Jacksonville FHA Loan Rates, Closing Costs & Stats

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 226 lenders originated 6,964 FHA loans during 2024. The total origination value was $2,107,840,000, with an average FHA loan value of $302,677.

Jacksonville FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Jacksonville averaged 6.27% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

Jacksonville's average FHA mortgage closing costs are $9,267.

The average rate for the prior week (2025-03-28) was 6.26% and one month ago for the week of 2025-02-28, the average rate was 6.15%.

The average rate one year ago was 6.17%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.14%.

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/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Jacksonville level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 893 6.18% $14,367
DHI MORTGAGE COMPANY, LTD. 672 4.81% $8,388
QUICKEN LOANS, LLC 381 6.26% $13,009
EAGLE HOME MORTGAGE, LLC 316 4.96% $11,672
HOMEAMERICAN MORTGAGE CORPORATION 211 4.94% $6,862
Bank of England 196 6.23% $12,456
JET HOMELOANS, LLC 170 5.37% $13,476
Ameris Bank 168 5.47% $8,087
LOANDEPOT.COM, LLC 167 6.15% $13,342
FREEDOM MORTGAGE CORPORATION 163 6.26% $13,290
GUILD MORTGAGE COMPANY 160 6.57% $12,168
KBHS HOME LOANS, LLC 143 5.74% $12,330
CROSSCOUNTRY MORTGAGE, LLC 126 6.49% $14,111
CARDINAL FINANCIAL 109 6.21% $13,018
PENNYMAC LOAN SERVICES, LLC 106 6.16% $13,281
Equity Prime Mortgage LLC 105 6.75% $12,776
MOVEMENT MORTGAGE, LLC 95 6.44% $12,941
EVERETT FINANCIAL, INC. 90 6.66% $11,673
INSPIRE HOME LOANS INC. 82 5.21% $11,868
PULTE MORTGAGE LLC 78 4.97% $8,228
FBC MORTGAGE, LLC 68 5.38% $11,444
Paramount Residential Mortgage Group, Inc. 64 6.43% $15,178
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 63 6.61% $12,183
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 58 6.47% $12,481
EMM LOANS LLC 58 6.44% $13,057
CMG MORTGAGE, INC. 56 6.63% $13,329
Flagstar Bank, FSB 55 6.04% $10,658
Plains Commerce Bank 52 6.27% $13,586
AMERICAN PACIFIC MORTGAGE CORPORATION 48 6.32% $14,888
BROKER SOLUTIONS, INC. 48 6.64% $13,841
Century Mortgage Company DBA Century Lending Company 39 6.15% $14,580
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 39 6.64% $8,705
PLAZA HOME MORTGAGE, INC. 37 6.84% $13,536
LOANPEOPLE, LLC 36 5.96% $12,725
SWBC MORTGAGE CORPORATION 34 6.75% $7,595
Prosperity Home Mortgage, LLC 34 6.41% $10,860
NEWREZ LLC 34 6.47% $12,914
First Federal Bank 31 6.39% $10,080
MATTAMY HOME FUNDING, LLC 29 5.66% $12,515
Carrington Mortgage Services, LLC 28 6.36% $13,328
