Jacksonville FHA Loans

JACKSONVILLE, FL

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Jacksonville's 267 lenders originated 9,251 FHA loans during 2021. The total origination value was $2,121,635,000, with an average FHA loan value of $229,341.

Jacksonville FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Jacksonville averaged 5.29% for the week of 2022-05-13, compared to the national average (all FHA variants) of 5.361% for the same period.

The average rate for the prior week (2022-05-06) was 5.32% and one month ago for the week of 2022-04-08, the average rate was 4.98%.

The average rate one year ago was 2.99%.

For refis of the same type during the week of 2022-05-13, the average rate was 5.23%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Jacksonville FHA Loan Lenders by Rates & Fees

The below table looks at the average fees and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Jacksonville level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 752 2.74% $6,634
DHI MORTGAGE COMPANY, LTD. 422 2.96% $7,559
UNITED WHOLESALE MORTGAGE, LLC 380 2.80% $8,319
CALIBER HOME LOANS, INC. 308 2.93% $7,527
LAKEVIEW LOAN SERVICING, LLC 302 3.06% $5,129
FREEDOM MORTGAGE CORPORATION 267 2.90% $5,964
EAGLE HOME MORTGAGE, LLC 233 3.26% $9,398
PENNYMAC LOAN SERVICES, LLC 225 3.09% $5,860
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 215 2.99% $8,350
KBHS HOME LOANS, LLC 204 3.28% $12,040
Mr. Cooper ( Nationstar Mortgage ) 195 3.29% $4,615
LOANDEPOT.COM, LLC 185 3.33% $8,633
Bank of England 172 3.16% $9,228
JET HOMELOANS, LLC 172 3.19% $10,256
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 158 3.23% $8,539
NEWREZ LLC 122 3.00% $7,208
ACADEMY MORTGAGE CORPORATION 120 3.32% $8,657
CMG MORTGAGE, INC. 112 3.24% $9,457
HAMILTON HOME LOANS, INC. 105 3.24% $8,032
Carrington Mortgage Services, LLC 101 3.41% $8,815
Equity Prime Mortgage LLC 100 3.30% $7,352
CROSSCOUNTRY MORTGAGE, LLC 99 3.26% $9,243
Lakeview Community Capital, LLC 97 3.08% $4,907
HOMEOWNERS FINANCIAL GROUP USA, LLC 91 3.22% $8,363
MOVEMENT MORTGAGE, LLC 86 3.15% $7,238
HOME POINT FINANCIAL CORPORATION 83 2.81% $8,424
AMERICAN FINANCIAL NETWORK, INC. 83 3.20% $14,488
HOMEAMERICAN MORTGAGE CORPORATION 79 2.90% $5,814
VILLAGE CAPITAL & INVESTMENT LLC 74 2.96% $3,025
SWBC MORTGAGE CORPORATION 74 3.22% $6,519
Paramount Residential Mortgage Group, Inc. 64 3.40% $10,798
GUARANTEED RATE, INC. 64 3.07% $8,907
