Jacksonville, FL Mortgage Calculator
Estimate your monthly mortgage payment in Jacksonville including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,186
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $240,000
LTV: 0.01%
P&I Payment
$1,589
Total Interest
$331,923
over loan life
Payoff
30 yr
Closing Costs
$5,745–$10,724
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,589 | $199 | $1,390 | $239,801 | $1,390 |
| 2 | $1,589 | $200 | $1,389 | $239,602 | $2,779 |
| 3 | $1,589 | $201 | $1,388 | $239,401 | $4,167 |
| 4 | $1,589 | $202 | $1,387 | $239,198 | $5,553 |
| 5 | $1,589 | $203 | $1,385 | $238,995 | $6,938 |
| 6 | $1,589 | $205 | $1,384 | $238,791 | $8,323 |
| 7 | $1,589 | $206 | $1,383 | $238,585 | $9,706 |
| 8 | $1,589 | $207 | $1,382 | $238,378 | $11,087 |
| 9 | $1,589 | $208 | $1,381 | $238,170 | $12,468 |
| 10 | $1,589 | $209 | $1,379 | $237,961 | $13,847 |
| 11 | $1,589 | $210 | $1,378 | $237,750 | $15,226 |
| 12 | $1,589 | $212 | $1,377 | $237,538 | $16,603 |
Months 1–12 of 360
2025 Loan Limits — Duval County, FL
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Jacksonville Mortgage
What is the average mortgage payment in Jacksonville?
Based on the median home value of $300,000 in Jacksonville, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Jacksonville?
The 2025 FHA loan limit for Jacksonville (Duval County) is $524,225.
What is the conforming loan limit in Jacksonville?
The 2025 conforming loan limit for Jacksonville is $806,500. Loans above this are considered jumbo.