UNION HOME MORTGAGE CORP. 27 6.54% $12,194
NVR Mortgage Finance, Inc. 27 6.00% $11,355
TOWNE MORTGAGE COMPANY 26 6.28% $14,844
LAKEVIEW LOAN SERVICING, LLC 25 6.44% $9,263
Mr. Cooper ( Nationstar Mortgage ) 25 6.46% $13,604
VYSTAR 24 7.29% $7,749
SUN WEST MORTGAGE COMPANY, INC. 23 6.22% $15,861
PLANET HOME LENDING, LLC 23 6.47% $11,879
JMAC LENDING, INC. 22 6.07% $12,965
PRIMELENDING, A PLAINSCAPITAL COMPANY 21 6.77% $12,205
AMERICAN FINANCIAL NETWORK, INC. 20 6.78% $15,497
STOCKTON MORTGAGE CORPORATION 20 6.25% $13,507
MUTUAL OF OMAHA MORTGAGE, INC. 20 6.34% $16,450
VILLAGE CAPITAL MORTGAGE 18 6.53% $9,682
Network Funding, L.P. 18 6.56% $13,592
LOANPAL, LLC 18 5.57% $13,098
AMERICAN FINANCIAL RESOURCES, INC. 17 6.43% $14,929
NATIONS DIRECT MORTGAGE, LLC 17 6.22% $14,251
Regions Bank 16 6.01% $12,505
Mortgage Research Center, LLC 15 6.64% $8,831
U.S. Bank 15 6.43% $12,214
GUARANTEED RATE, INC. 15 6.59% $11,773
The Loan Store, Inc. 14 6.11% $15,276
City Lending Inc. 14 6.87% $13,877
AMERISAVE MORTGAGE CORPORATION 14 6.19% $16,567
AFFORDABLE MORTGAGE ADVISORS, LLC. 14 6.51% $12,296
Gateway First Bank 14 6.66% $12,065
Alcova Mortgage LLC 14 6.48% $9,329
Wells Fargo Bank 13 5.82% $15,859
Hancock Whitney Bank 12 6.03% $10,030
WATSON MORTGAGE CORP. 11 6.77% $10,704
HOMESIDE FINANCIAL, LLC 11 6.26% $12,454
First Option Mortgage, LLC 11 6.74% $12,349
MILEND, INC. 11 6.60% $16,430
CHURCHILL MORTGAGE CORPORATION 10 6.46% $13,820
Keystone Funding, Inc. 10 6.30% $13,422
MORTGAGE SOLUTIONS OF COLORADO, LLC 9 6.97% $15,031
MID AMERICA MORTGAGE, INC. 9 7.10% $13,223
Nations Lending Corporation 9 6.78% $10,976
ZILLOW HOME LOANS, LLC 8 6.22% $11,797
NFM, INC. 8 6.56% $12,790
Mortgage Lenders Investment Trading Corporation 7 6.88% $10,572
Florida Capital Bank 7 6.04% $12,777
Sierra Pacific Mortgage Company, Inc. 7 6.16% $13,652
OCEANSIDE MORTGAGE COMPANY 7 5.95% $10,079
Waterstone Mortgage Corporation 7 7.07% $14,590
South State Bank 7 6.66% $10,100
AMERICAN FINANCING CORPORATION 6 6.02% $12,765
Lakeview Community Capital, LLC 6 6.73% $8,143
JPMorgan Chase Bank 6 5.98% $10,316
PNC Bank 6 6.23% $10,737
OCMBC, INC. 6 6.88% $14,631
The Federal Savings Bank 6 6.77% $16,475
ABSOLUTE HOME MORTGAGE CORPORATION 5 6.65% $14,888
FIRST COLONY MORTGAGE CORPORATION 5 6.08% $12,434
ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.10% $14,826
THE MORTGAGE LINK, INC. 5 6.95% $18,385
GENEVA FINANCIAL, LLC 5 6.30% $13,134
TBI MORTGAGE COMPANY 5 5.80% $19,745
RELIANCE FIRST CAPITAL, LLC 5 6.65% $14,479
Summit Mortgage Corporation 5 6.20% $17,762
HOMEOWNERS FINANCIAL GROUP USA, LLC 5 6.63% $10,570
