Live numbers, straight from the MLS — not last quarter's press release. Every figure on this page comes from a named source, and if a source is down we say so instead of guessing.
Source: Freddie Mac Primary Mortgage Market Survey, via FRED.
A market page is only as good as its sourcing, so here is exactly where each section pulls from: the mortgage rates come from Freddie Mac's Primary Mortgage Market Survey, distributed through FRED. The area-by-area cards come from the realMLS RESO replication feed — the same data feed licensed Northeast Florida agents use, not a public-facing aggregator. The monthly report comes from NEFAR, the Northeast Florida Association of Realtors, published on their own schedule. And the county-level figures below come from Zillow's published Home Value Index and Observed Rent Index. Four different organizations, four different update schedules, and this page says so rather than presenting them as one smooth number.
That also means the numbers on this page will occasionally disagree with each other by a little, and that's expected. The MLS feed reflects active listings and closings this month. NEFAR's report reflects last month, reviewed and finalized. Zillow's index is a smoothed model built from public records going back further still. None of the three is wrong — they're measuring the same market from three different distances, and the gap between them is itself useful information about how fast things are moving.
Months of inventory answers one question: at the current pace of sales, how long would it take to sell everything currently on the market? Divide active listings by the average monthly pace of closings and that's the number. It is the cleanest single read on whether a market favors buyers or sellers, because it accounts for both supply and actual demand at the same time — unlike active listing counts alone, which only show supply. A rising count of active listings does not automatically mean a softer market; if closings are rising just as fast, months of inventory can hold steady or even fall. That's why this page shows the calculated number instead of just the raw listing count — the raw count on its own can be read either way, and often is, by whichever side of a negotiation is doing the reading.
This is the same threshold the live area cards above use to label a market "Seller's," "Buyer's," or "Balanced." It's a real-time calculation, not a fixed label — pick a different area above and the read can change.
Most "market update" pages on real estate sites are static — written once, then left alone for months while the market moves under them. The area cards above are pulled live from the realMLS RESO feed for the ZIP you select, not from a syndicated national average that blends every price point and every property type together. A median list price across an entire metro area tells you almost nothing about what a 3-bedroom in Fleming Island is doing this month. A ZIP-level pull, checked against the ZIP it was asked for, tells you something closer to the truth — with the honest caveat that a ZIP is still not your specific street. That's what the "get my home's number" tool below this page is for.
The pattern across the region is not uniform. Duval, Clay, St. Johns and Nassau — the higher-priced, higher-inventory counties — are all down year over year, in line with the statewide direction. Baker, Putnam and Bradford, the smaller rural counties, are up over the same period, though on a fraction of the inventory, which makes them more volatile month to month. Source: Zillow Home Value Index and Zillow Observed Rent Index, county-level data for June 2026, plus the statewide release published July 6, 2026. These are county averages, not ZIP-level or street-level numbers — use the live area cards above and the home value tool below for anything closer to a specific address.
A ZIP average is a starting point. Chris will run your exact neighborhood, your comps, your timing.
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