Compare Jacksonville, NC mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Jacksonville.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Jacksonville. Plus, shopping lenders is free and there is no obligation.
August 2, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Jacksonville. Understand how much you need to earn to afford a home in Jacksonville, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Jacksonville fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Jacksonville is right for you.
The median home value for Jacksonville, NC (Onslow County) is $208,379
Based on current mortgage rates and a 10% down payment, you need to make $43,471 per year to buy the median priced home in Jacksonville
With this income, you could qualify for a $187,541 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Jacksonville is $1,007
The median household income for Jacksonville, NC (Onslow County) is $56,345
Based on this income, you can afford a home valued at approximately $270,088
The home price you can afford to buy based on household income in Jacksonville is 130% of the median home value which means housing prices are average. Jacksonville (Onslow County) ranks 49 out of 100 counties in North Carolina and 2,335 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Jacksonville, NC is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Jacksonville (Onslow County) below.
Conforming loan limits for Jacksonville, NC
FHA loan limits for Jacksonville, NC