Real Estate Investing in Jacksonville Beach, Florida (32250)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Duval County • Population: 28,738 • Data updated: September 2026

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Should you buy in 32250 (Jacksonville Beach, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 13.2% of homes vacant — above national norms.

What’s happening in Jacksonville Beach, FL (32250)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $637,813
Avg Monthly Rent $2,363
1% Rule ✗ Does Not Meet
Median Income $104,943
% Renters 32.5%

Market Analysis: 32250 Jacksonville Beach

The 32250 ZIP covers a section of Jacksonville Beach that demands careful diligence. Prices near $638K look accessible, but the work to make a deal cash flow is real.

The investment case in 32250 is substantial only for operators who understand what they are buying. A $638K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Within FL, ZIP 32250 trails on several market indicators that neighboring Duval County submarkets outperform. The gap is real and healthy enough to shape underwriting.

Who lives in 32250 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Jacksonville Beach's stable or hybrid ZIPs before stepping into 32250. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Jacksonville Beach:

C+ Average
Buy Confidence Score: 61/100
Affordability
5/25
Appreciation
18/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.1× the median income
Value Trend
Stable (+2.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,363/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Jacksonville, FL Metro Area
More inventory, negotiating room for buyers
81 days
Average time to sell
Slow
9.3%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Jacksonville, FL metro data
🏠

Property Strategy for 32250

Which property type performs best in this market?

Best for Cash Flow
1BR
4.6% cap rate
Best for Appreciation
4BR
+9.7% 5yr CAGR
Best Overall Value
3BR
$207,835/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $290,981 $1,840 4.6% +6.2% $290,981
2BR $461,633 $2,210 3.4% +6.2% $230,816
3BR $623,506 $2,720 3.1% +8.2% $207,835
4BR $889,906 $3,410 2.8% +9.7% $222,477
5BR $1,206,574 +9.5% $241,315

Market Trends

Home Value History (with trend line)

$690K$594K$498K$401K$305K$209KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,474$2,211$1,947$1,684$1,420$1,157Jul 2016Jul 2021Jul 2026

📊 How Does 32250 Compare?

Metric 32250 Jacksonville Beach Jacksonville, FL Florida
Home Value $637,813 $637,813 N/A $374,697
5-Year CAGR 4.4% 4.4% N/A 7.4%
Avg Rent $2,363 $2,363 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 32250? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 32250 (Jacksonville Beach, FL). Anonymous, moderated, never written by AI.

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Property managers serving Duval County

Manage rentals here? List your business →

Community Management Concepts of Jacksonville, an Associa Member Company, offers HOA property management, professional maintenance, real estate, developer, financial, technology, and lifestyle service summary from their website

HOACommercial
Unclaimed — is this your business? Claim it free

First Coast Association Management provides HOA management services in Jacksonville, FL. summary from their website

HOA
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Real Property Management Jacksonville Metro offers property management services for single homes, multiple homes, apartment complexes, and institutional portfolios, with a focus on cost-effective fees summary from their website

Single-familySmall multifamily
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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+4.4%
Moderate

📉 Market Crash Risk Index

Based on Jacksonville, FL metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
67%
Days Pending
2/2
81 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $637,813
Monthly Rent $2,363
Price-to-Rent 22.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.4%
Cap Rate 2.9%
5-Year IRR 7.3%

📈 Home Appreciation

1-Year +2.0% ▲
3-Year CAGR 0.0% ▼
5-Year CAGR +4.4% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year +7.4% ▲
3-Year CAGR +3.6% ▲
5-Year CAGR +5.5% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
13.2%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 32250

Population: 28,738

💰 Median Household Income
$104,943
This area
$104,943
State
$70,737
USA
$74,580
🏠 Renter Occupied
32.5%
This area
32.5%
State
29.9%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-18.0%
USA
3.7%
🎓 College Educated
53.9%
This area
53.9%
State
4.7%
USA
33.7%
👤 Median Age
42.9 years
This area
42.9 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
13.2%
This area
13.2%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 87.1%
Other/Mixed 8.2%
Hispanic/Latino 5.1%
Black/African American 3.1%
Asian 1.6%
👶 Under 18
18.2%
This area
18.2%
USA
22.0%
👴 65 and Over
20.1%
This area
20.1%
USA
17.3%
📊 Poverty Rate
4.7%
This area
4.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 32250

B Avg School Grade
4 Schools
18.4:1 Avg Class Size
$11,534 Avg Per Pupil

Schools in This ZIP Code

B Good

SAN PABLO ELEMENTARY SCHOOL

📚 K – 05 Elementary
👥
501 Students
👨‍🏫
17.3:1 Class Size
💰
$11,534 Per Student
B Good

SEABREEZE ELEMENTARY SCHOOL

📚 K – 05 Elementary
👥
509 Students
👨‍🏫
17.0:1 Class Size
💰
$11,534 Per Student
B Good

JACKSONVILLE BEACH ELEMENTARY SCHOOL

📚 K – 05 Elementary
👥
626 Students
👨‍🏫
18.4:1 Class Size
💰
$11,534 Per Student
C+ Average

DUNCAN U. FLETCHER MIDDLE SCHOOL

📚 06 – 08 Middle
👥
1,204 Students
👨‍🏫
21.1:1 Class Size
💰
$11,534 Per Student

Nearby Schools (2 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

NEPTUNE BEACH ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 1515 FLORIDA BLVD, NEPTUNE BEACH
👥
825 Students
👨‍🏫
14.2:1 Class Size
💰
$11,534 Per Student
C Below Average

DUNCAN U. FLETCHER HIGH SCHOOL

📚 09 – 12 High School
📍 700 SEAGATE AVE, NEPTUNE BEACH
👥
2,192 Students
👨‍🏫
23.8:1 Class Size
💰
$11,534 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 1,612 Off-Campus Students
B
University of North Florida
16,453 students · 5.9 mi
C
Paul Mitchell the School-Jacksonville
117 students · 7.1 mi
C
Tulsa Welding School-Jacksonville
949 students · 9.0 mi
D
Tulsa Welding School-Jacksonville
394 students · 9.3 mi
C+
Shear Finesse Beauty Academy
31 students · 9.3 mi
C
Jones Technical Institute
522 students · 10.2 mi
F
Concorde Career Institute-Jacksonville
140 students · 10.6 mi
D
Chamberlain University-Florida
839 students · 10.8 mi

Investor Insight: With 1,612 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Does Jacksonville Beach, FL make sense for an investment property?

Jacksonville Beach, FL rates 3.0/5 for investability. With median values at $638K and rents near $2,363/mo, the market offers reasonable fundamentals for rental investors.

Is vacancy a concern in Jacksonville Beach, FL?

Vacancy risk in Jacksonville Beach, FL is elevated. That supports consistent cash flow for typical rental holds.

What is the typical renter like in Jacksonville Beach, FL?

Working renters make up the core of the Jacksonville Beach, FL tenant base. The pool is reasonable for investors targeting long-term holds.

Does house hacking work in Jacksonville Beach, FL?

Jacksonville Beach, FL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $2,363/mo rent level.

How much rent can I charge in Jacksonville Beach, FL?

Expect rents around $2,363/mo per month in Jacksonville Beach, FL. With home values at $638K, the yield math works out to reasonable levels for rental investors.

You know 32250 now. You don’t know where it ranks.

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How 32250 ranks in Jacksonville, FL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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