Mortgage Lenders Investment Trading Corporation 60 3.46% $6,654
Gateway First Bank 60 3.28% $7,582
AMERICAN PACIFIC MORTGAGE CORPORATION 56 3.03% $9,075
FBC MORTGAGE, LLC 54 3.19% $7,719
MATTAMY HOME FUNDING, LLC 51 2.56% $11,259
AmeriHome Mortgage Company, LLC 51 2.89% $4,618
STOCKTON MORTGAGE CORPORATION 49 2.94% $7,973
GUILD MORTGAGE COMPANY 46 3.20% $7,895
WATSON MORTGAGE CORP. 46 3.02% $8,017
UNION HOME MORTGAGE CORP. 45 3.18% $8,776
BROKER SOLUTIONS, INC. 45 3.10% $8,170
HOMEBRIDGE FINANCIAL SERVICES, INC. 45 3.08% $9,672
RESOURCE FINANCIAL SERVICES, INC. 42 3.05% $6,728
Ameris Bank 41 2.85% $9,062
NATIONWIDE MORTGAGE BANKERS, INC. 40 3.57% $8,882
Prosperity Home Mortgage, LLC 40 3.58% $8,143
U.S. Bank 38 2.80% $8,184
Renasant Bank 37 2.99% $7,909
First Federal Bank 37 3.14% $7,873
Nations Lending Corporation 33 3.31% $9,255
PLANET HOME LENDING, LLC 33 2.83% $5,418
OVM FINANCIAL, INC. 33 3.36% $8,170
AMERISAVE MORTGAGE CORPORATION 32 2.98% $8,346
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 31 3.32% $11,013
First Option Mortgage, LLC 30 3.23% $8,353
FINANCE OF AMERICA MORTGAGE LLC 30 3.01% $8,963
CHURCHILL MORTGAGE CORPORATION 30 3.08% $8,585
HOMESTAR FINANCIAL CORPORATION 29 3.21% $7,385
PLAZA HOME MORTGAGE, INC. 29 3.28% $10,125
Wolfe Financial, Inc 29 3.20% $8,531
Alcova Mortgage LLC 28 3.26% $7,603
Hometown Equity Mortgage, LLC 27 3.54% $9,470
TOWNE MORTGAGE COMPANY 26 3.13% $8,484
PRIMARY RESIDENTIAL MORTGAGE, INC. 25 3.64% $11,494
CONTOUR MORTGAGE CORPORATION 24 3.20% $8,770
First Guaranty Mortgage Corporation 23 2.90% $7,379
PULTE MORTGAGE LLC 22 3.07% $6,571
VYSTAR 22 2.81% $5,698
InterContinental Capital Group, Inc 21 2.73% $8,164
EMBRACE HOME LOANS, INC. 21 3.01% $9,323
NATIONS DIRECT MORTGAGE, LLC 20 3.29% $8,250
Citizens Bank 20 2.87% $8,727
NVR Mortgage Finance, Inc. 19 3.13% $9,036
Commerce Home Mortgage, Inc. 19 3.02% $7,325
South Pacific Financial Corporation 18 2.92% $8,328
PRIMELENDING, A PLAINSCAPITAL COMPANY 17 3.20% $9,215
SUCCESS MORTGAGE PARTNERS, INC. 17 3.52% $8,658
Network Funding, L.P. 16 2.79% $7,260
BAY EQUITY LLC 16 3.32% $8,638
Flagstar Bank, FSB 15 2.63% $8,924
ABSOLUTE HOME MORTGAGE CORPORATION 14 3.13% $9,680
Bank of America 14 2.81% $3,446
Florida Capital Bank 14 2.86% $7,414
PANORAMA MORTGAGE GROUP, LLC 13 3.50% $10,317
SUN WEST MORTGAGE COMPANY, INC. 13 3.35% $8,727
MUTUAL OF OMAHA MORTGAGE, INC. 13 3.26% $9,053
CELEBRITY HOME LOANS, LLC 13 3.26% $9,848
GENEVA FINANCIAL, LLC 12 3.09% $8,720
