Jacksonville, FL Mortgage Calculator
In Jacksonville, Florida, the median home is around $310,000. With 20% down at 6.85% and Florida's ~0.91% effective property-tax rate, the all-in monthly payment is roughly $1,950.54 including principal, interest, property tax, and insurance.
Payment breakdown
- Principal & interest$1,625.04
- Property tax$284.17
- Home insurance$90.42
Balance over time
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $2,593 | $16,908 | $245,407 |
| 2 | $2,776 | $16,724 | $242,631 |
| 3 | $2,972 | $16,528 | $239,659 |
| 4 | $3,183 | $16,318 | $236,476 |
| 5 | $3,408 | $16,093 | $233,068 |
| 6 | $3,648 | $15,852 | $229,420 |
| 7 | $3,906 | $15,594 | $225,514 |
| 8 | $4,182 | $15,318 | $221,331 |
| 9 | $4,478 | $15,022 | $216,853 |
| 10 | $4,795 | $14,706 | $212,058 |
| 11 | $5,134 | $14,367 | $206,925 |
| 12 | $5,497 | $14,004 | $201,428 |
| 13 | $5,885 | $13,615 | $195,543 |
| 14 | $6,301 | $13,199 | $189,242 |
| 15 | $6,747 | $12,754 | $182,495 |
| 16 | $7,224 | $12,277 | $175,271 |
| 17 | $7,734 | $11,766 | $167,537 |
| 18 | $8,281 | $11,220 | $159,256 |
| 19 | $8,866 | $10,634 | $150,390 |
| 20 | $9,493 | $10,007 | $140,897 |
| 21 | $10,164 | $9,336 | $130,732 |
| 22 | $10,883 | $8,618 | $119,850 |
| 23 | $11,652 | $7,848 | $108,198 |
| 24 | $12,476 | $7,025 | $95,722 |
| 25 | $13,358 | $6,143 | $82,364 |
| 26 | $14,302 | $5,198 | $68,062 |
| 27 | $15,313 | $4,187 | $52,749 |
| 28 | $16,396 | $3,105 | $36,353 |
| 29 | $17,555 | $1,946 | $18,799 |
| 30 | $18,799 | $705 | $0 |
Frequently asked questions
What's a typical mortgage payment in Jacksonville, FL?
On a median Jacksonville home (about $310,000) with 20% down at 6.85%, the full monthly payment is roughly $1,950.54 — principal, interest, Florida property tax, and insurance.
How much do you need to earn to buy a home in Jacksonville?
Using the 28% housing rule, a $1,950.54 payment fits an income near $83,595 a year, before accounting for your other debts.
What are property taxes like in Jacksonville?
Florida's effective property-tax rate averages about 0.91% of home value — roughly $2,821 a year on a $310,000 home. Local rates vary by county and city assessment.
Sources: Freddie Mac Primary Mortgage Market Survey; Tax Foundation — Property Taxes by State; Consumer Financial Protection Bureau.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.