Whether you’re considering a career pivot to real estate or are trying to grow your existing business, it’s critical that you know the ins and outs of each neighborhood in your targeted area. If you’re a current or aspiring agent in Northeast Florida, this guide will help you navigate the Jacksonville, FL real estate market in 2025.
Jacksonville continues to attract new residents with its affordable cost of living, diverse neighborhoods, and strong job market. As a real estate professional, understanding the nuances of this dynamic market is essential for your success in 2025.
Key Takeaways
- Market Dynamics Are Shifting: Jacksonville’s median home price is $303,000, down 2.3% year-over-year as of July 2025, with homes selling after an average of 69 days on the market.
- Neighborhood Opportunities Vary Widely: Areas like Avondale, Mandarin, San Marco, and Arlington offer diverse price points and buyer demographics, from luxury coastal properties to affordable first-time buyer options.
- Climate Risks Impact Investment Decisions: Close to 25% of Jacksonville properties face moderate flood risk, affecting insurance costs and buyer decisions in certain neighborhoods.
- Migration Patterns Favor Jacksonville: The city ranks 9th nationwide for relocation interest, with significant inflows from Miami, New York, and Washington D.C. (Redfin).
- Agent Success Requires Strategic Focus: To succeed, target neighborhoods based on market demand, growth trends, and your specific expertise, rather than just home values.
An Overview of Jacksonville, FL in 2025
As the largest city by land area in the continental U.S., Jacksonville offers a unique mix of urban convenience and natural beauty, making it a top destination for homebuyers and businesses. The city is a key economic hub in Florida, with major employers including CSX Corporation, Fidelity National Financial, and a strong presence in the military and logistics industries.
Jacksonville has been experiencing steady population growth, attracting new residents with its affordable cost of living, job opportunities, and desirable climate. According to Redfin’s migration analysis from June to August 2025, Jacksonville ranks 9th nationwide among cities where people are looking to relocate, with significant inflows from Miami, New York, and Washington, D.C.
The city is home to a diverse range of attractions, including the Jacksonville Jaguars and a growing arts and cultural scene featuring venues like the Cummer Museum of Art & Gardens and the Museum of Contemporary Art Jacksonville (MOCA). Outdoor recreation is one of Jacksonville’s biggest draws. With 22 miles of beaches, the city offers endless opportunities for surfing, fishing, and boating. The St. Johns River runs through the city, providing scenic waterfront views and recreational activities like kayaking and paddleboarding.
Key Jacksonville Stats:
- Unemployment Rate: 3.0% (September 2025)
- Average Household Income: $87,378 (World Population Review, 2025)
- Cost of Living: 8% lower than the national average (Redfin, 2025)
Overview of the Jacksonville Real Estate Market
The Jacksonville housing market is currently experiencing a moderate cooldown after years of growth. According to the latest data from Redfin, as of July 2025:
- Median Sale Price: $303,000 (down 2.3% year-over-year)
- Homes Sold: 1,179 (down 1.8% year-over-year)
- Median Days on Market: 69 (up 12 days year-over-year)
- Sale-to-List Price Ratio: 96.6% (down 0.79 points year-over-year)
- Homes Sold Above List Price: 14.0% (down 1.3 points year-over-year)
- Homes with Price Drops: 36.4% (down 5.4 points year-over-year)
- Average Real Estate Agent Income: $103,432 (Indeed, September 2025)
The Jacksonville market is described as “somewhat competitive” with a Redfin Compete Score of 41 out of 100. While these numbers show a cooling trend compared to the previous year, Jacksonville’s housing market remains more affordable than many other Florida metros, with the median sale price 32% lower than the national average.
Climate and Environmental Risks and How They Impact Jacksonville Housing
Jacksonville faces three main types of flooding: coastal, inland, and river flooding. According to Jacksonville.gov, 24% of properties in the city face moderate flood risk, with the most serious threat occurring during hurricane season (June through November).
Flood insurance is a separate policy from standard homeowners insurance and is becoming increasingly important for Jacksonville homeowners. According to NerdWallet, the average flood insurance policy in Florida costs $865 per year through the National Flood Insurance Program, though rates are rising.
Impact of hurricanes on the Jacksonville housing market
While Jacksonville is somewhat protected from direct hurricane hits compared to South Florida, the city still faces significant risks from storm surge and heavy rainfall. Hurricane insurance costs have been rising across Florida, with Jacksonville homeowners seeing premium increases of up to 226% in recent years.
These rising insurance costs are beginning to affect buyer behavior, with homes in higher-risk areas staying on the market longer. According to Cotality, hurricane risk is “distorting property markets” even in areas that historically haven’t seen frequent direct hits.
Impact of climate on real estate decisions
Climate risks are increasingly factoring into both buyer and seller decisions in Jacksonville:
- Properties in flood-prone areas may experience reduced demand and longer selling times.
