Jacksonville and St. Johns County Home Prices: What July 2026's Data Means for You

Jacksonville's median single-family home price was $335,000 in July 2026, down 4% from June, while St. Johns County's median was $589,030, up 1.8%, according to the Northeast Florida Association of Realtors. Homes in Duval County are selling in a median of 28 days, and homes in St. Johns County in 33 days, both fast enough to call this a market that still favors sellers, even as buyers get more breathing room than they've had in years. If you're deciding whether to list or make an offer right now, the county you're looking at matters as much as the calendar.

I'm CC Underwood, working with buyers and sellers across Jacksonville, FL and St. Johns County, FL, and I want to walk through what this month's numbers actually mean if you're the one making the decision.

What's the median home price in Jacksonville right now?

Duval County's median single-family home price was $335,000 in July 2026, a 4% decrease from June, according to NEFAR's July market report. That's the lowest monthly figure the county has posted in a while, but it comes with a caveat: closed sales also fell 12.7% to 909 transactions, and new listings dropped 6.6% to 1,309. When both sales volume and new supply shrink at the same time, a single month's median can swing on which price bands happened to close, not necessarily on a broad shift in value. I wouldn't read one month of decline as the start of a trend without watching August and September too.

What's the median home price in St. Johns County right now?

St. Johns County's median single-family home price was $589,030 in July 2026, up 1.8% from June, per NEFAR. That keeps St. Johns as the most expensive county in the six-county Northeast Florida region by a wide margin, over $250,000 above Duval County's median. Homes here spent a median of 33 days on the market, actually down 4.4% from June, meaning the pace picked up slightly even as prices ticked higher.

How fast are homes selling in Jacksonville and St. Johns County?

Duval County homes had a median of 28 days on market in July, up sharply (16.7%) from June. St. Johns County homes had a median of 33 days on market, down 4.4% from June. Both numbers are still well under the 6-month mark that typically defines a fully balanced market, which tells you sellers who price correctly are not sitting around waiting. But the direction is worth noting: Duval's days-on-market number is moving up, meaning buyers there are taking a bit more time to commit than they were a month earlier.

Is it a buyer's market or a seller's market in Northeast Florida right now?

Neither, cleanly. Duval County has 3.9 months of supply and St. Johns County has 3.3 months, and 6 months is generally the line between a buyer's and seller's market. Both counties are still under that line, which keeps some pricing power with sellers, but active inventory has grown enough over the past year that buyers aren't facing the bidding-war conditions from a few years ago. Honestly, if you're a seller waiting for 2021-style urgency to come back before you list, I wouldn't hold out for it. Price it right for today's pace, and it'll move.

What are mortgage rates doing right now?

The average 30-year fixed mortgage rate was 6.66% as of Freddie Mac's September 1, 2026 weekly survey, ticking up over the prior few sessions as Middle East tensions pushed oil prices and the 10-year Treasury yield higher. Rates have mostly held in the 6.5% to 6.8% range for much of this year, and forecasters at the Mortgage Bankers Association don't expect a meaningful drop before the end of 2026. If you're waiting on a big rate move before buying, the current forecasts don't give you much reason to expect one soon.

Why did Jacksonville's median price fall while St. Johns County's rose?

The two counties are seeing different pressure from different directions. Duval County's price drop came alongside a steep drop in closed sales (down 12.7%) and new listings (down 6.6%), which points to fewer transactions overall rather than a broad repricing of homes already on the market. St. Johns County's price increase came with sales also down (16.6%), but its inventory is tighter relative to demand, at 3.3 months of supply versus Duval's 3.9. When fewer, and relatively higher-priced, homes close in a tighter-supply county, the median moves up even in a slower month.

Should I sell my Jacksonville or St. Johns County home right now?

If your home is priced to the current market and shows well, yes, this is a reasonable time to list. Days on market are still fast by historical standards in both counties, and the Home Affordability Index for Duval County jumped to 98 in July, meaning a median-income buyer there is close to fully qualifying for a median-priced home on a 20% down payment. That's a real pool of ready buyers. St. Johns County is a tougher affordability story, with an index of just 56, so sellers there should expect a more price-sensitive buyer pool and shouldn't assume last year's comps will hold without adjustment.

FAQ

What was the median home price in Duval County in July 2026? $335,000, a 4% decrease from June 2026, according to the Northeast Florida Association of Realtors.

What was the median home price in St. Johns County in July 2026? $589,030, a 1.8% increase from June 2026, according to NEFAR. St. Johns County remains the most expensive county in the six-county Northeast Florida region.

How many days does it take to sell a home in Jacksonville right now? A median of 28 days as of July 2026, up 16.7% from June, per NEFAR data.

How many days does it take to sell a home in St. Johns County right now? A median of 33 days as of July 2026, down 4.4% from June, per NEFAR data.

Is Northeast Florida a buyer's market or a seller's market in 2026? Neither fully. Duval County has 3.9 months of housing supply and St. Johns County has 3.3 months, both below the 6-month threshold that typically marks a balanced-to-buyer's market, so conditions still lean toward sellers, just without the frenzy of past years.

What is the current 30-year mortgage rate? 6.66% as of Freddie Mac's weekly survey published September 1, 2026, up slightly amid global-events-driven volatility in Treasury yields.

Which county is more affordable, Duval or St. Johns? Duval County, by a wide margin. Its Home Affordability Index was 98 in July 2026 compared to St. Johns County's 56, and its median home price of $335,000 is over $250,000 lower than St. Johns County's $589,030.

Where does this market data come from? All price, days-on-market, inventory, and affordability figures cited here come from the Northeast Florida Association of Realtors' (NEFAR) July 2026 market report, based on realMLS closed and active listing data.

CC Underwood, Selling with CC | Real Broker, LLC | Jacksonville & St. Johns County, FL | 904-304-7005 | CC@sellingwithcc.com