WhereCanIAfford › Jacksonville, FL › On $225,000

Is Jacksonville, FL affordable on a $225,000 salary?

YES On $225,000/yr, the typical $352,994 home in Jacksonville, FL needs $104,071/yr ($2,428/mo). Your gap: +$120,929 — housing would be 13% of your gross income.

The math

352,994 price − 10% down (35,299) = 317,695 loan
30-yr fixed at 6.47% on 317,695 = 2,002/mo principal+interest
+ 427/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,428/mo PITI ÷ 0.28 = 8,673/mo → 104,071/yr required

against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).

What salary WOULD clear Jacksonville, FL?

You need about $104,071/yr for the typical home. On $225,000 you already clear it by $120,929.

On $200,000? On $250,000? On $275,000?

See the full Jacksonville, FL affordability breakdown → or every metro you can afford on $225,000 →