Market Overview
Home Prices in Neptune Beach, FL
The median home value in Neptune Beach, FL is $797,737 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.4% compared to a year ago and up 2.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Neptune Beach are priced95% above average. Neptune Beach is part of the Jacksonville, FL metro area.
Over the past five years, Neptune Beach home values have risen by approximately36.2%, reflecting strong long-term appreciation in this market.
Price History
Neptune Beach Home Price Trend
City Comparison
Neptune Beach vs. National Median
At $797,737, homes in Neptune Beach cost 95% above the national median of $410,000. Buyers in Neptune Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Neptune Beach?
20% Down Payment
$159,547
on $797,737
Monthly P&I
$4,161/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,284/mo
incl. taxes & insurance
Income Needed
$211,360
gross annual (30% rule)
10% Down Option
$79,774
+ PMI applies
Loan Amount (20% dn)
$638,190
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Neptune Beach, FL?
The median home value in Neptune Beach is $797,737 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.4% year-over-year.
How much have home prices changed in Neptune Beach?
Over the past year, home values in Neptune Beach have increased by 4.4%. Over five years, prices have risen approximately 36.2%.
How much do I need to earn to buy a home in Neptune Beach?
To comfortably afford the median home price of $797,737 with a 20% down payment ($159,547) at today's rates (6.8%), you'd need a gross annual income of approximately $211,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Neptune Beach compare to the national average home price?
The national median home value is approximately $410,000. At $797,737, homes in Neptune Beach are 95% above the national average.
What metro area is Neptune Beach part of?
Neptune Beach is part of the Jacksonville, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.