RESIDENTIAL HOME FUNDING CORP. 12 3.36% $9,924
Regions Bank 12 2.73% $9,325
Synovus Bank 10 3.15% $8,675
Plains Commerce Bank 10 2.91% $8,592
ARK-LA-TEX FINANCIAL SERVICES, LLC. 10 2.78% $7,789
OCEANSIDE MORTGAGE COMPANY 10 2.79% $3,419
VAN DYK MORTGAGE CORPORATION 10 3.38% $7,413
AMERICAN FINANCIAL RESOURCES, INC. 10 3.68% $8,416
HOMESIDE FINANCIAL, LLC 9 3.14% $8,204
OPEN MORTGAGE, LLC 9 2.94% $7,695
Summit Mortgage Corporation 9 3.35% $7,601
Hometown Lenders, Inc. 9 3.22% $9,559
EMM LOANS LLC 8 2.92% $8,631
TOP FLITE FINANCIAL, INC. 8 3.28% $14,675
Mortgage Research Center, LLC 8 3.04% $8,468
The Federal Savings Bank 8 2.59% $10,481
NP, Inc. 8 3.11% $9,072
DAS Acquisition Company, LLC 7 3.43% $9,159
CALCON MUTUAL MORTGAGE LLC 7 2.82% $9,041
GUARANTEED RATE AFFINITY, LLC 7 2.91% $8,214
ENVOY MORTGAGE, LTD 7 3.39% $8,745
ZILLOW HOME LOANS, LLC 7 2.70% $8,278
THE MORTGAGE FIRM, INC. 6 3.17% $8,721
Capital City Home Loans, LLC 6 2.83% $8,687
Barrington Bank & Trust Company, N.A. 6 3.19% $8,177
MORIA DEVELOPMENT, INC. 6 3.50% $8,009
PHH Mortgage Corporation 5 3.05% $6,937
HANCOCK MORTGAGE PARTNERS, LLC 5 3.35% $9,755
GUARANTY HOME MORTGAGE CORPORATION 5 2.75% $10,117
CERTAINTY HOME LOANS, LLC 5 3.50% $8,754
SOUTHWEST STAGE FUNDING, LLC 5 3.25% $4,867
ACOPIA, LLC 5 3.38% $8,790
AMCAP MORTGAGE, LTD. 4 3.25% $8,307
COUNTRYPLACE MORTGAGE, LTD. 4 3.44% $11,783
DATA MORTGAGE, INC. 4 3.91% $9,627
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 3.09% $8,082
CityWorth Mortgage LLC 4 3.25% $10,031
NORWICH COMMERCIAL GROUP, INC. 4 3.56% $8,109
Century Mortgage Company DBA Century Lending Company 4 3.38% $10,822
JPMorgan Chase Bank 4 2.97% $4,702
SECURITYNATIONAL MORTGAGE COMPANY 4 3.00% $8,665
LEADERONE FINANCIAL CORPORATION 4 4.09% $8,288
LENDUS, LLC 4 3.31% $7,650
ALLIED MORTGAGE GROUP, INC. 4 2.88% $9,886
Magnolia Bank 4 2.87% $8,641
Manufacturers and Traders Trust Company 4 2.91% $10,058
CALCULATED RISK ANALYTICS LLC 4 3.28% $9,385
MICHIGAN MUTUAL, INC. 4 3.41% $13,400
AMERIFIRST FINANCIAL CORPORATION 4 3.91% $9,801
Midwest Mortgage Associates Corporation 4 2.94% $8,680
MILEND, INC. 4 2.78% $11,272
GSF Mortgage Corporation 3 3.79% $9,921
EVERETT FINANCIAL, INC. 3 3.17% $7,413
ROUNDPOINT MORTGAGE SERVICING CORPORATION 3 3.38% $9,291
LIBERTY HOME MORTGAGE CORPORATION 3 3.50% $6,440
TruHome Solutions, LLC 3 3.08% $6,600
United Fidelity Funding Corp. 3 3.04% $8,590
AMERICAN FINANCING CORPORATION 3 3.04% $8,705
