Northeast Florida

Duval County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Jacksonville, Jacksonville Beach, Atlantic Beach and across Duval County.

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Duval County snapshot

Median home price

$310,000

Population

1,010,000

FHA loan limit (1-unit)

$524,225

County seat

Jacksonville

Duval / Jacksonville is one of Florida's most affordable major metros. VA loans are heavily used here thanks to NAS Jacksonville and Mayport, and Hometown Heroes works for Duval County Public Schools staff.

Today's example payments

Monthly payment on a $310,000 Duval County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$2,441

Rate (mid): 6.520%
Down payment: $15,500 (5.0%)
Loan amount: $294,500

5% down · PMI applies

FHA

Monthly payment

$2,398

Rate (mid): 6.145%
Down payment: $10,850 (3.5%)
Loan amount: $299,150

3.5% down · MIP included

VA

Monthly payment

$2,439

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $310,000

0% down · no PMI

Hometown Heroes

Monthly payment

$2,489

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $310,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.