Living in Neptune Beach, Florida: The 2026 Data Guide
Neptune Beach is in Duval County, Florida (ZIP codes 32266). · Homes for sale in Neptune Beach · Duval County
As of 2026-09-06, the median home sold in Neptune Beach, Florida over the last 12 months went for $845,000 (81 closings across 25 communities in Momentum’s MLS record), about $398 per square foot for a median 1,890-sq-ft home built around 1980. Homes currently listed have been on the market a median of 37 days, and with 27 active listings against that sales pace the city is carrying roughly 4.0 months of supply. Sellers have been getting about 95% of their original asking price. That median is 110% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Neptune Beach
Three price points from 77 recent Neptune Beach closings in our record, each showing what actually closed within 10% of that price:
- Around $565,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,544 sq ft, built around 1964 (13 sales).
- Around $845,000: the typical sale in this band was a 3-bed, 2-bath home of about 2,058 sq ft, built around 1979 (16 sales).
The real monthly cost of owning in Neptune Beach
Take the median $845,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $4,367/month. Duval County’s typical total millage is 17.86 mills, so after the $50,000 homestead exemption the property tax is roughly $14,203/year ($1,184/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. 19% of current Neptune Beach listings carry an HOA, with a median of $64/month where one applies. All in, budget on the order of $5,660/month to own the median Neptune Beach home.
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: Neptune 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 |
|---|---|---|---|
| Neptune Beach | 21 | $1,450,000 | 37 |
| Jax Beach Park | 9 | $650,000 | 7 |
| Leeward Landing | 8 | $743,000 | 9 |
| Summer Sands | 7 | $420,000 | 39 |
| Prado Ferrer | 5 | $465,000 | 10 |
| Secluded Woods | 5 | $845,000 | 24 |
| Oceanwood | 5 | $565,000 | 15 |
| Indian Woods | 5 | $1,279,754 | 7 |
Neptune Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 32266 (70 sales, median $772,450).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 88% were single-family homes, 12% townhomes or villas. New construction accounted for 3% of closings. The housing stock skews older: 13% of homes sold were built in 2015 or later and 45% before 1980.
Getting around from Neptune Beach
Measured from the center of Neptune Beach’s recent sales: Downtown Jacksonville is about 15 miles; Jacksonville International Airport (JAX) is about 21 miles; St. Augustine is about 30 miles; Brunswick is about 58 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.
Neptune Beach: the case for and against
What works in Neptune Beach’s favor
- homes move quickly (median 37 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,315/year)
- most listings (81%) have no HOA
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 110% above the statewide median in our coverage
- only about 4.0 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 Neptune Beach relocation toolkit
Common questions about moving to Neptune Beach
How much does a house cost in Neptune Beach, FL?
What does it cost per month to own a home in Neptune Beach?
What are property taxes like in Neptune Beach?
Is Neptune Beach a buyer's or seller's market right now?
Is there a lot of new construction in Neptune Beach?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Neptune 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.