Total monthly cost of ownership
Cost to Own a Home in Atlantic Beach, Florida
A $566,000 home here costs
$4,539per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $194,500 a year.
A standard mortgage calculator would have told you $3,135. The real number is $1,404 higher every month, 45% more than the payment most buyers budget for.
Compare Duval County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Atlantic Beach against Duval County and Florida
| Measure | Atlantic Beach | Duval County |
|---|---|---|
| Median home value | $565,500 | $274,900 |
| Median property tax | $4,275 | $2,142 |
| Effective tax rate | 0.756% | 0.779% |
| Median gross rent | $1,883 | $1,385 |
| Population | 13,353 | 1,007,189 |
The weather behind that power bill
Atlantic Beach sits in Duval County, which averages a high of 91.8°F in its hottest month and a low of 47.2°F in its coldest, with 47.6" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,302 cooling and 944 heating degree days, which is what sets the $166 electricity line above.
See the full climate breakdown for Duval County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Duval County
Talk to someone who works this market
These are Atlantic Beach averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Atlantic Beach every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Atlantic Beach I already own here and may sell
Common questions
How much does it cost to own a home in Atlantic Beach?
A $566,000 home in Atlantic Beach, Florida costs approximately $4,539 per month with 20% down at 7.4%. That is $3,135 principal and interest, $357 property tax, $342 homeowners insurance, $234 utilities and $472 set aside for maintenance.
What is the property tax rate in Atlantic Beach?
Atlantic Beach has an effective property tax rate of 0.756%, based on a median home value of $565,500 and median real estate taxes of $4,275. That is lower than the Duval County average of 0.779%.
What is the average home price in Atlantic Beach?
The median owner-occupied home value in Atlantic Beach, Florida is $565,500, against $274,900 across Duval County.
Is it cheaper to rent or buy in Atlantic Beach?
Median gross rent in Atlantic Beach is $1,883 a month, against $4,539 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Atlantic Beach?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Atlantic Beach, Florida at today's rate takes a household income of roughly $194,500 a year. That covers the full $4,539 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Atlantic Beach, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Florida.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.