Can You Cash-Flow Section 8 in Jacksonville?
Jacksonville grades D for Section 8, which means mostly an appreciation play, not a cash-flow market. The median 3-bedroom voucher pays about $1,600/mo and supports a buy near $160,000 at the 1% rule, but in Jacksonville positive cash flow is the exception rather than the rule.
The reason is Florida insurance, which runs around 2% and erodes the yield that the voucher rents might otherwise produce. Jacksonville is the least-bad Florida market for cash flow, not a strong one. Screen it free on CloseHound to see the rare deals that still pencil out after that insurance load.
Jacksonville HUD Section 8 voucher rents by ZIP (FY2026)
Official HUD Small Area Fair Market Rents — the voucher ceiling a landlord can collect in each ZIP, by bedroom count.
| ZIP code | 2-bed | 3-bed | 4-bed |
|---|---|---|---|
| 32206 | $1,150/mo | $1,420/mo | $1,780/mo |
| 32208 | $1,450/mo | $1,790/mo | $2,240/mo |
| 32209 | $1,200/mo | $1,480/mo | $1,850/mo |
| 32254 | $1,300/mo | $1,600/mo | $2,010/mo |
| 32202 | $1,380/mo | $1,700/mo | $2,130/mo |
Source: HUD FY2026 SAFMR. CloseHound underwrites live listings against these exact ceilings.
The least-bad FL for cashflow, but FL insurance (~2%) still makes yield the exception.
More Section 8 markets in Florida
Jacksonville Section 8 FAQ
What's the Section 8 voucher rent for a 3-bed in Jacksonville?+
The FY2026 median 3-bedroom voucher in Jacksonville is about $1,600/mo, ranging from roughly $1,420 to $1,790/mo.
Is Jacksonville a good Section 8 cash-flow market?+
Not really. It grades D, mostly an appreciation play, and it's the least-bad Florida option for yield rather than a genuine cash-flow market.
Why doesn't Jacksonville cash-flow like the Midwest?+
Florida insurance runs about 2%, which eats the yield even though property tax is moderate near 0.9%. That insurance load is why cash flow is the exception here.
Can I still find a cash-flowing Section 8 deal in Jacksonville?+
Occasionally. Use CloseHound to screen for the rare property where the ~$1,600/mo voucher still nets after the ~2% insurance, but expect most to miss.
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See which Jacksonville listings actually cash-flow on the voucher — underwritten and ranked by Deal Score.
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