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Florida Mortgage Brokerage

Nassau County

Mortgage options in Nassau County

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

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Market data

The Nassau County 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 Nassau County

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. Nassau is the thinnest of the Jacksonville MSA counties published here by reported volume: 3,006 originations in 2025, against 6,081 in Clay and 11,151 in St. Johns. Thin volume is an appraisal consideration before it is anything else, because fewer recent comparable sales make for a slower and less predictable appraisal.

  2. VA outnumbers FHA here by a wide margin — 572 against 378, or 19.0% of reported originations against 12.6%.

  3. USDA deserves tempering rather than promotion in this county. Rural Housing Service and Farm Service Agency loans together accounted for 11 of Nassau County's 3,006 reported originations in 2025. The programme exists here and eligibility is determined address by address against USDA's own maps, not by county, so a neighbouring house can qualify where another does not.

  4. A flood zone is a property-level determination made at an address, not a characteristic of a stretch of coast. Being near water does not place a house in a particular zone and being inland does not keep it out of one; the determination for the specific parcel is what the lender and the insurer both work from.

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.