VANDERBILT MORTGAGE AND FINANCE, INC. 3 3.38% $10,081
SOUTHWEST FUNDING, LP 3 3.92% $8,492
TIAA, FSB 3 2.79% $9,947
1ST SIGNATURE LENDING, LLC 3 3.50% $9,916
JAMES B. NUTTER & COMPANY 3 2.96% $4,763
Truist Bank 3 2.68% $7,145
CORNERSTONE HOME LENDING, INC. 3 3.42% $9,854
South State Bank 3 2.71% $10,401
NEW DAY FINANCIAL, LLC 3 3.21% $5,009
ARC HOME LLC 3 3.00% $8,702
HOME SOLUTION LENDERS INC. 3 2.79% $9,673
Waterstone Mortgage Corporation 3 3.83% $9,207
LAND HOME FINANCIAL SERVICES, INC. 3 3.83% $9,939
HOMESPIRE MORTGAGE CORPORATION 2 2.56% $9,802
Financial Freedom Mortgage, LLC 2 3.31% $9,226
FIRST COMMUNITY MORTGAGE, INC. 2 3.00% $10,291
FIRST EQUITY MORTGAGE BANKERS, INC. 2 3.00% $12,279
FIRST EQUITY MORTGAGE INCORPORATED 2 2.63% $10,140
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 3.25% $10,121
Hancock Whitney Bank 2 2.88% $7,653
Colten Mortgage, LLC 2 3.50% $4,838
CIS Financial Services, Inc. 2 3.25% $9,213
INTERLINC MORTGAGE SERVICES, LLC 2 3.69% $7,742
KELLER MORTGAGE, LLC 2 2.25% $6,539
Capital Bank 2 2.63% $7,332
LOANLEADERS OF AMERICA, INC. 2 2.75% $18,165
LOANPAL, LLC 2 2.50% $9,970
Low VA Rates, LLC 2 2.75% $5,262
MID AMERICA MORTGAGE, INC. 2 2.75% $5,214
BETTER MORTGAGE CORPORATION 2 3.25% $4,211
North American Savings Bank, F.S.B. 2 3.13% $7,728
Northpointe Bank 2 3.00% $6,935
PARKSIDE LENDING, LLC 2 2.56% $11,297
BANKING MORTGAGE SERVICES, B.M.S. CORP. 2 3.25% $13,642
Austin Capital Bank SSB 2 2.94% $9,957
PNC Bank 2 2.88% $4,279
AmRes Corporation 2 3.25% $11,407
READY MORTGAGE LENDERS, LLC 2 3.13% $11,115
RELIANCE FIRST CAPITAL, LLC 2 2.75% $12,573
RESIDENTIAL MORTGAGE SERVICES, INC. 2 3.38% $9,408
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 2 2.75% $11,806
Sierra Pacific Mortgage Company, Inc. 2 3.00% $10,985
SOUTHERN TRUST MORTGAGE, LLC 2 3.75% $9,103
SOUTHPOINT FINANCIAL SERVICES, INC. 2 3.44% $6,803
Victorian Finance, LLC 2 3.50% $8,057
Wells Fargo Bank 2 3.25% $3,602
WESTERN EXPRESS LENDING 2 2.81% $10,064
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.50% $5,070
EVANSVILLE TEACHERS 1 3.13% $7,702
PREMIA MORTGAGE, LLC 1 3.13% $7,728
MORTGAGE EQUITY PARTNERS LLC 1 2.75% $11,245
Prime Choice Funding Inc. 1 2.75% $10,647
1ST FINANCIAL, INC. 1 3.25% $9,256
MLD MORTGAGE INC. 1 3.50% $9,494
AHL FUNDING 1 3.63% $9,041
Mid-Continent Funding, Inc. 1 3.00% $18,784
RAPID MORTGAGE COMPANY 1 3.75% $7,327
FIDELITY FUNDING MORTGAGE CORP. 1 4.13% $8,437
MEMBER FIRST MORTGAGE, LLC 1 3.50% $12,077
