06/05/2026
Your mortgage payment is just one number. Here's what you actually need to budget for when buying in Jacksonville:
1️⃣ Closing costs: 2–5% of the purchase price. On a $300K home, that's $6,000–$15,000 due at the table.
2️⃣ Home inspection: $300–$500. Non-negotiable. This is what saves you from buying someone else's problem.
3️⃣ Property taxes: Jacksonville's effective rate is ~1%. On a $309K home, that's roughly $3,090/year — often rolled into your monthly payment.
4️⃣ Homeowner's insurance: Florida averages $2,000–$4,000/year depending on location and flood risk.
5️⃣ HOA fees: Many Jax neighborhoods have them. Can range from $50–$500+/month.
6️⃣ Maintenance reserve: Budget 1% of home value per year. On a $300K home: $3,000/year set aside.
7️⃣ Moving costs: Easily $1,000–$3,000 depending on distance and how much stuff you have.
Know your full number BEFORE you fall in love with a house. Make sure to save this post, you'll thank yourself later 😊
💬 Questions? DM us, we break this down for free!