VERITAS FUNDING, LLC 5 6.45% $16,843
NATIONWIDE MORTGAGE BANKERS, INC. 4 6.81% $10,460
ALLIED MORTGAGE GROUP, INC. 4 6.06% $13,828
AmeriHome Mortgage Company, LLC 4 6.09% $10,875
FIRST INTEGRITY MORTGAGE SERVICES, INC. 4 6.78% $10,231
Loan Simple, Inc. 4 6.65% $9,760
MICHIGAN MUTUAL, INC. 4 6.50% $13,407
OPEN MORTGAGE, LLC 4 6.13% $14,466
Renasant Bank 4 6.75% $9,421
RESOURCE FINANCIAL SERVICES, INC. 4 6.81% $13,346
RUOFF MORTGAGE COMPANY, INC. 4 6.31% $7,620
T2 FINANCIAL LLC 4 6.69% $12,589
TJC Mortgage, Inc. 4 6.00% $20,383
Fifth Third Bank 3 6.33% $10,283
SOUTHEAST MORTGAGE OF GEORGIA, INC. 3 6.67% $11,499
South Pacific Financial Corporation 3 5.25% $11,426
Barrington Bank & Trust Company, N.A. 3 7.08% $11,506
Cornerstone First Mortgage, Inc 3 5.13% $17,606
M&T Bank 3 6.38% $13,640
NETWORK CAPITAL FUNDING CORPORATION 3 6.29% $21,904
Capital City Home Loans, LLC 3 6.50% $14,040
VAN DYK MORTGAGE CORPORATION 3 6.79% $6,677
Synovus Bank 3 6.71% $8,412
Bank of America 3 6.25% $7,410
TruHome Solutions, LLC 3 6.46% $5,406
DIRECT MORTGAGE LOANS, LLC 3 6.29% $19,335
MY MORTGAGE, INC. 3 7.04% $11,985
LADERA LENDING, INC. 3 6.08% $12,680
SECURITYNATIONAL MORTGAGE COMPANY 3 6.50% $13,512
Bell Bank 3 6.08% $12,951
LIBERTY HOME MORTGAGE CORPORATION 3 6.46% $17,188
NORWICH COMMERCIAL GROUP, INC. 2 6.56% $10,811
Truist 2 6.25% $10,078
Residential Acceptance Corporation 2 6.56% $17,312
United Community Bank 2 6.13% $9,441
UNITED MORTGAGE CORP 2 6.13% $15,714
EMBRACE HOME LOANS, INC. 2 6.69% $8,708
Atlantic Coast Mortgage, LLC 2 6.44% $9,065
US MORTGAGE CORPORATION 2 6.63% $14,625
Valley National Bank 2 5.75% $13,779
FIRST COMMUNITY MORTGAGE, INC. 2 6.06% $17,927
CLIFFCO, INC. 2 6.19% $13,537
INTELLILOAN, INC. 2 6.00% $10,688
AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 6.50% $7,608
MORTGAGEONE, INC. 2 6.38% $12,419
AXIA FINANCIAL, LLC 2 6.88% $9,263
RESIDENTIAL BANCORP 2 5.37% $13,733
ALKAN MORTGAGE CORPORATION 2 6.50% $16,001
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.44% $17,203
V.I.P. MORTGAGE, INC. 2 6.69% $10,497
NEW DAY FINANCIAL, LLC 2 7.31% $6,325
CANOPY MORTGAGE, LLC 2 6.75% $14,531
Strong Home Mortgage, LLC 2 5.88% $12,201
FIRST EQUITY MORTGAGE INCORPORATED 2 6.06% $14,514
CALCON MUTUAL MORTGAGE LLC 2 8.19% $14,412
DAS Acquisition Company, LLC 2 6.75% $12,529
BETTER MORTGAGE CORPORATION 2 5.94% $13,872
Wolfe Financial, Inc 2 7.25% $11,675
CORNERSTONE HOME LENDING, INC. 2 6.44% $17,998
BAY EQUITY LLC 2 6.31% $10,498
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.50% $12,947
GUARANTEED RATE AFFINITY, LLC 2 6.19% $12,760