WALL STREET MORTGAGE BANKERS, LTD. 1 2.63% $10,817
American Security Mortgage Corp. 1 2.75% $9,510
RESIDENTIAL BANCORP. 1 2.75% $13,947
CANOPY MORTGAGE, LLC 1 2.99% $8,531
FIDELITY DIRECT MORTGAGE, LLC 1 2.63% $7,337
Residential Mortgage Solutions, Inc. 1 2.38% $9,077
FIDELITY BANK 1 2.88% $7,706
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.63% $7,852
ROYAL UNITED MORTGAGE LLC 1 2.50% $8,468
RUOFF MORTGAGE COMPANY, INC. 1 2.88% $6,240
SeaTrust Mortgage Company 1 3.25% $8,251
Keystone Funding, Inc. 1 3.25% $7,094
Wyndham Capital Mortgage, Inc. 1 2.63% $6,567
SIGNATURE MORTGAGE CORPORATION 1 3.00% $8,407
FAY SERVICING, LLC 1 3.63% $5,900
American Midwest Mortgage Corporation 1 3.25% $4,279
West Town Bank & Trust 1 3.25% $7,675
CAPITAL PARTNERS MORTGAGE, LLC 1 4.50% $8,074
INTELLILOAN, INC. 1 3.25% $3,629
Christensen Financial, Inc. 1 3.38% $8,314
STEARNS LENDING, LLC 1 3.25% $5,747
Stifel Bank and Trust 1 2.50% $9,409
FAIR WAY LENDING LLC 1 3.00% $6,037
Home Mortgage Alliance Corp 1 2.88% $8,352
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.25% $6,327
GVC MORTGAGE, INC. 1 2.63% $8,838
CRESCENT MORTGAGE COMPANY 1 2.88% $8,980
GREENWAY MORTGAGE FUNDING CORP. 1 3.75% $12,749
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.50% $7,225
The Home Loan Expert LLC 1 2.75% $7,282
GMFS LLC 1 3.00% $7,148
The Union Bank Company 1 3.25% $6,739
GET A RATE LLC 1 3.00% $13,180
TJC Mortgage, Inc. 1 3.25% $9,783
George Mason Mortgage, LLC 1 2.63% $7,309
Towne Bank 1 2.63% $7,607
AMERICAN FEDERAL MORTGAGE CORPORATION 1 2.88% $4,964
Town Square Mortgage & Investments, Inc. 1 3.25% $11,723
Triumph Bank 1 2.25% $10,177
FLAT BRANCH MORTGAGE, INC. 1 3.13% $11,859
FIRST WORLD MORTGAGE CORPORATION 1 2.75% $6,254
AMERICAN ADVISORS GROUP 1 2.75% $6,546
DIRECT MORTGAGE, CORP. 1 2.75% $8,532
First National Bank of Omaha 1 3.25% $5,783
UNIVERSITY LENDING GROUP, LLC 1 2.75% $6,629
NFM, INC. 1 3.75% $8,281
BAYSHORE MORTGAGE FUNDING, LLC 1 3.25% $7,690
BBVA USA 1 2.25% $4,195
OCMBC, INC. 1 3.88% $8,781
NATIONS RELIABLE LENDING, LLC 1 2.75% $11,532
BAY CAPITAL MORTGAGE CORPORATION 1 2.63% $6,286
BECKAM FUNDING CORP. 1 3.75% $12,114
Bell Bank 1 2.75% $6,627
DIRECT MORTGAGE LOANS, LLC 1 3.38% $8,818
MYCUMORTGAGE, LLC 1 3.00% $8,762
Peoples Bank 1 3.50% $6,721
PERFORMANCE MORTGAGE LLC 1 3.75% $7,666
Blue Ridge Bank 1 3.00% $8,052
MORTGAGE INVESTORS GROUP, INC. 1 2.50% $10,394
First Federal Bank of Kansas City 1 3.13% $11,207

