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DSCR MARKET DATA · JACKSONVILLE, FL · 2026

Jacksonville — FL DSCR With Lower Insurance Load Than Coastal Markets

$315K SFR · $1,870 rent · 0.59% R/P · DSCR 1.00–1.25 across 5 zones · lower FL insurance load than Tampa/Miami · zero state income tax.

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DSCR Market Data · Jacksonville, FL · Florida

Jacksonville, FL DSCR Market Snapshot · 2026 Q1

0.59%

R/P ratio

Jacksonville MSA · all-property

1.10

Avg DSCR

Across 5 zones · 80% LTV / 7.5% w/ FL insurance

$315K

Median SFR price

Zillow ZHVI · 2026 Q1

$1,870

Median monthly rent

Zillow ZORI · 2026 Q1

CASH-FLOW-VALIDATED ZONES

Jacksonville DSCR Neighborhoods That Pencil in 2026

Riverside

ZIP 32204

$345K–$465K · DSCR 1.00–1.20 · Walkable urban revival

Murray Hill

ZIP 32205

$285K–$385K · DSCR 1.10–1.30 · Inner-ring revival workforce

Westside

ZIP 32210

$245K–$335K · DSCR 1.15–1.35 · West workforce SFR

Arlington

ZIP 32211

$255K–$345K · DSCR 1.15–1.40 · East workforce family SFR

Orange Park (Clay)

ZIP 32073

$285K–$385K · DSCR 1.05–1.30 · SW suburb workforce

WHY JACKSONVILLE WORKS

Why Jacksonville for DSCR Investors

Jacksonville is FL DSCR with lower insurance load than Tampa or Miami coastal markets. Naval Air Station Jacksonville + Mayo Clinic + CSX Transportation + Florida Blue anchor stable employment. Zero state income tax + FL Insurance load is more manageable than Tampa coastal corridor.

  • Zero state income tax (Florida)
  • FL insurance load lower than Tampa/Miami coastal markets
  • Naval Air Station Jacksonville + Mayo Clinic + CSX + Florida Blue employment
  • Population growth +1.7% YoY
  • Property tax 0.95% effective — moderate

Jacksonville DSCR Market Data — read the full market intel →

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Clean files close in 21-30 days · 80% LTV purchase · 75% cash-out refi

HOW JACKSONVILLE COMPARES

How Jacksonville Compares to Other Top-Tier DSCR Markets

Jacksonville sits between Tampa (R/P 0.62%, higher FL insurance) and Atlanta (R/P 0.59%, no FL insurance, GA state tax). Lower FL insurance load than Tampa is the structural advantage; the constraint is metro-median R/P (0.59%) requires workforce-zone selection.

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DATA SOURCES

Where This Jacksonville DSCR Data Comes From

Median price + rent: Zillow ZHVI / ZORI 2026 Q1 (metro single-family series, reconciled against Northeast Florida MLS MLS comps). R/P derived from Zillow + ATTOM Data. Vacancy from BLS CEW 2026 Q1. Property tax from Duval County property appraiser. HUD FMR via huduser.gov. Last refreshed 2026-05-16.

Market data is informational only and does not constitute a loan offer. Verify all subject-property numbers via comparative market analysis before underwriting.

FREQUENTLY ASKED

Jacksonville DSCR Lending Questions

Jacksonville is FL DSCR with lower insurance load than Tampa or Miami. Zero state income tax + 0.95% property tax + DSCR 1.10–1.40 across five validated workforce zones make Jacksonville the cleanest FL DSCR balance in 2026.

Across the five validated zones, DSCR averages 1.10 at 80% LTV / 7.5% with full FL insurance. Arlington east workforce family SFR pencils 1.15–1.40. Westside west workforce runs 1.15–1.35. Riverside walkable urban runs 1.00–1.20.

Yes — Riverside (32204), Murray Hill (32205), Westside (32210), Arlington (32211), Orange Park (32073). Arlington and Westside have the highest workforce-zone R/P; Orange Park (Clay County) offers SW suburb workforce with slightly lower FL insurance.

Jacksonville loan amounts typically $200K–$370K matched to Jacksonville SFR inventory. 80% LTV purchase, 75% cash-out refi standard. Insurance escrow required.

Jacksonville's lower FL insurance load vs. Tampa is a meaningful structural advantage. Get insurance quotes BEFORE pre-qualification — FL insurance varies 1.5x–2x across flood zones.

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DSCR loans are business-purpose investor mortgages — not consumer mortgages. Terms, rates, and product availability depend on the lender, the property, and the borrower's qualifications. Nothing on this page is a commitment to lend. Verification, not guarantee.