The median home in Neptune Beach, Florida is valued at $741,596, up 1.0% year over year. Typical monthly rent is $2,550, producing a price-to-rent ratio of 24.2x — well above the national average of 18x. Neptune Beach is part of the Jacksonville, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$741,596

+1.0%

Rent$2,550/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Neptune Beach.

Income (annual)

Down Payment

$148,319 on $741,596

Example: $75,000 household income. Change it above to see your own.

Out of reach74.1% of income

Need $198,471/yr to afford.

PITI$4,631

P/I74.1%

Afford$280K

Gap-$461K

P&I $3,750Tax $531Ins $350

Renting $2,081/mo cheaper ($2,550 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Neptune Beach with other housing markets across Florida.

Jupiter Island$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

Full Jacksonville, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Jacksonville, FL metro.

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Neptune Beach, FL