The top Jacksonville FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 752 FHA loans originated. Their average total fees are $6,634, which is $926 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

The lowest fee Jacksonville FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL & INVESTMENT LLC ($3,025), OCEANSIDE MORTGAGE COMPANY ($3,419), Bank of America ($3,446), Mr. Cooper ( Nationstar Mortgage ) ($4,615) and AmeriHome Mortgage Company, LLC ($4,618).

The lowest rate Jacksonville FHA lenders (with over 10 loans originated) are MATTAMY HOME FUNDING, LLC (2.56%), Flagstar Bank, FSB (2.63%), Regions Bank (2.73%), InterContinental Capital Group, Inc (2.73%) and QUICKEN LOANS, LLC (2.74%).

Jacksonville FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
JACKSONVILLE, FL BAKER 2022 $432,400 $553,550 $669,100 $831,550
JACKSONVILLE, FL CLAY 2022 $432,400 $553,550 $669,100 $831,550
JACKSONVILLE, FL DUVAL 2022 $432,400 $553,550 $669,100 $831,550
JACKSONVILLE, FL NASSAU 2022 $432,400 $553,550 $669,100 $831,550
JACKSONVILLE, FL ST. JOHNS 2022 $432,400 $553,550 $669,100 $831,550

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $313,490 (8.1%) $424,319 (5.3%) 1.15 7,612
2018-02-01 $319,950 (9.9%) $430,274 (6.8%) 1.15 7,788
2018-03-01 $325,000 (8.4%) $442,349 (6.8%) 1.12 8,015
2018-04-01 $325,000 (5.2%) $443,808 (5.2%) 1.09 8,202
2018-05-01 $322,990 (1.5%) $442,536 (1.3%) 1.08 8,479
2018-06-01 $323,990 (2.9%) $438,235 (1.1%) 1.08 8,787
2018-07-01 $315,000 (1.0%) $425,459 (-1.2%) 1.05 9,308
2018-08-01 $312,693 (0.1%) $423,689 (-0.9%) 1.04 9,265
2018-09-01 $307,990 (-0.3%) $416,160 (-1.7%) 1.03 9,274
2018-10-01 $299,950 (-4.1%) $412,502 (-2.2%) 1.00 9,529
2018-11-01 $299,700 (-4.1%) $410,051 (-3.2%) 1.00 9,588
2018-12-01 $300,000 (-3.2%) $409,877 (-2.1%) 1.03 9,276
2019-01-01 $301,350 (-3.9%) $414,979 (-2.2%) 1.04 8,899
2019-02-01 $308,334 (-3.6%) $420,433 (-2.3%) 1.03 9,071
2019-03-01 $313,714 (-3.5%) $433,819 (-1.9%) 1.02 9,032
2019-04-01 $321,250 (-1.2%) $449,186 (1.2%) 1.01 9,131
2019-05-01 $323,900 (0.3%) $453,992 (2.6%) 1.00 9,191
2019-06-01 $319,990 (-1.2%) $453,550 (3.5%) 0.98 9,220
2019-07-01 $315,450 (0.1%) $447,256 (5.1%) 0.98 9,084
2019-08-01 $312,800 (0.0%) $445,518 (5.2%) 0.98 8,948
2019-09-01 $309,950 (0.6%) $444,969 (6.9%) 0.98 8,738
2019-10-01 $314,445 (4.8%) $450,052 (9.1%) 1.00 8,957
2019-11-01 $313,990 (4.8%) $449,174 (9.5%) 1.01 8,869
2019-12-01 $309,995 (3.3%) $446,017 (8.8%) 1.03 8,479
2020-01-01 $311,995 (3.5%) $446,213 (7.5%) 1.04 7,991
2020-02-01 $319,900 (3.8%) $452,897 (7.7%) 1.03 7,881
2020-03-01 $324,850 (3.6%) $455,956 (5.1%) 1.02 7,932
2020-04-01 $315,293 (-1.9%) $443,949 (-1.2%) 0.98 8,527
2020-05-01 $321,990 (-0.6%) $448,446 (-1.2%) 0.98 8,139
2020-06-01 $321,025 (0.3%) $451,846 (-0.4%) 0.94 7,224
2020-07-01 $323,400 (2.5%) $461,022 (3.1%) 0.93 6,488
2020-08-01 $327,000 (4.5%) $476,268 (6.9%) 0.93 5,805
2020-09-01 $328,278 (5.9%) $482,110 (8.4%) 0.94 5,101
2020-10-01 $324,900 (3.3%) $479,717 (6.6%) 0.93 4,882
2020-11-01 $319,450 (1.7%) $485,924 (8.2%) 0.91 4,708
2020-12-01 $318,450 (2.7%) $486,738 (9.1%) 0.93 4,264
2021-01-01 $318,990 (2.2%) $486,461 (9.0%) 0.94 3,500
2021-02-01 $327,450 (2.4%) $513,369 (13.4%) 0.94 2,771
2021-03-01 $334,180 (2.9%) $524,601 (15.1%) 0.94 2,391
2021-04-01 $341,400 (8.3%) $539,584 (21.5%) 0.92 2,345
2021-05-01 $347,500 (7.9%) $536,379 (19.6%) 0.91 2,403
2021-06-01 $349,995 (9.0%) $529,484 (17.2%) 0.91 2,705
2021-07-01 $350,254 (8.3%) $536,258 (16.3%) 0.91 3,023
2021-08-01 $359,000 (9.8%) $536,864 (12.7%) 0.94 3,279
2021-09-01 $369,876 (12.7%) $542,572 (12.5%) 0.97 3,435
2021-10-01 $369,900 (13.9%) $529,298 (10.3%) 0.97 3,506
2021-11-01 $374,900 (17.4%) $540,111 (11.2%) 0.99 3,136
2021-12-01 $376,250 (18.2%) $560,468 (15.2%) 1.00 2,720
2022-01-01 $385,000 (20.7%) $584,914 (20.2%) 1.03 2,430
2022-02-01 $392,500 (19.9%) $601,459 (17.2%) 1.00 2,054
2022-03-01 $406,000 (21.5%) $621,919 (18.6%) 1.00 1,901
2022-04-01 $419,900 (23.0%) $616,449 (14.3%) 0.99 2,202
Jacksonville's median listing price for 2022-04-01 was $419,900, a difference of $78,500 (23.0%) versus the prior year and $13,900 versus the prior month.

