Meadows, The Landings at Pecan Park. The housing stock skews mixed: 25% of homes sold were built in 2015 or later and 25% before 1980.

The age spread is unusual for Florida. A quarter of what sold was built in the last decade and a quarter before 1980, and the older stock is concentrated in the historic core near the river. That matters for insurance and inspections: a 1950s block home in Riverside and a new build on the Westside are priced by different rules, and the older home will need a four-point inspection and a hard look at the roof date before any insurer quotes it.

Getting around from Jacksonville

Measured from the center of Jacksonville’s recent sales: Jacksonville International Airport (JAX) is about 15 miles; St. Augustine is about 33 miles; Brunswick is about 60 miles; Gainesville is about 62 miles. Distances are straight-line; drive times depend on the corridor and time of day.

Jacksonville is a driving city. The interstates and the bridges over the St. Johns River set commute times far more than straight-line distance does, so a home that looks close on a map can be a long drive at rush hour if it puts a bridge between you and work. The beaches communities and St. Augustine are close enough to be part of the same market, and many buyers cross-shop them.

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.

Jacksonville: the case for and against

My honest read: Jacksonville is one of the few large Florida metros where the median home is still within reach of a two-income household, insurance is comparatively manageable, and inventory turns over fast enough that pricing is honest. The trade-off is that you have to do the neighborhood work, because the city is too big to buy by reputation alone.

Your Jacksonville relocation toolkit

• Homes for sale in Jacksonville right now
• Cost of living in Jacksonville
• Best neighborhoods in Jacksonville
• New construction in Jacksonville
• Find an agent in Jacksonville
• Jacksonville ZIP codes with prices
• Search every Jacksonville community

Common questions about moving to Jacksonville

Sales figures are Momentum Realty’s MLS record of closings in Jacksonville 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.