- Insurance costs are becoming a significant factor in affordability calculations.
- Homes with hurricane mitigation features (impact windows, reinforced roofs) command premium prices.
- Buyers are increasingly requesting flood risk assessments before purchasing.
As an agent, you should be prepared to discuss these factors with clients and understand how environmental risks affect different neighborhoods throughout the city.
Current Home Prices in Jacksonville, FL: Trends and Affordability Analysis
Understanding these dynamics is essential for making informed decisions in today’s real estate market.
Median sale prices by neighborhood
Based on the latest data from September 2025, here are the average home values in key Jacksonville neighborhoods:
- Arlington: $204,216 (up 3.5% year-over-year)
- Avondale: $432,493 (up 0.3% year-over-year)
- Mandarin: $507,156 (up 2.3% year-over-year)
- Neptune Beach: $725,532 (up 2.9% year-over-year)
- San Marco: $362,100 (up 0.7% year-over-year)
These figures show that while the overall Jacksonville market has seen a slight decline, individual neighborhoods are performing differently, with some continuing to appreciate.
Affordability comparison
Jacksonville stands out as one of Florida’s most affordable major cities. With a median home price of $303,000, it’s far more budget-friendly compared to Miami (over $470,000) and Tampa (over $375,000). This affordability, combined with the absence of state income tax and a lower overall cost of living, makes Jacksonville an appealing destination for buyers migrating from pricier markets both within Florida and beyond.
Top Jacksonville Neighborhoods for Real Estate Agents
The ideal neighborhood for your real estate business in Jacksonville depends on your niche, target clientele, and areas of expertise. Here are some of the hottest neighborhoods in the Jacksonville real estate market worth considering in 2025:
Avondale, Florida
- Market Overview: Average home value $432,493 – up 0.3% YoY (Zillow, September 2025)
- Average Income of Real Estate Agents: $119,034 (Indeed, September 2025)
- Key Opportunities: Avondale is an artsy, walkable community with a range of rental properties and homes for sale to suit every budget. The Riverside-Avondale Historic District features beautifully preserved historic homes and bungalows, attracting buyers who appreciate character and walkability. St. Johns Avenue Corridor is a hub for boutique shops, cafes, and restaurants, making homes in this area particularly desirable.
Mandarin, FL
- Market Overview: Average home value $507,156 – up 2.3% YoY (Zillow, September 2025)
- Average Income of Real Estate Agents: $112,531 (Indeed, September 2025)
- Key Opportunities: Beauclerc is known for its spacious riverfront properties and mature oak-lined streets, appealing to luxury homebuyers and those seeking privacy. The Julington Creek Area is a mix of newer developments and established communities, making it ideal for families seeking top-rated schools and suburban convenience.
San Marco, Florida
- Market Overview: Average home value $362,100 – up 0.7% YoY (Zillow, September 2025)
- Average Income of Real Estate Agents: $89,443 (Indeed, September 2025)
- Key Opportunities: Granada is a sought-after area featuring historic homes and riverfront properties, attracting luxury buyers and professionals. Southbank is known for high-rise condos and mixed-use developments and appeals to young professionals and investors seeking rental income.
Neptune Beach, FL
- Market Overview: Average home value $725,532 – up 2.9% YoY (Zillow, September 2025)
- Average Income of Real Estate Agents: $162,021 (Indeed, September 2025)
- Key Opportunities: The Oceanfront District boasts premium waterfront properties and luxury beach homes that attract high-net-worth individuals seeking exclusivity and coastal living. Neptune by the Sea is a well-established community with charming single-family homes and easy beach access, offering opportunities for move-up buyers and vacation home seekers.
Arlington, FL
- Market Overview: Average home value $204,216 – up 3.5% YoY (Zillow, September 2025)
- Average Income of Real Estate Agents: $115,861 (Indeed, September 2025)
- Key Opportunities: University Park is a mix of mid-century homes and affordable single-family properties, making it ideal for first-time buyers and investors. Regency offers budget-friendly homes with easy access to Downtown Jacksonville. Fort Caroline is a historic neighborhood featuring larger homes and proximity to parks and the St. Johns River, attracting families and nature lovers.
Investment Opportunities in Jacksonville
Whether you are serving real estate investors or getting into the market yourself, it’s critical that you understand Jacksonville’s market.
Rental property trends
Jacksonville’s rental market remains strong in 2025, with increasing demand for both long-term and short-term rentals. According to Spectrum Realty Services, top investment neighborhoods include Jacksonville Beach, Ponte Vedra, Fleming Island, and St. Augustine—each offering a mix of strong rental income potential and local appeal.
Appreciation rates by neighborhood
While the overall market has seen a slight decline, several neighborhoods continue to show strong appreciation:
- Arlington: 3.5% year-over-year
- Neptune Beach: 2.9% year-over-year
- Mandarin: 2.3% year-over-year
These areas offer potential for both rental income and long-term value growth.
