The question worth answering first · Prices August 2026, rents September 2026

Renting vs buying in Jacksonville

Duval County's single-family median sale price is down 1.5% on the year and Zillow's index of every home in the city down 0.8%, and the city's median rent is up 0.7% on Apartment List's count. Here is the arithmetic, including a tax bill that consolidation makes short and the homestead exemption makes smaller, the two taxes Florida charges on the loan, and the mortgage insurance that stops in the middle of the model, and then the part the arithmetic misses.

Calculator

The short answer

Half the single-family homes sold in Duval County in August 2026 went for more than $335,000 and half for less, down 1.5% on a year earlier, on 887 sales. That is the county the Northeast Florida Association of REALTORS reports, not the city alone, though the consolidated City is nearly all of it. A three-bedroom rents for about $1,800. Run those against each other at a 2% appreciation assumption and the answer turns on how long you stay and on the mortgage rate, which was 7.03% on the 24 September survey.

The market has loosened. Duval had 3,057 homes for sale in August against 4,197 a year earlier, and Zillow's index of every home in the city, at $285,103, is down 0.8%. Condominiums have moved most: Zillow's city condominium index is down 6.8%. The city's median rent is up 0.7% on Apartment List's count, and Florida law forbids any cap.

The tax is simpler than anywhere else in Florida, and still not the millage. One consolidated government levies for city and county together, and the whole bill is 17.7412 mills. A homesteaded owner pays about $5,215 a year on the median house, 1.56% of the price, after the exemption, and the City's garbage and stormwater fees, about $414 a year, arrive on the same bill.

Getting in costs more than in Texas, and so does getting out. A buyer pays about $1,474 of tax on the loan on top of the usual closing costs, roughly $3,814 in all before lender fees. Selling costs about 6.7% once the commission, the deed stamp and the title policy are counted, or roughly $22,445 on this house, which is the shape that punishes a short stay.

The calculator below opens with real Jacksonville figures and every one of them is editable. Three warnings: the property tax rate is set to 1.56% of the price, the homesteaded rate, not the 17.7412 mills levied before the exemption, so if you will not live in the house, set it to 1.77%; no flood premium and no community development district assessment is included anywhere; and below 20% down the owner is charged private mortgage insurance every month until the balance reaches 78% of the price, at which point it stops. All three are explained in the questions below.

Your situation

Compare like for like: the rent on somewhere you would actually be willing to live, not the cheapest listing in the city. Drop the price to around $300,000 and the rent to a one-bedroom figure to compare apartments instead, and put the condo fee in under Assumptions.

20.0% down. The renter starts with this plus closing costs: $70,814: invested instead.

The single biggest lever. Buying costs a lot to enter and a lot to exit, and only time amortizes that away.

Assumptions: every one of them editable

Duval County's single-family median sale price is down 1.5% year over year, on 887 sales. NEFAR publishes no condominium median, and Zillow's condominium index for the city, at $173,549, is down 6.8%. Try zero, and try a negative number for a condo.

What the renter earns on the down payment they never spent. This is the comparison's hidden lever. A renter who spends it instead of investing it does far worse than this model shows.

Florida forbids its counties and cities from controlling rents at all. The statute allowed a narrow exception (a declared housing emergency, a specific finding, and a referendum) and the legislature closed even that in 2023. There is no cap, no guideline and no prospect of one, so any rent-growth figure you enter here is a forecast rather than a legal ceiling.

Roofs, furnaces, fences, hail. Averaged out it is a real cost even in the years nothing breaks.

Zero for a house with no association. About two Jacksonville owners in five pay a homeowners' or condominium association fee, at a Census median of $93 a month, most of it to homeowners' associations. A condominium fee carries the building's insurance and reserves and runs far higher: $400 a month is a reasonable middle, and an older building facing its milestone inspection can be more. A community development district's assessment is a separate line on the tax bill, not a fee.

Commission and legal fees, charged against the price you eventually sell at. The owner's net worth below is after this comes off.