TOP FLITE FINANCIAL, INC. 2 7.13% $22,116
Academy Bank 1 6.25% $11,573
TOTAL MORTGAGE SERVICES, LLC 1 6.50% $10,837
UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 6.13% $13,438
University Bank 1 5.75% $11,695
Arvest Bank 1 6.50% $10,028
AmRes Corporation 1 6.75% $22,487
Ixonia Bank 1 6.63% $6,182
Integrity Home Mortgage Corp 1 5.25% $19,308
Hometown Equity Mortgage, LLC 1 7.13% $27,098
HOMESTEAD FUNDING CORP. 1 5.49% $13,309
Home Mortgage Alliance Corp 1 8.25% $5,740
LEADERONE FINANCIAL CORPORATION 1 6.99% $10,395
AMERITRUST MORTGAGE CORPORATION 1 7.00% $13,847
Goldwater Bank, N.A. 1 6.75% $6,251
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.75% $31,112
Meridian Bank Corporation 1 6.25% $20,252
GARDNER FINANCIAL SERVICES, LTD. 1 6.50% $8,976
Mid-Continent Funding, Inc. 1 6.25% $10,383
Franklin Loan Corporation 1 6.25% $18,210
MORIA DEVELOPMENT, INC. 1 7.00% $7,042
MORTGAGE EQUITY PARTNERS LLC 1 5.63% $11,932
FIRST MORTGAGE COMPANY, INC. 1 6.63% $12,016
First Horizon Bank 1 6.13% $11,353
First Heritage Mortgage, LLC 1 5.88% $8,846
FIRST CONTINENTAL MORTGAGE, LTD. 1 6.25% $9,262
MSA MORTGAGE, LLC 1 6.13% $14,103
FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.63% $15,395
FAIR WAY LENDING LLC 1 5.50% $8,239
ENVOY MORTGAGE, LTD 1 6.00% $7,664
ENDEAVOR CAPITAL, LLC. 1 6.25% $1,883
Encompass Lending Group, LP 1 5.88% $10,222
Northpointe Bank 1 5.00% $10,026
OceanFirst Bank 1 6.13% $11,541
Easthampton Savings Bank 1 6.00% $11,319
ON Q FINANCIAL, INC. 1 5.75% $11,599
Paramount Bank 1 6.63% $14,132
DIRECT MORTGAGE, CORP. 1 6.13% $27,662
DG PINNACLE FUNDING LLC 1 6.75% $7,927
PENTAGON FEDERAL CREDIT UNION 1 6.38% $11,599
PHH Mortgage Corporation 1 5.49% $12,372
DELMAR FINANCIAL COMPANY 1 5.49% $11,859
DATA MORTGAGE, INC. 1 6.13% $11,768
POINT Mortgage 1 7.75% $14,553
POLARIS HOME FUNDING CORP. 1 6.13% $11,065
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.00% $18,000
Premium Mortgage Corporation 1 6.63% $11,646
CONTOUR MORTGAGE CORPORATION 1 6.63% $11,920
COMPASS MORTGAGE, INC. 1 6.25% $11,913
RANLIFE, INC. 1 8.25% $5,417
CityWorth Mortgage LLC 1 6.75% $12,783
City National Bank of Florida 1 6.13% $13,255
AMERICAN BANCSHARES MORTGAGE 1 7.38% $13,775
ROYAL UNITED MORTGAGE LLC 1 7.63% $12,023
ACOPIA, LLC 1 7.00% $11,184
Seacoast National Bank 1 6.25% $9,718
CASTLE & COOKE MORTGAGE, LLC 1 7.25% $18,510
SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.50% $11,813
SUCCESS MORTGAGE PARTNERS, INC. 1 6.75% $7,632
Blue Ridge Bank 1 6.38% $8,866
BELEM SERVICING LLC 1 6.63% $14,710
THE MORTGAGE FIRM, INC. 1 6.50% $10,492

