WhereCanIAfford › Jacksonville, FL › On $475,000

Is Jacksonville, FL affordable on a $475,000 salary?

YES On $475,000/yr, the typical $353,742 home in Jacksonville, FL needs $106,272/yr ($2,480/mo). Your gap: +$368,728 — housing would be 6.3% of your gross income.

The math

353,742 price − 10% down (35,374) = 318,368 loan
30-yr fixed at 6.69% on 318,368 = 2,052/mo principal+interest
+ 427/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,480/mo PITI ÷ 0.28 = 8,856/mo → 106,272/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Jacksonville, FL?

You need about $106,272/yr for the typical home. On $475,000 you already clear it by $368,728.

On $450,000? On $500,000? On $525,000?

See the full Jacksonville, FL affordability breakdown → or every metro you can afford on $475,000 →