Atlantic Beach, Florida.
Typical home $686,763 (+3.1% in a year), asking rent $2,591 (+5.9%). Jacksonville, FL metro.
to buy the typical home at today's mortgage rate — +$2,060 (+133%) since Jan 2020.
- 1 year
- Up $20,531 +3%
- $666,232$686,763 since Sep 2025
- 5 years
- Up $145,089 +27%
- $541,673$686,763 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Atlantic Beach$3,605
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Atlantic Beach, FL rose 3.1% over the past year — faster than the nation's +1.2%.
Asking rents in Atlantic Beach, FL rose 5.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Atlantic Beach runs $2,176/mo more than renting one. The gap peaked at $2,484 in Jan 2025.
That is $4,767 a month against $2,591 rent: a $3,605 mortgage payment, plus $427 property tax and $735 insurance & upkeep.
Owning vs renting — Atlantic Beach
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,767
- Renting$2,591
- Mortgage only$3,605
Property tax · $427/mo 0.75% of value a year — the ACS 2020-2024 median bill over the median home value for Duval County, FL
Insurance & upkeep · $735/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Atlantic Beach, Duval County, Florida
Atlantic Beach is a city of 13,513 people in Duval County. Half its households earn more than $118,935 a year and half less, against $71,277 across Duval County; 8% of its people live below the poverty line. 74% of its homes are lived in by their owners and 26% are rented. Unemployment in Duval County was 4.9% in August 2026, and the county had 0.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then finance and property.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Atlantic Beach is a coastal city in Duval County where the population skews older than in many places, and most homes are lived in by their owners. Household incomes run well above the county's, and a large share of adults hold a four-year degree. Homes here are costly, and rents are high as well, so living in town tends to suit people who already own or have built up some savings.
Work. Many residents work in schools, hospitals and social care, in banks, insurance and property, or in professional and business services. A good number work from home, and the typical commute is a fairly short one. Among the larger workplaces in town are Jacksonville Atlantic Beach, a mail and parcel delivery operation, and TCI Mechanical, which does ship repair in a shipyard.
Things to do. Kathryn Abbey Hanna Park is a beach in or beside town. A short drive away are the Timucuan Ecological and Historic Preserve, a protected area, and Fort Caroline, a fort. Winters are mild and summers are hot, with little or no snow and a fair amount of rain through the year.
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- 5,941households
- 57%of adults have a degree
- 8%below the poverty line
- 26 mintypical commute
- 23%work from home
What residents work in
Employed residents by industry, from the Census survey. Duval County had 561,407 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 65° and lows near 49°; warmest in July, with highs near 89° and lows near 77°. About 52 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Jacksonville Beach weather station, 4 miles away (NOAA).
Largest workplaces in Atlantic Beach
- Jacksonville Atlantic BeachMail and parcel delivery90
- Norlee Group InvestmentsLow voltage electrical work32
- TCI MechanicalShip repair done in a shipyard30
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 152 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- Hurricanesrelatively high in parts of Atlantic BeachRelatively moderate
- HailRelatively moderate
- LightningRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Atlantic Beach’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Duval County and the Jacksonville, FL metro.
Atlantic Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Atlantic Beach$686,763
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 Atlantic Beach listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Atlantic Beach21.23%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Atlantic Beach71
New listings per month
Sellers arriving at the market.
- Atlantic Beach18
Median sale price
What buyers actually paid — closed sales, not asking prices.
Not enough data to draw this yet.
Zip codes with a Atlantic Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Atlantic Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.