Jacksonville's median listing price comes in at 99% of the national average.

Jacksonville's average listing price for 2022-04-01 was $616,449, a difference of $76,865 (14.3%) versus the prior year and $-5,470 versus the prior month.

For the 2022-04-01 period, Jacksonville had 2,202 MLS listings, a difference of 301 listings (16%) versus the prior month and -143 listings (-6%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 82 days 2,062 sqft
2018-02-01 77 days 2,064 sqft
2018-03-01 58 days 2,099 sqft
2018-04-01 59 days 2,107 sqft
2018-05-01 61 days 2,087 sqft
2018-06-01 62 days 2,098 sqft
2018-07-01 64 days 2,060 sqft
2018-08-01 64 days 2,050 sqft
2018-09-01 67 days 2,031 sqft
2018-10-01 68 days 2,010 sqft
2018-11-01 71 days 1,996 sqft
2018-12-01 78 days 1,998 sqft
2019-01-01 84 days 1,986 sqft
2019-02-01 80 days 1,986 sqft
2019-03-01 62 days 2,025 sqft
2019-04-01 63 days 2,062 sqft
2019-05-01 64 days 2,072 sqft
2019-06-01 64 days 2,066 sqft
2019-07-01 70 days 2,052 sqft
2019-08-01 70 days 2,030 sqft
2019-09-01 72 days 2,014 sqft
2019-10-01 70 days 2,017 sqft
2019-11-01 69 days 2,003 sqft
2019-12-01 73 days 1,993 sqft
2020-01-01 81 days 1,987 sqft
2020-02-01 74 days 1,992 sqft
2020-03-01 58 days 1,992 sqft
2020-04-01 58 days 1,956 sqft
2020-05-01 67 days 1,960 sqft
2020-06-01 67 days 1,950 sqft
2020-07-01 64 days 1,962 sqft
2020-08-01 59 days 1,958 sqft
2020-09-01 57 days 1,930 sqft
2020-10-01 51 days 1,897 sqft
2020-11-01 51 days 1,868 sqft
2020-12-01 57 days 1,862 sqft
2021-01-01 64 days 1,856 sqft
2021-02-01 55 days 1,856 sqft
2021-03-01 44 days 1,859 sqft
2021-04-01 39 days 1,833 sqft
2021-05-01 38 days 1,821 sqft
2021-06-01 37 days 1,809 sqft
2021-07-01 37 days 1,800 sqft
2021-08-01 38 days 1,807 sqft
2021-09-01 38 days 1,802 sqft
2021-10-01 39 days 1,820 sqft
2021-11-01 43 days 1,811 sqft
2021-12-01 50 days 1,810 sqft
2022-01-01 52 days 1,814 sqft
2022-02-01 40 days 1,826 sqft
2022-03-01 38 days 1,868 sqft
2022-04-01 31 days 1,860 sqft
Jacksonville's median listing age (time on market) for 2022-04-01 was 31 days. This is -19% shorter than the same period one year ago.

Jacksonville's median square footage for active listings during the 2022-04-01 period was 1,860 sqft. One year prior, the average listing was 1,833 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).