Net worth, side by side

The buyer's line is home value minus what is still owed minus the cost of selling, plus anything they invested in months when owning was cheaper. The renter's line is one portfolio: the down payment and closing costs they never spent, plus the monthly difference whenever renting is cheaper.

Renting stays ahead for the whole 30 yearsTwo lines over 30 years: the owner's net worth and the renter's. The year-by-year figures are in the table below.$0k$551k$1,102k51015202530Years
OwnerRenter
Show the year-by-year figures
Year by year, what the owner and the renter are worth
YearHome valueOwedOwnerRenterDifference
1$341,700$265,293$53,513$88,065−$34,552
2$348,534$262,390$62,792$106,040−$43,248
3$355,505$259,276$72,410$124,773−$52,363
4$362,615$255,936$82,383$144,299−$61,916
5$369,867$252,354$92,732$164,657−$71,925
6$377,264$248,511$103,477$185,885−$82,409
7$384,810$244,389$114,638$208,025−$93,387
8$392,506$239,968$126,240$231,121−$104,881
9$400,356$235,226$138,306$255,217−$116,911
10$408,363$230,140$150,863$280,361−$129,498
11$416,530$224,684$163,939$306,604−$142,665
12$424,861$218,832$177,563$333,997−$156,435
13$433,358$212,556$191,767$362,597−$170,830
14$442,025$205,823$206,586$392,462−$185,875
15$450,866$198,602$222,056$423,651−$201,595
16$459,883$190,856$238,215$456,228−$218,013
17$469,081$182,548$255,104$490,261−$235,157
18$478,462$173,637$272,768$525,820−$253,052
19$488,032$164,079$291,255$562,979−$271,724
20$497,792$153,827$310,614$601,814−$291,200
21$507,748$142,830$330,899$642,408−$311,508
22$517,903$131,035$352,169$684,845−$332,676
23$528,261$118,383$374,485$729,215−$354,730
24$538,826$104,813$397,913$775,612−$377,699
25$549,603$90,257$422,523$824,135−$401,612
26$560,595$74,644$448,391$874,887−$426,496
27$571,807$57,898$475,598$927,976−$452,378
28$583,243$39,936$504,230$983,518−$479,288
29$594,908$20,670$534,379$1,041,631−$507,252
30$606,806$0$566,150$1,102,447−$536,296
After 30 years
Renting stays ahead for the whole 30 years
On these numbers the money invested elsewhere stays ahead of the equity.

Renting stays ahead for the whole 30 years. Owning costs $2,937 a month in the first year against $1,815 to rent.

Owning, month one$2,937
Renting, month one$1,815
Cash needed up front$70,814
Mortgage payment$1,788
Owner net worth, year 30$566,150
Renter net worth, year 30$1,102,447
Owning: money not recovered$1,002,767
Renting: rent paid$892,267
  • The rate is fixed for the life of the loan, so there is no renewal to model, but nothing here credits you for refinancing into a lower one either.
  • Neither household is credited with tax on their investments, and the buyer's gain on a principal residence is tax-free while the renter's portfolio may not be.

An estimate from published figures, not a lender quote.

Questions people actually ask

Is it worth buying in Jacksonville right now?

It depends more on the house and the street than on the market. The median single-family home in Duval County sold for $335,000 in August 2026, down 1.5% on the year, on 887 sales; that is the county, of which the City is nearly all, and houses only. Zillow's model of a typical value inside the city, condominiums included, is $285,103, down 0.8%. On rents, Apartment List has the city's median up 0.7% on the year and Zillow's observed rent index up 2.04%. At 7.03% on a 30-year loan, the mortgage on the median house with 20% down is $1,788 a month; add $435 of property tax and $275 of homeowners insurance and the owner's month is about $2,498, before flood cover, against a three-bedroom rent of about $1,800. Inventory is the thing that has moved: 3,057 homes were listed in Duval in August against 4,197 a year earlier, and they sold in a median of 25 days against 38.

How long do you have to stay for buying to beat renting in Jacksonville?

