Home Sales in Jacksonville Florida: A Fall 2026 Update

Home sales in Jacksonville have moved into a more balanced phase heading into fall 2026. Buyers have more choices than they did during the most competitive years of the market, while sellers need to pay closer attention to pricing, condition and competing inventory.

Mortgage rates are also shaping affordability. Freddie Mac reported an average 30-year fixed mortgage rate of 7.03% on September 24, 2026, reinforcing the importance of comparing the full monthly payment rather than focusing only on the purchase price.

Here is where the Jacksonville housing market stands heading into fall 2026 and what current conditions may mean for buyers and sellers.

• Duval County median single-family price: $335,000 in August 2026
• Duval County median days on market: 25 days
• Duval County inventory: 3.4 months of single-family supply
• Northeast Florida regional inventory: 3.6 months of supply
• Average 30-year fixed mortgage rate: 7.03% as of September 24, 2026

Jacksonville Home Prices in Fall 2026

According to the Northeast Florida Association of REALTORS®, the median price for single-family homes in Duval County was $335,000 in August 2026, unchanged from July.

That countywide median is useful for understanding the broader market, but Jacksonville contains a wide range of neighborhoods and property types. Waterfront homes, beach communities, historic neighborhoods, suburban subdivisions and entry-level homes can behave very differently from the county average.

Across the six-county Northeast Florida region, the August median single-family price was $397,420. St. Johns County remained substantially higher at $573,250, while Clay County reported a median of $369,000.

For a closer look at Jacksonville pricing trends, see our guide to Duval County home prices in 2026.

Inventory Gives Jacksonville Buyers More Choice

Duval County had 3,057 active single-family listings in August, representing a 3.4-month supply. Across the broader Northeast Florida region, active inventory totaled 6,103 homes, or about 3.6 months of supply.

That is a very different environment from the extremely tight inventory of the pandemic-era market. Buyers generally have more opportunity to compare properties, evaluate condition and consider competing listings before making a decision.

NEFAR has described the current Northeast Florida market as more balanced, with buyers gaining options while sellers face a market that requires greater flexibility and patience.

You can browse current Jacksonville homes under $400,000 with three or more bedrooms to see how much inventory is currently available in that price range.

How Long Are Jacksonville Homes Taking to Sell?

In August 2026, single-family homes in Duval County spent a median of 25 days on the market. Across Northeast Florida, the regional median was 31 days.

Those figures do not mean every home will sell within a month. Property condition, neighborhood, price range, insurance considerations and competition from nearby listings can all influence how quickly a home attracts an offer.

For sellers, the current market places more importance on positioning the property correctly from the beginning. Buyers have more alternatives than they did a few years ago, so an overpriced home can lose attention quickly when comparable properties offer better value.

Mortgage Rates Are Affecting Buying Power

Freddie Mac reported an average 30-year fixed mortgage rate of 7.03% as of September 24, 2026. The previous week’s average was 6.95%.

Even a relatively small change in mortgage rates can affect the monthly principal-and-interest payment and the amount a buyer may qualify to borrow. The actual mortgage rate available to an individual buyer also depends on factors such as credit, loan type, down payment and lender pricing.

Our guide to how much house you can afford in Jacksonville can help buyers think through the complete monthly cost, and our Jacksonville mortgage rate and payment guide explains how rate changes affect payments.

What Buyers Should Know About the Jacksonville Market

Current conditions give many Jacksonville buyers more room to compare homes than they had during the most competitive years of the market.

That can create opportunities to evaluate:

• Price relative to recent comparable sales
• Roof, HVAC, plumbing and electrical condition
• Homeowners and flood-insurance costs
• Seller-paid closing costs where negotiated
• Repair requests after inspection
• HOA or CDD obligations
• Commute and school-zone considerations

Buyers should still be prepared before shopping. A mortgage pre-approval, insurance estimates and a realistic monthly budget make it easier to compare properties on total cost rather than list price alone.

Should You Wait for Mortgage Rates to Fall?

There is no single answer that works for every buyer.

Waiting for lower rates could reduce borrowing costs if rates decline, but future rates and future home prices are uncertain. Inventory, seller competition and buyer demand can also change at the same time.

A more useful question is whether the current payment, cash requirement and expected ownership costs work for your finances today. Buyers should avoid assuming that refinancing later is guaranteed, since future interest rates, home values, credit qualifications and lending standards cannot be known in advance.

What Jacksonville Sellers Should Know

Jacksonville sellers are competing in a market where buyers have more choices. Pricing and presentation therefore matter more than they did when inventory was extremely limited.

Before listing, sellers should compare:

• Recent closed sales
• Current competing listings
• Pending sales where information is available
• Property condition
• Insurance-sensitive features such as roof age
• Price reductions on competing homes
• New-construction competition in the immediate area

Professional photography, accurate pricing and a well-prepared property can help a listing compete, but there is no universal number of days in which a properly priced home should sell. Neighborhood conditions and price ranges can differ substantially across Jacksonville.

Is Jacksonville a Buyer’s or Seller’s Market in Fall 2026?

Current Northeast Florida conditions are better described as balanced than strongly tilted toward either buyers or sellers.

NEFAR reported 3.4 months of single-family supply in Duval County and 3.6 months across the six-county region in August. Buyers have more selection and negotiating flexibility than during the lowest-inventory years, while properly priced homes continue to attract demand.

The balance can vary significantly by neighborhood and price range, so a citywide or countywide statistic should not replace a property-specific analysis.

Frequently Asked Questions

What is the median home price in Jacksonville in fall 2026?

NEFAR reported a median single-family sale price of $335,000 in Duval County for August 2026. Individual Jacksonville neighborhoods can differ substantially from that countywide figure.

How much housing inventory does Jacksonville have?

Duval County had a 3.4-month supply of single-family homes in August 2026. Across the broader Northeast Florida region, the supply was 3.6 months.

How long are Jacksonville homes taking to sell?

The median time on market for Duval County single-family homes was 25 days in August 2026. Actual selling time varies by price, neighborhood, condition and competition.

What is the current 30-year mortgage rate?

Freddie Mac reported an average 30-year fixed mortgage rate of 7.03% as of September 24, 2026. Individual borrowers may receive higher or lower rates depending on their loan, credit and financial profile.

Is Jacksonville a buyer’s market right now?

The broader Northeast Florida market is currently better described as balanced. Buyers have more inventory and negotiating flexibility than during the most competitive years, but conditions vary by neighborhood and price range.

Should I wait for mortgage rates to drop before buying?

That depends on your finances, timeline and housing needs. Future mortgage rates, prices and inventory cannot be predicted with certainty, so buyers should focus on whether the current total monthly payment and ownership costs fit their budget.

Explore the Jacksonville Real Estate Market

For neighborhoods, buyer resources and local market information, explore our Jacksonville real estate and neighborhoods guide.

You can also use our home search tool to browse current listings or contact DJ & Lindsey Real Estate for a property-specific market analysis.

Market statistics reflect NEFAR’s August 2026 single-family housing report. Mortgage-rate information reflects Freddie Mac’s September 24, 2026 Primary Mortgage Market Survey. Market conditions and mortgage rates can change, and property-level conditions may differ from countywide figures.