The top Jacksonville FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 893 FHA loans originated. Their average total fees are $14,367, which is $5,979 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

The lowest fee Jacksonville FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($6,862), SWBC MORTGAGE CORPORATION ($7,595), VYSTAR ($7,749), Ameris Bank ($8,087) and PULTE MORTGAGE LLC ($8,228).

The lowest rate Jacksonville FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.81%), HOMEAMERICAN MORTGAGE CORPORATION (4.94%), EAGLE HOME MORTGAGE, LLC (4.96%), PULTE MORTGAGE LLC (4.97%) and INSPIRE HOME LOANS INC. (5.21%).

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
JACKSONVILLE, FL BAKER 2023 $526,700 $674,250 $815,050 $1,012,900
JACKSONVILLE, FL CLAY 2023 $526,700 $674,250 $815,050 $1,012,900
JACKSONVILLE, FL DUVAL 2023 $526,700 $674,250 $815,050 $1,012,900
JACKSONVILLE, FL NASSAU 2023 $526,700 $674,250 $815,050 $1,012,900
JACKSONVILLE, FL ST. JOHNS 2023 $526,700 $674,250 $815,050 $1,012,900

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 $311,800 (9.4%) $425,415 (6.3%) 1.16 6,547
2018-02-01 $318,945 (11.1%) $432,011 (8.2%) 1.16 6,709
2018-03-01 $324,900 (9.0%) $443,087 (7.9%) 1.14 6,989
2018-04-01 $324,450 (7.6%) $443,535 (5.9%) 1.10 7,115
2018-05-01 $319,950 (1.6%) $444,197 (2.3%) 1.07 7,350
2018-06-01 $319,900 (3.4%) $437,133 (1.8%) 1.07 7,618
2018-07-01 $309,000 (0.0%) $422,898 (-1.2%) 1.03 8,143
2018-08-01 $302,345 (-2.2%) $419,339 (-1.8%) 1.01 8,168
2018-09-01 $299,000 (-1.6%) $411,043 (-2.9%) 1.01 8,164
2018-10-01 $294,995 (-4.7%) $406,860 (-3.3%) 1.00 8,335
2018-11-01 $291,495 (-6.0%) $403,721 (-4.7%) 0.99 8,428
2018-12-01 $295,895 (-3.0%) $403,835 (-3.6%) 1.02 8,114
2019-01-01 $296,995 (-4.8%) $408,388 (-4.0%) 1.03 7,813
2019-02-01 $299,900 (-6.0%) $415,188 (-3.9%) 1.01 7,884
2019-03-01 $305,081 (-6.1%) $428,780 (-3.2%) 1.00 7,863
2019-04-01 $312,278 (-3.8%) $443,553 (0.0%) 0.99 7,890
2019-05-01 $314,950 (-1.6%) $445,407 (0.3%) 0.98 7,911
2019-06-01 $311,302 (-2.7%) $444,273 (1.6%) 0.97 7,951
2019-07-01 $308,139 (-0.3%) $438,965 (3.8%) 0.96 7,886
2019-08-01 $303,973 (0.5%) $436,276 (4.0%) 0.96 7,867
2019-09-01 $301,682 (0.9%) $435,987 (6.1%) 0.97 7,772
2019-10-01 $299,925 (1.7%) $435,200 (7.0%) 0.97 7,718
2019-11-01 $299,999 (2.9%) $437,370 (8.3%) 0.98 7,593
2019-12-01 $299,948 (1.4%) $437,599 (8.4%) 1.00 7,243
2020-01-01 $299,950 (1.0%) $437,961 (7.2%) 1.00 6,861
2020-02-01 $310,000 (3.4%) $444,812 (7.1%) 1.01 6,784
2020-03-01 $311,493 (2.1%) $441,916 (3.1%) 0.98 6,845
2020-04-01 $299,950 (-4.0%) $428,421 (-3.4%) 0.94 7,385
2020-05-01 $305,990 (-2.8%) $434,250 (-2.5%) 0.93 7,040
2020-06-01 $308,423 (-0.9%) $435,167 (-2.1%) 0.91 6,225
2020-07-01 $312,450 (1.4%) $442,590 (0.8%) 0.91 5,631
2020-08-01 $315,000 (3.6%) $451,078 (3.4%) 0.90 5,025
2020-09-01 $315,000 (4.4%) $458,640 (5.2%) 0.90 4,440
2020-10-01 $309,500 (3.2%) $456,928 (5.0%) 0.89 4,255
2020-11-01 $302,945 (1.0%) $461,768 (5.6%) 0.89 4,078
