HomeFloridaDuval CountyNeptune Beach
Neptune Beach, Florida: commercial real estate data.
Neptune Beach is a Census city of 7,168 people across 2.34 square miles of land, in Duval County. Median household income is $119,294, 73.1 percent of occupied homes are owned, and the SBA record carries 14 7(a) approvals to borrowers here worth $11.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Neptune Beach
What Neptune Beach is
- Census place typecity
- Land area2.34 sq mi
- Water area4.51 sq mi
- Population per square mile of land3,067
- County holding the largest share of its areaDuval County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune Beach
How many people live in Neptune Beach
- Population7,168
- Median age43.1
- Population under 18992 plus or minus 245
- Share under 1813.8 percent plus or minus 3.4
- Population 65 and over1,436
- Share 65 and over20.0 percent
- Households3,229
- Family households2,137
- Share of households that are families66.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune Beach
Income and work in Neptune Beach
- Median household income$119,294
- Per capita income$72,236
- Civilian labor force4,495
- Employed4,399
- Unemployed96 plus or minus 65
- Unemployment rate2.1 percent plus or minus 1.4
- Adults 25 and over5,702
- Adults 25 and over with a high school diploma or higher96.5 percent
- Adults 25 and over with a bachelor degree or higher60.9 percent
- Adults 25 and over with a graduate degree20.9 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune Beach
Housing in Neptune Beach
- Housing units3,709
- Occupied units3,229
- Vacant units480 plus or minus 190
- Vacancy rate12.9 percent plus or minus 5.0
- Owner occupied2,359
- Renter occupied870 plus or minus 247
- Ownership rate73.1 percent
- Median owner-occupied home value$670,900
- Median gross rent, monthly$1,763
- Annual rent as a share of median income17.7 percent
- Single family units2,875
- Share single family77.5 percent
- Units in buildings of two or more763 plus or minus 254
- Share in buildings of two or more20.6 percent plus or minus 6.7
- Mobile homes71 plus or minus 109
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune Beach
How Neptune Beach gets to work
- Workers 16 and over who commute3,217
- Commuting under 15 minutes1,170 plus or minus 312
- Share commuting under 15 minutes36.4 percent plus or minus 8.6
- Commuting 30 minutes or more1,182 plus or minus 331
- Share commuting 30 minutes or more36.7 percent plus or minus 9.3
- Drove alone66.6 percent
- Carpooled5.0 percent plus or minus 3.0
- Public transport0.0 percent
- Walked0.3 percent plus or minus 0.4
- Worked from home26.7 percent plus or minus 6.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune Beach
SBA loans in Neptune Beach (7(a))
- Approvals14
- Gross approval$11,337,400
- Average approval$809,814
- Median approval$470,000
- Largest approval$5,000,000
- Jobs supported137
- Jobs per approval9.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more7.1 percent
- Share to franchises35.7 percent
- Distinct lenders8
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Neptune Beach, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Neptune Beach
SBA loans in Neptune Beach (504)
- Approvals3
- Gross approval$2,087,000
- Average approval$695,667
- Median approval$743,000
- Largest approval$1,107,000
- Jobs supported25
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Neptune Beach, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Neptune Beach
Flood risk in Neptune Beach
- NFIP communityCity of Neptune Beach
- NFIP community number120079
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date11/02/18
The City of Neptune Beach participates in the National Flood Insurance Program as community 120079 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Duval County, not Neptune Beach
Duval County context, not Neptune Beach figures
- Establishments in Duval County28,342
- Covered employment, Duval County563,527
- Average annual pay, Duval County$71,652
- Housing units permitted, Duval County6,495
Every figure in this section is published for Duval County as a whole and is not a measurement of Neptune Beach.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Neptune Beach questions, answered from the record.
How many people live in Neptune Beach, Florida?
7,168, in 3,229 households. Neptune Beach city covers 2.34 square miles of land, which is 3,067 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Neptune Beach in?
Duval County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Neptune Beach?
$119,294. The median owner-occupied home is valued at $670,900. Median gross rent is $1,763 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Neptune Beach businesses?
14 7(a) approvals totaling $11.3 m since FY2020, across 8 lenders, median approval $470,000, plus 3 504 approvals worth $2.1 m since FY2010. These count approvals to borrowers whose address is in Neptune Beach, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Neptune Beach borrowers get paid back?
No rate is published for Neptune Beach. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Neptune Beach in the National Flood Insurance Program?
Yes. Neptune Beach appears in the FEMA Community Status Book as Neptune Beach, city of, community 120079, carrying Community Rating System class 6, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Neptune Beach figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Duval County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Neptune Beach.
Is zoning published for Neptune Beach?
No. Nothing on this page presents parcel level zoning.
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