Getting in costs about $3,814 before lender fees, and $1,474 of that is Florida's tax on the loan itself. Getting out costs about 6.7%: around 5.5% of commission, the seller's 0.7% documentary stamp on the deed and, where the seller buys it, the owner's title policy, $1,750 at this price on the state's promulgated rate. On a $335,000 house that is about $22,445. On the defaults below owning never catches renting at all: the renter is ahead in every one of the 30 years the model runs. The friction alone is a shorter and different answer: at a 2% appreciation assumption those two ends take about 4.1 years to earn back. Duval's median is down 1.5% on the year, so try zero as well.

Why does this page use 1.56% property tax when Jacksonville is charged 17.7412 mills?

Because of Florida's homestead exemption, not because of any assessment lag: a purchase resets the assessment to what you paid. Consolidation makes the bill short. The City of Jacksonville levies 11.1919 mills for county and city government together, Duval County Public Schools 6.3430, the St. Johns River Water Management District 0.1793 and the Florida Inland Navigation District 0.0270, 17.7412 in all for 2025. The school district's lines are charged on the price less $25,000; everything else on the price less a second slice as well. On a homesteaded $335,000 house that comes to about $5,215 a year, 1.56% of the price. Without the exemption, which is what a landlord pays and what a buyer who never files pays, the same house owes about $5,943. The second slice is indexed to inflation: the property appraiser's own estimator uses $26,411 for 2026 rather than the $25,000 this page assumes, which takes the bill to about $5,199. The City's solid waste and stormwater fees, about $414 a year for a house in 2026, come on the same bill and no exemption touches them.

Why is the seller's tax bill so much lower than the figure here?

Save Our Homes. A homesteaded property's assessed value may rise no more than 3% a year, or the change in the consumer price index if that is lower, for as long as the same owner keeps the exemption, and it resets to market value on the roll after a sale. A neighbor who bought in 2015 can be taxed on a fraction of what you will be for the same house. If you are selling a Florida homestead held in any of the last three years, you can carry up to $500,000 of that accrued benefit to the new one, on an application due by 1 March. The property appraiser's estimator will work out your first bill at your price, with or without portability, and that is the figure to budget from.

What are the closing costs, and why do they get bigger if I put less down?

Florida taxes the loan as well as the house. The documentary stamp on the deed, 70 cents per $100, is the seller's by convention. Yours is a second documentary stamp on the promissory note at 35 cents per $100 and a non-recurring intangible tax on the mortgage at 0.2%. On a $268,000 loan that is $1,474, and because it is charged on the borrowing rather than the price it rises as your down payment falls: at 5% down it is $1,750. With a settlement fee around $850, the buyer's title charges, an inspection at about $700 (in Florida that is really three reports, the general one plus wind mitigation and four-point, and the last two are what an insurer asks for) and the clerk's recording, the buyer's side comes to roughly $3,814 before lender fees. The escrow account the lender opens at closing is sized to the tax and the insurance, and in Florida the insurance is the larger surprise.

Does this include flood insurance?

No. The $275 a month here is homeowners insurance, which in Florida covers wind, with a separate hurricane deductible of 2%, 5% or 10% of the dwelling limit, and does not cover rising water. In Jacksonville the water to think about is the St. Johns River as much as the ocean. On 11 September 2017 Hurricane Irma, passing a hundred miles west, pushed the river to 5.57 feet at the Main Street Bridge, more than a foot above the record Hurricane Dora set in 1964, and Riverside and San Marco had their worst flooding since at least 1846. Almost a third of federal flood claims come from outside the high-risk zones. And from 1 January 2027 every Citizens Property Insurance homeowners policy with wind cover must also carry flood, wherever the house is, so for a buyer whose only option is Citizens a flood premium is not optional. Get a quote on the specific house, with its elevation certificate.

What is a community development district, and does it change the answer?

