Jacksonville VA Loan Rates, Closing Costs & Stats
JACKSONVILLE, FL
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Jacksonville's 216 lenders originated 6,827 VA loans during 2024. The total origination value was $2,659,465,000, with an average VA loan value of $389,551.
Jacksonville VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Jacksonville
averaged
6.66%
for the week of 2025-05-23, compared to the national average (all VA variants) of
6.52% for the same period.
Jacksonville's average VA mortgage closing costs are $7,450.
The average rate for the prior week (2025-05-16) was
6.24% and
one month ago for the week of 2025-04-18, the
average rate was 6.62%.
The average rate one year ago was 6.53%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.34%.
Jacksonville VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Jacksonville level.
The top Jacksonville VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
891 VA loans originated. Their average total fees are
$8,431, which is $1,545
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Jacksonville VA lenders (with over 10 loans originated) are
Lakeview Community Capital, LLC ($5,465), DHI MORTGAGE COMPANY, LTD. ($5,730), AMERICAN FINANCIAL NETWORK, INC. ($5,735), HOMEAMERICAN MORTGAGE CORPORATION ($5,894) and PULTE MORTGAGE LLC ($6,363).
The lowest rate Jacksonville VA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (4.80%), EAGLE HOME MORTGAGE, LLC (4.86%), HOMEAMERICAN MORTGAGE CORPORATION (4.90%), INSPIRE HOME LOANS INC. (5.16%) and FBC MORTGAGE, LLC (5.17%).
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%) | 0.94 | 9,001 |
| 2025-04-01 | $399,995 (-4.8%) | $576,635 (-3.4%) | 0.93 | 9,676 |
Jacksonville's median listing price comes in at 93% of the national average.
Jacksonville's average listing price for 2025-04-01 was $576,635, a difference of $-20,401 (-3.4%) versus the prior year and $6,016 versus the prior month.
For the 2025-04-01 period, Jacksonville had 9,676 MLS listings, a difference of 675 listings (7%) versus the prior month and 2,518 listings (35%) 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 | 57 days | 1,735 sqft |
| 2025-04-01 | 57 days | 1,759 sqft |
Jacksonville's median square footage for active listings during the 2025-04-01 period was 1,759 sqft. One year prior, the average listing was 1,808 sqft.