What $400K Buys in Nassau County, FL
A $400K budget buys a very different house depending on which Nassau County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 102 homes for sale in Nassau County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,806 sq ft, built 2022, at $221/sq ft; 28% of them are new construction and the median has been on the market 56 days. The most house for the money is in Yulee (1,811 sq ft median); the least in Hilliard (1,630 sq ft); the newest in Yulee (median build year 2023).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Yulee | 63 | 1,811 | 3 / 2 | 2023 | $216 | 35% | 64 |
| Fernandina Beach | 23 | 1,791 | 3 / 2 | 2019 | $228 | 0% | 44 |
| Callahan | 10 | 1,755 | 3 / 2 | 2022 | $240 | 50% | 50 |
| Hilliard | 6 | 1,630 | 3 / 2 | 2015 | $247 | 33% | 50 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 32097 Yulee | 63 | 1,811 | 2023 | $216 | 35% |
| 32034 Fernandina Beach | 23 | 1,791 | 2019 | $228 | 0% |
| 32011 Callahan | 10 | 1,755 | 2022 | $240 | 50% |
| 32046 Hilliard | 6 | 1,630 | 2015 | $247 | 33% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Wildlight | Yulee | 14 | 1,696 | 2026 |
| River Glen | Yulee | 8 | 2,160 | 2022 |
| Liberty Cove | Yulee | 7 | 1,655 | 2026 |
| Tributary | Yulee | 6 | 1,813 | 2023 |
| Del Webb Wildlight | Yulee | 6 | 1,438 | 2024 |
| Amelia Concourse | Fernandina Beach | 4 | 1,816 | 2019 |
| Hilliard Terrace | Hilliard | 4 | 1,689 | 2024 |
| Nassau Crossing Townhomes | Yulee | 3 | 2,198 | 2022 |
| Concourse Crossing | Fernandina Beach | 3 | 1,895 | 2024 |
| Plummer Creek | Yulee | 2 | 1,925 | 2014 |
| Amelia Walk | Fernandina Beach | 2 | 1,977 | 2016 |
| Lofton Point | Yulee | 2 | 1,937 | 1989 |
| The Palms At Amelia | Fernandina Beach | 1 | 1,193 | 1999 |
| The Hideaway | Yulee | 1 | 1,894 | 2008 |
| Flora Parke | Fernandina Beach | 1 | 2,264 | 2000 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of October 16, 2026; property mix at this price: Single-family 83%, Townhouse 12%, Condo 2%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Nassau County: $300K, $500K, $750K. Back to homes for sale in Nassau County, FL.