2020-12-01 $300,864 (0.3%) $464,782 (6.2%) 0.89 3,699
2021-01-01 $303,900 (1.3%) $470,488 (7.4%) 0.91 3,040
2021-02-01 $313,503 (1.1%) $492,995 (10.8%) 0.91 2,450
2021-03-01 $319,450 (2.6%) $502,391 (13.7%) 0.91 2,159
2021-04-01 $329,950 (10.0%) $523,859 (22.3%) 0.89 2,144
2021-05-01 $336,600 (10.0%) $519,338 (19.6%) 0.89 2,213
2021-06-01 $345,592 (12.1%) $519,530 (19.4%) 0.91 2,441
2021-07-01 $349,900 (12.0%) $527,632 (19.2%) 0.92 2,753
2021-08-01 $350,000 (11.1%) $526,880 (16.8%) 0.93 2,893
2021-09-01 $359,923 (14.3%) $527,742 (15.1%) 0.96 3,017
2021-10-01 $355,000 (14.7%) $511,506 (11.9%) 0.95 3,080
2021-11-01 $361,500 (19.3%) $521,998 (13.0%) 0.97 2,780
2021-12-01 $367,950 (22.3%) $546,586 (17.6%) 1.00 2,394
2022-01-01 $375,000 (23.4%) $564,407 (20.0%) 1.01 2,147
2022-02-01 $380,000 (21.2%) $580,587 (17.8%) 0.99 1,859
2022-03-01 $395,925 (23.9%) $600,690 (19.6%) 0.99 1,732
2022-04-01 $410,000 (24.3%) $601,499 (14.8%) 0.98 2,003
2022-05-01 $427,950 (27.1%) $612,944 (18.0%) 0.98 2,655
2022-06-01 $439,473 (27.2%) $611,924 (17.8%) 0.98 3,384
2022-07-01 $426,963 (22.0%) $595,293 (12.8%) 0.96 4,383
2022-08-01 $420,135 (20.0%) $590,359 (12.1%) 0.97 5,149
2022-09-01 $409,498 (13.8%) $570,660 (8.1%) 0.96 5,574
2022-10-01 $400,000 (12.7%) $564,187 (10.3%) 0.94 5,848
2022-11-01 $397,500 (10.0%) $550,419 (5.4%) 0.96 6,048
2022-12-01 $389,000 (5.7%) $543,580 (-0.6%) 0.96 5,804
2023-01-01 $385,000 (2.7%) $544,127 (-3.6%) 0.95 5,299
2023-02-01 $389,720 (2.6%) $555,031 (-4.4%) 0.94 5,065
2023-03-01 $399,450 (0.9%) $577,661 (-3.8%) 0.94 4,789
2023-04-01 $410,000 (0.0%) $599,640 (-0.3%) 0.95 4,498
2023-05-01 $426,376 (-0.4%) $623,358 (1.7%) 0.97 4,446
2023-06-01 $438,998 (-0.1%) $631,847 (3.3%) 0.99 4,716
2023-07-01 $435,000 (1.9%) $626,948 (5.3%) 0.99 4,827
2023-08-01 $427,500 (1.8%) $607,780 (3.0%) 0.98 4,961
2023-09-01 $424,900 (3.8%) $602,249 (5.5%) 0.99 5,271
2023-10-01 $425,000 (6.3%) $603,796 (7.0%) 1.00 5,678
2023-11-01 $412,000 (3.7%) $588,535 (6.9%) 0.98 5,967
2023-12-01 $407,697 (4.8%) $577,685 (6.3%) 0.99 5,951
2024-01-01 $404,950 (5.2%) $573,897 (5.5%) 0.99 5,751
2024-02-01 $410,000 (5.2%) $575,287 (3.7%) 0.99 6,209
2024-03-01 $415,000 (3.9%) $590,907 (2.3%) 0.98 6,636
2024-04-01 $420,000 (2.4%) $597,036 (-0.4%) 0.98 7,158
2024-05-01 $421,994 (-1.0%) $597,681 (-4.1%) 0.96 7,541
2024-06-01 $419,900 (-4.4%) $597,581 (-5.4%) 0.95 8,039
2024-07-01 $414,500 (-4.7%) $585,728 (-6.6%) 0.95 8,386
2024-08-01 $409,850 (-4.1%) $573,727 (-5.6%) 0.95 8,349
2024-09-01 $399,000 (-6.1%) $562,419 (-6.6%) 0.94 8,533
2024-10-01 $397,750 (-6.4%) $561,176 (-7.1%) 0.94 8,553
2024-11-01 $394,000 (-4.4%) $558,839 (-5.1%) 0.95 8,581
2024-12-01 $384,500 (-5.7%) $546,878 (-5.3%) 0.96 8,138
2025-01-01 $385,000 (-4.9%) $544,641 (-5.1%) 0.96 8,049
2025-02-01 $388,098 (-5.3%) $552,168 (-4.0%) 0.94 8,493
2025-03-01 $399,000 (-3.9%) $570,619 (-3.4%) 0.00 9,001
Jacksonville's median listing price for 2025-03-01 was $399,000, a difference of $-16,000 (-3.9%) versus the prior year and $10,902 versus the prior month.

