Neptune Beach, Florida.
Typical home $790,947 (+7.6% in a year), asking rent $2,897 (+7.2%). Jacksonville, FL metro.
to buy the typical home at today's mortgage rate — +$2,508 (+153%) since Jan 2020.
- 1 year
- Up $55,718 +8%
- $735,228$790,947 since Sep 2025
- 5 years
- Up $192,245 +32%
- $598,702$790,947 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.
- Neptune Beach$4,151
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Neptune Beach, FL rose 7.6% over the past year — faster than the nation's +1.2%.
Asking rents in Neptune Beach, FL rose 7.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in Neptune Beach runs $2,593/mo more than renting one. The gap peaked at $2,781 in May 2024.
That is $5,490 a month against $2,897 rent: a $4,151 mortgage payment, plus $492 property tax and $847 insurance & upkeep.
Owning vs renting — Neptune 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$5,490
- Renting$2,897
- Mortgage only$4,151
Property tax · $492/mo 0.75% of value a year — the ACS 2020-2024 median bill over the median home value for Duval County, FL
Insurance & upkeep · $847/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 Neptune Beach, Duval County, Florida
Neptune Beach is a city of 7,217 people in Duval County. Half its households earn more than $119,294 a year and half less, against $71,277 across Duval County; 3% of its people live below the poverty line. 73% of its homes are lived in by their owners and 27% 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 professional services.
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. Neptune Beach is a small coastal city in Duval County, with a population that skews somewhat older than a typical American town. Household incomes run well above the county's, far fewer residents live in poverty than elsewhere in the county, and most homes are lived in by their owners. Homes and rents are expensive, and a four-year degree is common among adults. Winters are mild and summers are hot, with little or no snow and a good deal of rain through the year.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in shops, and in banks, insurance and property. Across Duval County, some of the biggest workplaces are Duval Schools, Baptist Medical Center and UPS. A fair number of people work from home, and the typical commute is a short one.
Things to do. Adventure Landing, an amusement park, is in or beside town. A short drive away are Fort Caroline, a historic fort, and Fort George Island Cultural State Park, a protected area. A longer drive takes you to the Cummer Museum of Art and Gardens, a museum.
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- 3,229households
- 61%of adults have a degree
- 3%below the poverty line
- 22 mintypical commute
- 27%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, 2 miles away (NOAA).
Largest workplaces in Duval County
- Duval SchoolsSchool district11,094FTE
- Baptist Medical CenterGeneral hospital7,078FTE
- First Coast Security ServicesSecurity guard services5,108
- Miller - Jacksonville HQLow voltage electrical work4,859
- Shands Jacksonville Medical CenterGeneral hospital4,582FTE
- UPSCouriers and express delivery services4,315
- AmazonGeneral warehousing and storage4,123
- Johnson JohnsonMed tech vision2,896
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 1,031 workplaces with 20 or more staff, 176,808 people in all across the county; Neptune Beach has two of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. 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
- HurricanesRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Neptune 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.
Neptune Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Neptune Beach$790,947
- 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 3 Neptune 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.
- Neptune Beach31.33%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Neptune Beach43
New listings per month
Sellers arriving at the market.
- Neptune Beach9
Zip codes with a Neptune Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Neptune Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.