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Neptune Beach city, FL

ZIP 32266 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32266

Median Home Value
$613,500
Median Rent
$1,392
Affordability Snapshot
$169,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,941/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

36.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32266 in Neptune Beach city, FL, a household would need roughly $169,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,941. That is about 52% above the local median household income ($111,025), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.3%+10% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
94.6%+9% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$613,500
Home Value
$1,392
Rent
1973
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached62.5%
  • 1-unit attached11.1%
  • 2-9 units22.3%
  • 10+ units2.7%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$613,500
Median rent$1,392
Owner-occupied72.3%
Vacant13.4%
Price-to-income5.5x
Est. income to buy$169,000