It can change it a great deal, and nothing on this page includes it. None of this includes a community development district assessment. A CDD is an independent special district under chapter 190 of the Florida Statutes that sells bonds for a new subdivision's roads, drainage and amenities and repays them through a non-ad valorem assessment on your tax bill, a lien collected like the tax itself, with a second assessment for running the district. Normandy CDD, created by City ordinance in 2022, charges a developed 50-foot lot $4,226 for fiscal 2027, $1,882 of it toward bonds that run to 2054. Bartram Park CDD has been assessing its part of Duval since 2005, so an older subdivision can carry one too. The assessment is in no millage and no homestead exemption reduces it. The first contract for a lot or house in a district has to disclose it in bold, but a resale contract does not, so look for the district's line on the seller's last tax bill. If the house you are looking at is in one, add the district's annual line to the owner's costs above, and remember that the bond part runs for decades and does not fall as the mortgage is paid down.

How much do you need for a down payment in Jacksonville?

Legally, nothing sets a floor: this is a lender's decision rather than a rule. Conventional loans start at 3% down and FHA at 3.5%. On a $335,000 house, 3% is $10,050 and 20% is $67,000. What the low end costs you on a conventional loan is private mortgage insurance: at 3% down, about $236 a month until the balance reaches 78% of the price, which takes 12.6 years and about $35,600. At 5% down it is $178 a month and $25,200. In Florida a smaller down payment also means more tax on the loan at closing. There is help: the City's Head Start to Homeownership program lends up to $25,000 toward the down payment and closing costs to a buyer who owns no home and earns no more than 80% of the Duval area median, and Florida Housing's Hometown Heroes program lends up to 5% of the loan, between $10,000 and $35,000, to first-time buyers in teaching, health care, first response, the military and other listed jobs. Both are loans, and the City asks you not to sign a contract until you are approved.

Does Florida have rent control?

No, and Jacksonville is not permitted to introduce it. Florida forbids its counties and cities from controlling rents at all. The statute allowed a narrow exception (a declared housing emergency, a specific finding, and a referendum) and the legislature closed even that in 2023. There is no cap, no guideline and no prospect of one, so any rent-growth figure you enter here is a forecast rather than a legal ceiling. Rents here are up 0.7% on one of the two indexes this page cites and up 2.04% on the other, which is a market condition rather than a protection. If you are renting long-term, set the rent-growth input above the 2% default and see what it does to the answer.

Which Jacksonville is this?

The consolidated City of Jacksonville, which since 1 October 1968 has been one government with Duval County: one council, one mayor and one general levy for both. Four municipalities in the county kept their own governments and are outside it, Jacksonville Beach, Atlantic Beach, Neptune Beach and Baldwin, and each has a different millage, so the tax figure here is the wrong one for an address in any of them. The headline price is Duval County's, which includes those four; the City is about 96% of the county's residents.

What is the calculator not accounting for?

Federal tax, mainly, and it cuts both ways. Mortgage interest and property tax are deductible if you itemize, and whether itemizing beats the standard deduction depends on the household: first-year interest on the median loan is about $18,800 and property tax about $5,215. A principal residence's gain is excluded up to $250,000 single or $500,000 married under section 121, and the renter's portfolio is not. None of that is modeled, and none of it is advice. Four Jacksonville things it also cannot price: the flood policy, which depends on the river, the creek or the marsh behind the lot; a community development district's assessment; the condominium market, where Zillow's city index is down 6.8% on the year and an association fee carries reserves the state no longer lets a board waive; and the school board's voted mill, which expires in June 2027 unless voters renew it on 3 November 2026.

