Neptune Beach, FL—32266
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Neptune Beach, FL
As of Oct '25, the median home price in Neptune Beach, FL is $739,000, with a year-over-year change of 0.7%. This indicates that home prices in Neptune Beach, FL are flat. According to Zillow, the 1-year price projection is 1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $739,000 | 0.7% |
| Single Family | $741,000 | 0.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $457,000 | -2.4% |
3 Bed | $692,000 | -0.7% |
4 Bed | $904,000 | 0.4% |
| 5 Bed | $1,396,000 | 1.6% |
% of Housing Stock
Rental Trends — Neptune Beach, FL
As of July '25, Rentcast reports the average rent in Neptune Beach, FL is $2,880, with a year-over-year rent change of -15.3%. Per bedroom, the median rent as of July '25 in Neptune Beach, FL is studios: $1,450, 1-bedrooms: $1,600, 2-bedrooms: $2,540, 3-bedrooms: $4,150, 4-bedrooms: $5,000. The most common rental property sizes in Neptune Beach, FL are 2-bedroom and 1-bedroom, accounting for 47.2% and 22.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,500 | $2,880 |
| Studio Rent | $1,250 | $1,450 |
| 1 Bed Rent | $1,410 | $1,600 |
| 2 Bed Rent | $2,450 | $2,540 |
| 3 Bed Rent | $3,350 | $4,150 |
| 4 Bed Rent | $5,000 | $5,000 |
% of Rental Stock
Property Listings — Neptune Beach, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Neptune Beach, FL is 96. This is a increase of 45.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $950,000 | -26.0% |
Listing Count | 32 | 27.0% |
| Listings as % of Homes | 0.7% | 27.0% |
Days on Market | 96 | 45.0% |
Demographics — Neptune Beach, FL
As of the latest ACS Survey released in 2023, Neptune Beach, FL has a population of 7,200, which has increased by 1.7% over the past 5 years. Neptune Beach, FL is a less popular place for families, as children make up 14.6% of the population. The area has a highly educated workforce, with 59.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 23.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,200 | 1.7% |
% Under 18 | 14.6% | -21.1% |
% Seniors | 20.7% | 36.2% |
% WFH | 23.0% | 210.8% |
% w/ College Degree | 59.6% | 14.2% |
As of the latest ACS Survey released in 2023, Neptune Beach, FL is a predominantly white area, with 91.6% of the population identifying as white. The white population has grown by 1.0% in the last 5 years. The second most common race or ethnicity in Neptune Beach, FL is hispanic, making up 5.6% of the population. Foreign-born residents account for 3.7% of the population in Neptune Beach, FL, and this percentage has decreased by 9.8% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.6% | 1.0% |
% Black | 0.0% | -100.0% |
% Hispanic | 5.6% | 43.6% |
% Asian | 0.4% | -71.4% |
% Foreign Born | 3.7% | -9.8% |
Mortgage and Risk — Neptune Beach, FL
According to HUD data as of 2023, there were 140 mortgage originations in Neptune Beach, FL, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 51.0%, with 14.0% above 90% LTV (elevated). This implies medium mortgage risk in Neptune Beach, FL. Investor activity is low, as 1.0% of loans were by investors. 24.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 140 |
% Conventional Loans | 89.0% |
% Government Loans | 11.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 24.0% |
Loan Activity
Rentals and Section 8 — Neptune Beach, FL
As of 2024, the percent of homes in Neptune Beach, FL under the Section 8 program is 0.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Neptune Beach, FL, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | 0.1% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $220 | $1,410 | $1,630 |
| 2 Bedroom | -$510 | $2,450 | $1,940 |
| 3 Bedroom | -$920 | $3,350 | $2,430 |
| 4 Bedroom | -$1,930 | $5,000 | $3,070 |
Affordability — Neptune Beach, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.5 |
| Median Home Price | $739,000 |
| Median Household Income | $111,000 |