North Jacksonville Home Prices: Honest November 2026 Update
Written by Chad Dennis, REALTOR® — MRP | CBA | CELA | CLHA | NHCP | CREN
eXp Realty · North Jacksonville Military Relocation Specialist · (904) 977-5509 · Last Updated: November 2026
Last month’s story was mortgage rates crossing 7%. This month’s question is whether they stay there. The Federal Reserve held its benchmark rate at 3.75%–4.00% on October 28 in a 10–2 vote, with two members dissenting in favor of another hike, and the 30-year fixed averaged 7.24% on October 29 — down from a 7.40% peak two weeks earlier, but well above the 6.17% a year ago. Locally, September’s numbers showed buyers feeling it: Duval County closed sales fell 9.1% to 830, inventory loosened to 3.8 months of supply (up from 3.4), and the median sale price still climbed to $345,000.
I publish this market update monthly because North Jacksonville home prices don’t move the same way Jacksonville Beach or San Marco prices do. This area has its own dynamics driven by military relocation, new construction, JAXPORT, and the airport corridor. Here’s what the data says heading into the holidays and the start of 2027.
Jacksonville Market Snapshot — Late Fall 2026
$345K
Duval County Median
Sale Price (+3.6% MoM)
3.8
Months of
Inventory
97.4%
Sale-to-List
Price Ratio
29–57
Median Days
on Market
North Jacksonville Home Prices by Zip Code
Not all of North Jacksonville moves at the same pace. Here’s how the key zip codes compare (latest Redfin zip-level data, three months of sales ending August 2026 — September zip-level figures aren’t published yet):
32226
Oceanway · The Cape · Black Hammock
~$403K
Median sale price
Down 4.1% YoY as the strong spring sales rolled out of the three-month window. Still North Jax’s highest-priced zip. Slowest to sell at ~80 days (up from 67 last year), and 44% of listings took a price cut. Homes sell at about 97.3% of asking. Small sample (~76 sales/month), so expect month-to-month swings.
32218
River City · Airport Corridor
~$320K
Median sale price
Essentially flat YoY (−0.7%), but this is North Jax’s strongest zip right now. Homes sell at 98.7% of asking, days on market dropped to ~56 (from 61 last year), and sales volume is up 1.9%. Highest new-construction volume.
32219
Garden City · Rural Northside
~$305K
Median sale price
Most affordable of the three. Down about 1% YoY. Homes take about 68 days to sell and close at roughly 99.4% of asking, though active listings sit longer. Acreage and equestrian properties create wider price swings. Buyer leverage is still strongest here.
What This Means for Sellers
If you’re thinking about selling a home in North Jacksonville this fall, here’s the honest take on where North Jacksonville home prices stand heading into winter:
The Good News
Prices are holding. The Duval County median sale price rose to $345,000 in September (up 3.6% from August), and well-priced homes are still going under contract in a median of 29 days. In 32218, sellers are getting 98.7% of asking, and 32219 is closing near 99.4%. Demand from military and relocating buyers hasn’t gone away — it’s just more payment-sensitive.
The Reality Check
Buyers pulled back. September closed sales fell 9.1% to 830, active inventory rose to 3,139 homes (3.8 months of supply), and the NEFAR affordability index slid to 82 from 86. At 7.24%, a buyer financing a $320,000 home pays roughly $180–$220 more per month in principal and interest than at last year’s 6.17%. Nearly 4 in 10 Jacksonville listings still took a price cut over the summer, and in 32226 it was closer to 44%. Overpricing costs more this winter than it did in the spring.
My Advice
Price at the market on day one, not above it hoping to “leave room.” With rates above 7%, buyers are shopping by monthly payment, so consider offering a seller-paid rate buydown instead of a price cut — it often moves a buyer’s payment more than the same dollars off the price. The first two weeks on market get the most eyes, and a home that sits 60+ days becomes a target for lowball offers. I use hyperlocal comparable data to price your home at the intersection of competitive and profitable.
What This Means for Buyers
Higher rates are the headline, but they also thin out the competition. If you’re watching North Jacksonville home prices before making an offer, here’s how to use this market:
Ask for a Rate Buydown
Instead of only negotiating price, ask the seller to pay points to buy down your rate. With rates near 7%, this can lower your monthly payment more than a price reduction of the same amount.
Shop 32226 and 32219 for Leverage
These two zips have the longest days on market (68–80 days) and the most price cuts. That’s where you’ll find the most motivated sellers. 32218 is tighter — expect to pay close to asking there.
Get Your Pre-Approval Refreshed
If you were pre-approved this summer, your buying power may have changed with rates about a point higher than a year ago. Have your lender re-run the numbers before you start touring.
Military Buyers: If you’re PCSing to NAS Jax or Mayport this fall or winter, ask your lender to compare VA rates against conventional — VA loans often price below conventional and require no down payment, which matters more when rates rise. I specialize in helping military families navigate Jacksonville — from pre-approval with VA lenders to closing.
What’s Next for North Jacksonville?
With the Fed on hold for now but a December hike possible, expect flat-to-modest price movement through the end of 2026 rather than sharp swings. Here’s what’s driving North Jacksonville specifically:
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Data Sources: Redfin, Zillow, Northeast Florida Association of REALTORS®, FRED Economic Data (St. Louis Fed), Freddie Mac PMMS. Market data reflects most recent available figures as of publication. For the most current data on a specific property or neighborhood, contact Chad Dennis at (904) 977-5509.
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