Which figures here are estimates

The prices, rents, millage, exemptions, fees and title premiums above come from published sources, each one listed below with the period it describes, and the tax figure is derived from that millage through Florida's own exemption rules. These do not:

  • The three-bedroom rent, at $1,800 a month: Apartment List publishes one- and two-bedroom medians only, and $1,800 sits among its three-bedroom listing average, the Florida layers' bedroom ratio applied to Zillow's city rent index and Zillow's single-family rent index for the metro area
  • The condominium fee, at $400 a month: the Census Bureau publishes a median association fee of $93 for the 42% of Jacksonville owners who pay one, most of them in homeowners' associations rather than condominiums
  • Home insurance at $275 a month, between the published Jacksonville averages of $3,145 and $3,471 a year, with a hurricane deductible of its own and no flood policy in it
  • The settlement fee, the buyer's title charges and the inspection, which are the state's estimates rather than Duval's own
  • Who buys the owner's title policy, which the contract decides: the cost of selling assumes the seller does, as in most of Florida
  • The utilities and City fees an owner pays over a renter, at $160 a month
  • Maintenance at 1% of the home's value a year
  • Every forward-looking rate: appreciation, rent growth, cost inflation and the return on the invested difference
  • The private mortgage insurance rate, which is priced per borrower by credit score rather than published as a schedule
  • Any community development district assessment, which is not in the tax rate on this page and is a real annual cost on much of the newer housing in the city

If you want the payment side on its own, with the biweekly plan, prepayments, the month mortgage insurance stops and the two taxes Florida charges on the loan, the mortgage calculator covers it in more detail. To work out where rather than whether, start with the neighborhood guides.

