CALCMONEY // HOME AFFORDABILITY // FL // PONTE VEDRA BEACH
How much house can you afford in Ponte Vedra Beach? Based on local median home prices, current FL mortgage rates, and Ponte Vedra Beach property tax data.
$900,000
$5,745/mo
$246,230/yr
$382,641
Monthly housing costs of $5,745 represent 53.0% of Ponte Vedra Beach's median gross monthly income ($10,833/mo). At 53.0%, median-income buyers in Ponte Vedra Beach are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $900,000 |
| Down Payment (20%) | $180,000 |
| Loan Amount | $720,000 |
| Monthly PI Payment | $4,718 |
| Monthly Property Tax | $653 |
| Monthly Insurance Est. | $375 |
| Total Monthly PITI | $5,745 |
| Housing Cost % of Income | 53.0% |
| Required Income (28% rule) | $246,230/yr |
| Max Affordable Home | $382,641 |
$31,500
$7,334/mo
Ponte Vedra Beach Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $900,000 | Ponte Vedra Beach city median |
| Down Payment (20%) | $180,000 | Conventional loan |
| Monthly PITI | $5,745 | 6.85% rate, 30yr fixed |
| Required Income (28% rule) | $246,230 | Annual gross |
| Max Affordable Home | $382,641 | Based on median income |
| FHA Down (3.5%) | $31,500 | Minimum FHA |
| Housing Cost % of Income | 53.0% | Median income: $130,000/yr |
| Property Tax Rate | 0.87% | $7,830/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Ponte Vedra Beach is $900,000, with a local 30-year mortgage rate of 6.85%. A buyer putting 20% down carries a loan of $720,000, generating a monthly P&I payment of $4,718. Adding property taxes ($653/mo) and homeowners insurance ($375/mo) brings total monthly PITI to $5,745.
Ponte Vedra Beach's property tax rate of 0.87% is near the national average, adding a standard increment to monthly housing costs. On the Ponte Vedra Beach median home, that is $653/month, or $7,830 per year.
Florida has no state income tax, improving effective take-home pay for Ponte Vedra Beach residents and giving buyers additional capacity relative to equally-priced homes in high-tax states.
Using the 28% rule, a household earning Ponte Vedra Beach's median income of $130,000/year can afford up to $3,033/month in total housing costs. Based on Ponte Vedra Beach's mortgage rate of 6.85% and property tax rate of 0.87%, that translates to a maximum affordable home price of approximately $382,641 with 20% down on a 30-year loan.
To afford the median Ponte Vedra Beach home priced at $900,000, you need an annual gross income of approximately $246,230. Total monthly housing costs (principal and interest of $4,718, property taxes of $653, and insurance of $375) come to $5,745/month, which equals 28% of the required income.
At the median home price of $900,000 and median household income of $130,000, the total monthly housing cost of $5,745 represents 53.0% of gross monthly income. This is well above the standard 28% threshold, making Ponte Vedra Beach a challenging market for buyers at median income.
A conventional 20% down payment on the median Ponte Vedra Beach home of $900,000 is $180,000. An FHA loan requires just 3.5% down — $31,500 — but adds mortgage insurance of roughly $615/month, bringing total FHA payments to $7,334/month.