Emerging growth areas
Emerging neighborhoods with strong investment potential include:
- Bartram Park: Located in the rapidly growing southern part of Jacksonville
- Jacksonville Heights: Offering affordable entry points for investors
- Oakleaf Plantation: A newer community popular among families due to good schools and amenities
These areas are seeing new development and infrastructure improvements, making them attractive for long-term investment.
How to Choose the Right Neighborhood for Your Real Estate Business
Selecting the right neighborhood requires more than just looking at average sale prices. If every agent chose a market based solely on home values, high-end areas would be saturated with agents competing for the same clients.
Here are key factors to consider when determining the best area for your Jacksonville, FL, real estate business:
- Market Demand & Sales Activity: Target neighborhoods with strong buyer demand and a high volume of transactions. Review historical trends in home sales, price appreciation, and the average number of days a home remains on the market.
- Price Point: Decide whether you want to focus on luxury, mid-range, or entry-level properties. Higher-priced markets can yield larger commissions, while lower-priced areas often provide more frequent transactions.
- Growth & Development Trends: Look for areas with economic expansion, new construction, and infrastructure improvements. Proximity to job hubs, schools, and amenities can influence future property values.
- Target Client Demographics: Align your neighborhood selection with your ideal clientele, whether they are first-time buyers, investors, or luxury homebuyers. Research demographic trends, such as income levels, family size, and lifestyle preferences.
- Competition & Market Saturation: Assess the number of active agents and brokerages in the area. A highly competitive market can be challenging, while an underserved area may offer greater opportunities.
FAQs -Jacksonville Real Estate
Is now a good time to buy in Jacksonville?
Yes, for long-term buyers. With prices slightly down from their peak and inventory increasing, buyers have more options and negotiating power than in recent years. However, rising insurance costs should be factored into affordability calculations.
What are the average property taxes in Jacksonville?
Property taxes in Duval County average around 0.98% of a home’s assessed value, lower than the national average of 1.07%.
How does the Jacksonville rental market compare to homeownership?
The rental market remains strong, with average rents for 2-bedroom apartments around $1,400/month. This creates opportunities for both investors and renters who aren’t ready to buy.
What impact do flood risks have on insurance costs?
Flood insurance is separate from standard homeowners insurance and averages $865 annually in Florida, though costs vary significantly based on location and elevation. Properties in high-risk flood zones may see substantially higher premiums.
Which Jacksonville neighborhoods are best for first-time homebuyers?
Arlington, parts of the Southside, and Jacksonville Heights offer affordable entry points with average home values under $250,000, making them attractive for first-time buyers.
Ready to make your next move in Jacksonville’s thriving real estate market? With a comprehensive education and dedication to your success, you can achieve your career goals. Enroll with Gold Coast Schools today to get started!
Tips for Succeeding as a Real Estate Agent in Jacksonville
Is Jacksonville a good place to be a real estate agent? All indicators say “yes!” Here are some actionable tips for capitalizing on Jacksonville’s thriving housing market.
Specialize in high-growth neighborhoods
Jacksonville’s market is diverse, with opportunities in beachfront, historic, and suburban areas. To stand out, focus on high-demand neighborhoods like San Marco, Riverside, Neptune Beach, or Mandarin, depending on your niche.
Pro Tip: Stay informed on market trends, new developments, and property appreciation rates to establish yourself as a local expert.
Build your online presence
Boosting your online presence is key to success. Use SEO-optimized websites, social media marketing, and video content to attract buyers and sellers.
Pro Tip: Use AI tools to write blogs, optimize your website, and more. Obtaining a Real Estate AI Specialist certificate will help you improve efficiency and connect with potential clients on a more personal level.
Develop climate risk expertise
As insurance costs rise and buyers become more climate-conscious, agents who understand flood zones, hurricane risks, and mitigation strategies have a competitive advantage.
Pro Tip: Familiarize yourself with flood maps, insurance options, and home features that can reduce premiums to provide added value to clients.
Get the best education & training
Your success in real estate starts with a solid foundation. Choosing a high-quality real estate school, such as Gold Coast Schools, ensures that you receive the best training, exam preparation, and industry knowledge to launch your career. With over 50 years of experience educating Florida’s real estate professionals, Gold Coast offers flexible learning options in English and Spanish designed to fit your schedule. We offer courses in Jacksonville!
Pro Tip: Choose from in-person, livestream, or self-paced online pre-licensing courses to start your journey today!
Disclaimer: This report is informed by a blend of trusted perspectives, including insights from seasoned real estate instructors who serve as local experts and professionals deeply embedded in the Florida housing market. Complementing their expertise are data and trends drawn from leading real estate publications, comprehensive market analyses, and reputable industry reports. Together, these sources provide a well-rounded depiction of the Florida real estate landscape, ensuring that buyers, investors, and professionals alike have access to actionable and reliable information.
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