salaryRent here is among the highest 10% in the country. A typical house costs about 5.2 years of household income. It is a highly educated city: 60.9% of adults have a college degree.
How much money do I need?
To rent here comfortably, you should earn about $110,200 a year. That is $53 an hour at a full-time job.
Is rent cheaper than other Florida cities?
No. Rent here is more expensive than in most of Florida. It is number 432 of 479 cities from cheapest to most expensive.
How much do households earn in Neptune Beach?
Share of households by yearly income. 41.9% of households earn $100,000 or more.
Rent by apartment size in Neptune Beach
| Size | Neptune Beach | U.S. average |
|---|---|---|
| Studio | $1,040 | $1,338 |
| 1 bedroom | $1,682 | $1,324 |
| 2 bedrooms | $2,077 | $1,509 |
| 3 bedrooms | $1,237 | $1,698 |
| 4 bedrooms | $2,316 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Neptune Beach overall?
Everyday prices in Florida overall are 3% above the U.S. average (index 103.4, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Neptune Beach, so the Florida figure is shown.
Taxes and bills in Neptune Beach
Life in Neptune Beach
Is it cheaper to rent or buy in Neptune Beach?
Renting is cheaper right now: about $1,900 a month less.
Owning assumes a typical $670,900 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $67,090 for the down payment.
Frequently asked questions
What is the average rent in Neptune Beach, FL?
Renting in Neptune Beach costs a median of about $2,755 a month in 2026, including utilities. The Florida median is $1,963.
How much do I need to make to live in Neptune Beach?
To keep rent under 30% of income, you need about $110,200 a year, or $53 an hour at a full-time job.
Is Neptune Beach cheap or expensive?
Neptune Beach is rated OK: rent takes 25.7% of the typical household income of $128,659. It ranks 432nd cheapest of 479 Florida cities we track.
How much are property taxes in Neptune Beach?
The median homeowner in Neptune Beach pays $4,269 a year in property taxes, about 0.64% of the median home value.
Is Neptune Beach more expensive than the national average?
Overall prices in Florida are 3% above the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Neptune Beach?
The median home value in Neptune Beach is $670,900, about 5.2 times the typical yearly household income.
7,168 people live in Neptune Beach. Numbers are typical (middle) values.