Sources

  1. Northeast Florida market shows signs of a more balanced housing environment (August 2026 market report) · Northeast Florida Association of REALTORS · retrieved
    Supports: A median price of single-family homes in Duval County of $335,000 in August 2026, the same as July, 887 closed sales, 965 pending sales, 1,265 new listings, an active inventory of 3,057 homes and a 3.4-month supply in Duval County, and a median of 25 days on market, A six-county single-family median of $397,420, down 1.6%, and a St. Johns County median of $573,250, Monthly figures by county only, with no City of Jacksonville figure
  2. Inventory climbs while sales cool in the August housing market (August 2025 market report) · Northeast Florida Association of REALTORS · retrieved
    Supports: A median price of single-family homes in Duval County of $340,000 in August 2025, 889 closed sales, an active inventory of 4,197 homes, a 4.7-month supply and a median of 38 days on market in Duval County
  3. Annual estimates of the resident population for incorporated places and counties, 2020 to 2025 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: A population of 1,017,689 for Jacksonville city on 1 July 2025, against 1,009,370 a year earlier, all of it in Duval County, A population of 1,062,963 for Duval County on 1 July 2025, Jacksonville Beach city at 23,615
  4. Jacksonville's Consolidation Mayor: Hans G. Tanzler Jr. · Florida Historical Quarterly, vol. 80 no. 2 (2001), via University of Central Florida STARS · retrieved
    Supports: Jacksonville's consolidation with Duval County on 1 October 1968
  5. 2025 Gazetteer files: places, Florida · United States Census Bureau · retrieved
    Supports: A land area of 747.33 square miles and a water area of 127.129 square miles for Jacksonville city
  6. 2025 final millages · Office of the Property Appraiser, Duval County, Florida, via the City of Jacksonville · retrieved
    Supports: For the general services district (excluding the beaches and Baldwin) and for USD1, the old City of Jacksonville: schools 6.3430, general government 11.1919, urban service district 0.0000, St. Johns River Water Management District 0.1793 and Florida Inland Navigation District 0.0270, a final total of 17.7412, Jacksonville Beach (USD2) at 18.4452, Atlantic Beach (USD3) at 17.2004, Neptune Beach (USD4) at 17.8161 and Baldwin (USD5) at 18.9701, each with a general government rate of 7.9012 or 9.4208 and its own municipal levy, No bond millage for any authority
  7. 2024 final millages · Office of the Property Appraiser, Duval County, Florida, via the City of Jacksonville · retrieved
    Supports: For the general services district: schools 6.3400, general government 11.3169, St. Johns River Water Management District 0.1793 and Florida Inland Navigation District 0.0288, a final total of 17.8650
  8. Millage rates · Duval County Property Appraiser, via the City of Jacksonville · retrieved
    Supports: Taxing districts for Duval County: GS and USD1, City of Jacksonville; USD2, Jacksonville Beach; USD3, Atlantic Beach; USD4, Neptune Beach; USD5, Baldwin, Taxing authorities for Duval County: the county public schools, the Florida Inland Navigation District and the St. Johns River Water Management District, with the four other municipalities as additional taxing authorities
  9. Property tax estimator · Duval County Property Appraiser · retrieved
    Supports: For a $350,000 purchase in Jacksonville (GS or USD1) with homestead and no portability, tax roll 2026: a school taxable value of $325,000 and a non-school taxable value of $298,589, Lines of general government 11.1919, $3,341.78; public schools by state law 3.0950, $1,005.88; by local board 2.2480, $730.60; school board voted 1.0000, $325.00; Florida Inland Navigation District 0.0270, $8.06; and St. Johns River Water Management District 0.1793, $53.54; an estimated total of $5,464.86, A $25,000 exemption against the school lines and $51,411 against the others, The estimator using the most recently certified millage, and a final bill that may also carry non-ad valorem assessments for solid waste, stormwater and other services
  10. Additional homestead exemption adjustment, revised January 2025 · Florida Department of Revenue · retrieved
    Supports: Section 196.031(1)(b), Florida Statutes, requiring the additional homestead exemption to be adjusted annually by the Consumer Price Index from the 2025 tax year, A CPI change of 2.9% and a maximum additional exemption of $25,722 for 2025, against the $25,000 base year of 2024
  11. Property tax information for homestead exemption, PT-113, R. 08/25 · Florida Department of Revenue · retrieved
    Supports: A $25,000 exemption against all taxes and an additional exemption of up to $25,000, adjusted annually for inflation, on assessed value over $50,000 for non-school taxes only, Applications on Form DR-501 to the county property appraiser by 1 March
  12. Homestead and other exemptions · Duval County Property Appraiser, via the City of Jacksonville · retrieved
    Supports: The Save Our Homes benefit limiting future annual increases in assessed value to 3% or less, removed on a sale, with the assessed value rising to market value for the next tax roll, Portability of the Save Our Homes benefit from a Florida homestead held in any of the three preceding tax roll years, on a separate application due by 1 March, Automatic annual renewal of the exemption
