Total monthly cost of ownership
Cost to Own a Home in Jacksonville Beach, Florida
A $524,000 home here costs
$4,000per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,694. The real number is $1,306 higher every month — 48% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Jacksonville Beach against Duval County and Florida
| Measure | Jacksonville Beach | Duval County |
|---|---|---|
| Median home value | $523,600 | $274,900 |
| Median property tax | $4,178 | $2,142 |
| Effective tax rate | 0.798% | 0.779% |
| Median gross rent | $1,867 | $1,385 |
| Population | 23,601 | 1,007,189 |
The weather behind that power bill
Jacksonville 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 $136 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
Common questions
How much does it cost to own a home in Jacksonville Beach?
A $524,000 home in Jacksonville Beach, Florida costs approximately $4,000 per month with 20% down at 6.66%. That is $2,694 principal and interest, $348 property tax, $317 homeowners insurance, $204 utilities and $437 set aside for maintenance.
What is the property tax rate in Jacksonville Beach?
Jacksonville Beach has an effective property tax rate of 0.798%, based on a median home value of $523,600 and median real estate taxes of $4,178. That is higher than the Duval County average of 0.779%.
What is the average home price in Jacksonville Beach?
The median owner-occupied home value in Jacksonville Beach, Florida is $523,600, against $274,900 across Duval County.
Is it cheaper to rent or buy in Jacksonville Beach?
Median gross rent in Jacksonville Beach is $1,867 a month, against $4,000 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Jacksonville 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.