Jacksonville's median listing price comes in at 0% of the national average.

Jacksonville's average listing price for 2025-03-01 was $570,619, a difference of $-20,288 (-3.4%) versus the prior year and $18,451 versus the prior month.

For the 2025-03-01 period, Jacksonville had 9,001 MLS listings, a difference of 508 listings (6%) versus the prior month and 2,365 listings (36%) 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 79 days 2,075 sqft
2018-02-01 70 days 2,076 sqft
2018-03-01 52 days 2,114 sqft
2018-04-01 54 days 2,113 sqft
2018-05-01 56 days 2,098 sqft
2018-06-01 57 days 2,102 sqft
2018-07-01 58 days 2,055 sqft
2018-08-01 60 days 2,037 sqft
2018-09-01 65 days 2,013 sqft
2018-10-01 65 days 1,999 sqft
2018-11-01 68 days 1,986 sqft
2018-12-01 73 days 1,987 sqft
2019-01-01 80 days 1,977 sqft
2019-02-01 74 days 1,972 sqft
2019-03-01 64 days 2,013 sqft
2019-04-01 58 days 2,043 sqft
2019-05-01 59 days 2,055 sqft
2019-06-01 60 days 2,049 sqft
2019-07-01 64 days 2,041 sqft
2019-08-01 65 days 2,020 sqft
2019-09-01 67 days 2,002 sqft
2019-10-01 68 days 1,989 sqft
2019-11-01 65 days 1,986 sqft
2019-12-01 71 days 1,980 sqft
2020-01-01 78 days 1,976 sqft
2020-02-01 69 days 1,981 sqft
2020-03-01 56 days 1,960 sqft
2020-04-01 59 days 1,915 sqft
2020-05-01 66 days 1,933 sqft
2020-06-01 72 days 1,931 sqft
2020-07-01 71 days 1,937 sqft
2020-08-01 70 days 1,922 sqft
2020-09-01 63 days 1,896 sqft
2020-10-01 58 days 1,862 sqft
2020-11-01 57 days 1,851 sqft
2020-12-01 59 days 1,829 sqft
2021-01-01 60 days 1,819 sqft
2021-02-01 54 days 1,799 sqft
2021-03-01 44 days 1,809 sqft
2021-04-01 38 days 1,804 sqft
2021-05-01 39 days 1,810 sqft
2021-06-01 35 days 1,800 sqft
2021-07-01 36 days 1,804 sqft
2021-08-01 36 days 1,797 sqft
2021-09-01 37 days 1,784 sqft
2021-10-01 37 days 1,800 sqft
2021-11-01 42 days 1,794 sqft
2021-12-01 48 days 1,798 sqft
2022-01-01 47 days 1,798 sqft
2022-02-01 37 days 1,799 sqft
2022-03-01 34 days 1,845 sqft
2022-04-01 29 days 1,837 sqft
2022-05-01 27 days 1,853 sqft
2022-06-01 29 days 1,851 sqft
2022-07-01 33 days 1,853 sqft
2022-08-01 41 days 1,846 sqft
2022-09-01 46 days 1,836 sqft
2022-10-01 53 days 1,823 sqft
2022-11-01 59 days 1,815 sqft
2022-12-01 64 days 1,806 sqft
2023-01-01 73 days 1,799 sqft
2023-02-01 64 days 1,809 sqft
2023-03-01 52 days 1,817 sqft
2023-04-01 51 days 1,840 sqft
2023-05-01 48 days 1,861 sqft
2023-06-01 45 days 1,869 sqft
2023-07-01 50 days 1,862 sqft
2023-08-01 49 days 1,856 sqft
2023-09-01 50 days 1,835 sqft
2023-10-01 51 days 1,825 sqft
2023-11-01 53 days 1,812 sqft
2023-12-01 61 days 1,800 sqft
2024-01-01 66 days 1,786 sqft
2024-02-01 51 days 1,783 sqft
2024-03-01 47 days 1,800 sqft
2024-04-01 51 days 1,808 sqft
2024-05-01 51 days 1,811 sqft
2024-06-01 55 days 1,816 sqft
2024-07-01 58 days 1,800 sqft
2024-08-01 61 days 1,792 sqft
2024-09-01 65 days 1,762 sqft
2024-10-01 70 days 1,760 sqft
2024-11-01 72 days 1,750 sqft
2024-12-01 78 days 1,715 sqft
2025-01-01 74 days 1,713 sqft
2025-02-01 66 days 1,715 sqft
2025-03-01 0 days 1,735 sqft
Jacksonville's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

Jacksonville's median square footage for active listings during the 2025-03-01 period was 1,735 sqft. One year prior, the average listing was 1,800 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).