  13. Vote: 1-mill continuation, 3 November 2026 · Duval County Public Schools · retrieved
    Supports: Voters' approval of a 1-mill levy in 2022, and state law requiring voters to approve its continuation every four years, The ballot question on 3 November 2026 to continue the current one mill, A $300,000 home with $275,000 of taxable value paying $275 a year for the mill
  14. 2026 Voter's guide: Duval County referendum, extending 1-mill property tax funding for schools · News4JAX · retrieved
    Supports: The current authorization ending 30 June 2027, and the measure extending it from 1 July 2027 through 30 June 2031
  15. City fees · City of Jacksonville · retrieved
    Supports: Residential solid waste and stormwater fees billed as non-ad valorem assessments on property tax bills, Homestead and other ad valorem exemptions not applying to either fee
  16. Residential solid waste fee · City of Jacksonville, Solid Waste Division · retrieved
    Supports: A rate of $29.50 a month, $354 a year, per premise for 2026, and $32.00 a month, $384 a year, for 2027, subject to annual approval by the City Council, The fee collected as a non-ad valorem assessment on the property tax bill, and charged regardless of occupancy
  17. Frequently asked questions: stormwater fee · City of Jacksonville · retrieved
    Supports: A fee based on impervious area, $5 a month for the owner of an average single-family house
  18. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $285,103 for the city of Jacksonville (region 25290, Duval County) in August 2026, against $287,470 in August 2025, down 0.8%
  19. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $296,995 in the city of Jacksonville in August 2026, against $298,701 a year earlier, down 0.6%, A typical condominium value of $173,549 in the same month, against $186,154, down 6.8%, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
  20. Jacksonville rent report, October 2026 · Apartment List · retrieved
    Supports: A median rent of $1,110 for a one-bedroom and $1,306 for a two-bedroom in the city of Jacksonville, and $1,321 across all bedroom sizes, Rents down 0.1% over September and up 0.7% over the past 12 months, against -1.2% for the state and -0.4% for the nation
  21. Apartments for rent in Jacksonville, FL: average rent · Apartment List · retrieved
    Supports: Average listed rents of $1,185 and up for a studio, $1,392 and up for one bedroom, $1,636 and up for two, and $1,904 and up for three or more
  22. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,601 for the city of Jacksonville in August 2026, against $1,569 a year earlier, up 2.04%
  23. Zillow Observed Rent Index, single-family homes, smoothed, by metro · Zillow Research · retrieved
    Supports: A single-family observed rent index of $2,075 for the Jacksonville metro area (region 394714) in August 2026, against $2,024 a year earlier
  24. Median household income, median home value and tenure, tables B19013, B25077 and B25003, 2024 American Community Survey 1-year estimates · United States Census Bureau, via the Census Reporter API · retrieved
    Supports: A median household income of $72,389 in Jacksonville city, against $77,735 for Florida, $84,114 in Tampa, $77,597 in Orlando and $66,337 in Miami, A median owner-occupied home value of $325,300 in Jacksonville city, against $396,900 for Florida, 240,209 of Jacksonville's 413,620 occupied homes owner-occupied
  25. Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, Jacksonville city · United States Census Bureau, via the Census Reporter API · retrieved
    Supports: 99,738 of 240,209 owner-occupied units, or 42%, paying a homeowners' association or condominium fee, A median monthly fee of $93 among them, and 7,399 paying $500 or more a month
  26. Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
  27. Documentary stamp tax · Florida Department of Revenue · retrieved
    Supports: 70 cents on each $100 of consideration on a deed in every county except Miami-Dade, 35 cents per $100 on a promissory note, capped at $2,450, All parties to a document liable for the tax regardless of which party agrees to pay it
  28. Rule 69O-186.003, Florida Administrative Code: title insurance rates · Florida Department of State, Florida Administrative Code · retrieved
    Supports: An owner's title insurance premium of $5.75 per $1,000 of liability to $100,000 and $5.00 per $1,000 from $100,000 to $1 million
  29. Best home insurance in Jacksonville, Florida (2026) · Insurify · retrieved
    Supports: An average Jacksonville premium of $3,471 a year for $300,000 of dwelling cover and a $1,000 deductible, against a national average of $2,417 for the same cover, updated 27 September 2026
  30. Florida homeowners insurance · NerdWallet · retrieved
    Supports: An average Jacksonville premium of $3,145 a year, $262 a month, against $3,765 in Orlando, $3,470 in Clearwater and $8,345 in Miami, A Florida average of $3,390 a year, on a sample policy with $500,000 of dwelling cover and $300,000 of liability, updated 20 February 2026
  31. Renters insurance in Florida · NerdWallet · retrieved
    Supports: An average Jacksonville renters premium of $179 a year, $15 a month
  32. Section 627.701, Florida Statutes: liability of insureds; hurricane deductibles · The Florida Legislature · retrieved
