Jacksonville Housing Finance Authority Home Sweet Home DPA
Deferred second loan · Income limits
Down payment assistance · Duval County
Buying a home in Neptune Beach, FL
1 county program and 26 statewide.Neptune Beach has no program of its own, 1 across Duval County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Neptune Beach
No program of Neptune Beach’s own yet
No program run for Neptune Beach alone is listed. A home in Neptune Beach can use Duval County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Jacksonville, about 16 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in DuvalAnywhere in Duval County
1 county program1 county program a Neptune Beach homebuyer can use
2 more programs are for homes in Jacksonville. See them 2 programs in neighboring cities — for homes inside those cities, not Neptune Beach
- Jacksonville — City of Jacksonville - New $2M Low-Income Homebuyer Initiative
- Jacksonville — City of Jacksonville Head Start to HOME Ownership (H2H)
The Neptune Beach marketThe Neptune Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Neptune Beach
- 69.1% single-familysingle-family
- 8.4% townhousetownhouse
- 16.4% 2–4 units2–4 units
- 4.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
Condos count. Neptune Beach’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Neptune Beach’s homes were built
pre-19401970s2020+
63.8%
of Neptune Beach homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$108,700
County area median income, 4 people (HUD)HUD area median income, Duval County, 4-person household (2026)
$119,294
Neptune Beach median household incomeMedian household income in Neptune Beach (Census, 2024)
28 of the 89 programs here set their income limit as a share of Duval County’s area median income, adjusted for household size. See the published limits for Duval County
Free help nearbyFree help near Neptune Beach
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Neptune Beach’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Jacksonville Housing Finance Authority Home Sweet Home DPA asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Neptune Beach questions
Does Neptune Beach have its own down payment program?
No program run for Neptune Beach alone is listed. A home in Neptune Beach can use the 1 program that cover Duval County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Neptune Beach?
Neptune Beach’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Duval County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Duval County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Neptune Beach?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Neptune Beach. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32266
Nearby in Duval
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.