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Florida Mortgage Brokerage

Duval County

Mortgage options in Jacksonville

Published market figures for Jacksonville, with the source and period for each, and the loan programs most relevant here.

Last updated

Market data

The Jacksonville market, with its sources

Published figures for this market, each with the geography it measures, the period it covers and the source it came from. Where a figure covers a wider metro area than this page, it says so.

A median sale price is not a valuation, a closed-sales count is not a count of mortgages written, and neither is an indication of what any lender will approve. Figures are as reported on the date shown and are not updated continuously.

What is different here

What those figures mean in Jacksonville

Each point below reads the figures above rather than restating them. They are the things that are true of this market and not of Florida generally.

  1. NAS Jacksonville sits in Duval County on the west bank of the St. Johns River, about twenty minutes from downtown. DoD puts it at roughly 3,400 acres, more than 100 tenant commands and more than 21,000 active-duty and civilian personnel.

  2. Naval Station Mayport, at the mouth of the St. Johns River next to Atlantic Beach, is the third largest fleet concentration area in the United States and home to Commander, U.S. 4th Fleet.

  3. The 2026 conforming loan limit in Duval County is $832,750, while the September 2026 median single-family sale price across the Jacksonville MSA was $404,495. For a buyer with full VA entitlement the county figure is nowhere near binding — the appraisal and the lender's approval are what decide the loan amount.

  4. The beaches communities nearest Mayport are heavily condominium. VA will only finance a condo in a VA-approved project, so in those neighbourhoods the project's approval status can rule out a property before anything about the borrower is considered.

Written for this market

Loan programs covered for Jacksonville

Pages that go past the statewide explanation and into what a program means here.

Start here instead

Pathways that apply anywhere in Florida

These explain how each program works anywhere in Florida. The market pages above cover what changes locally.