    Supports: An insurer offering hurricane deductibles of $500, 2%, 5% and 10% of the policy dwelling limits, with the $500 option not required at $250,000 of dwelling limits or more
  33. Flood: Citizens' flood insurance requirements · Citizens Property Insurance Corporation · retrieved
    Supports: Under section 627.715, Florida Statutes, most new and renewing Citizens personal residential policies with wind coverage required to carry flood insurance by 1 January 2027, Homes in a FEMA special flood hazard area required already; outside it, dwelling values of $600,000 or more from 2024, $500,000 from 2025, $400,000 from 2026 and all policies from 2027, Condominium unit-owner, tenant and wind-excluded policies exempt
  34. FloodSmart · Federal Emergency Management Agency, National Flood Insurance Program · retrieved
    Supports: Most homeowners insurance not covering flood damage, Almost one-third of National Flood Insurance Program claims, 29%, coming from outside high-risk flood areas
  35. Hurricane Irma brought record flooding to Jacksonville 5 years ago · News4JAX · retrieved
    Supports: Irma passing 100 miles west of Jacksonville early on 11 September 2017, and the river rising to a historical 5.57 feet when a rainband and 86 mph easterly gusts pushed water into the basin at high tide, Downtown streets flooded and homes in San Marco and across the city flooded, with businesses on both sides of the St. Johns River shut for months
  36. Hurricane Irma review: from violent Cat. 5 to record flooding · Action News Jax, First Alert Weather (Mike Buresh) · retrieved
    Supports: Riverside and San Marco with the worst flooding since at least 1846, A crest of 5.57 feet at the Main Street Bridge against a flood stage of 2 feet, major flooding at 3.5 feet and a previous record of 4.1 feet from Hurricane Dora in 1964
  37. Section 190.021, Florida Statutes: taxes; non-ad valorem assessments · The Florida Legislature · retrieved
    Supports: A community development district's benefit special assessments for bonds, levied annually, a lien on the property enforceable in like manner as county taxes
  38. Section 190.048, Florida Statutes: sale of real estate within a district; required disclosure to purchaser · The Florida Legislature · retrieved
    Supports: A boldfaced disclosure, in each contract for the initial sale of a parcel or residential unit in a district, that the district may impose taxes or assessments in addition to county and other local taxes
  39. Normandy Community Development District: about the CDD, and the fiscal 2027 final adopted budget · Normandy Community Development District · retrieved
    Supports: The district established by Ordinance 2022-117-E of the Jacksonville City Council, effective 24 March 2022, and about 641 acres entirely within Duval County, from https://www.normandycdd.org/about-the-cdd, For a developed 50-foot lot in fiscal 2027, operations and maintenance of $2,343.78 and Series 2024 debt service of $1,881.72, $4,225.50 in all, against $3,007.18 in fiscal 2026; a 40-foot lot at $3,380.40 and a 20-foot townhome at $1,690.20, Series 2024 bonds with annual debt service through 1 May 2054
  40. Bartram Park Community Development District · Bartram Park Community Development District · retrieved
    Supports: A community development district established in 2005 and located in Duval County
  41. SB 4-D (2022): Building Safety, chapter 2022-269, Laws of Florida · The Florida Senate · retrieved
    Supports: Milestone inspections required of condominium and cooperative associations, and a prohibition on waiving or reducing reserves for certain items after a specified date
  42. #AskJAXTDY: How will JEA's new electric and water rates affect me? · Jacksonville Today · retrieved
    Supports: JEA's electric rates up 6.2% and water and sewer rates up 8% from 1 October 2026, A residential electric bill for 1,000 kWh of $170.37 in April 2026, forecast to be $8.70 less in October, and a residential water and sewer bill for 6,000 gallons forecast at $83.50 in October
  43. Housing Services: Headstart to Homeownership program · City of Jacksonville, Housing and Community Development · retrieved
    Supports: Financial assistance of up to $25,000 for down payment and closing costs, subject to funding, Applicants who do not currently own a home, will live in it, and have household income no higher than 80% of the area median income for Duval County, Homes required to meet Section 8 Housing Quality Standards before closing, and applicants told not to sign a sales contract before approval
  44. Florida Hometown Heroes Housing Program · Florida Housing Finance Corporation · retrieved
    Supports: Down payment and closing cost assistance for first-time, income-qualified buyers in eligible occupations: health care, school staff, first responders, public safety and court employees, child care workers, service members and veterans employed full time by a Florida-based employer, Up to 5% of the first mortgage, a maximum of $35,000 and a minimum of $10,000, as a 0%, non-amortizing, 30-year deferred second mortgage that is not forgivable, An HTH 2026 program

These are estimates built from published figures, not a lender quote, a pre-approval or financial advice. Rates, premiums and state and federal rules change; confirm anything you plan to act on with a mortgage professional and read the sourcing methodology.