Robert Howard
Robert Howard
@robert-howard
A Realtor with ERA ONETEAM, serving Jacksonville and Northeast Florida; from Downtown to the Westside, Mandarin, and out to Bradford County. A track record with first-time buyers and investors tackling renovation projects alike. Local knowledge and a hands-on approach guide every transaction.
All Stacks
All the public Stacks from Robert Howard in one place.
A Guide to what it's really like to live in Jacksonville and Northeast Florida. From cost of living and top school districts to the best neighborhoods for families, this collection covers the essentials for anyone considering a move to the area.
Cost of living in Jacksonville
A guide to the average cost of living in Jacksonville Fl. From housing and travel costs, to currency and exchange rates. Use our calculator to see what the living cost in Jacksonville Fl might be.
What It Really Costs to Live Near Jacksonville Florida in 2026
Here's the real deal on what it costs to live in Jacksonville Florida. From food, to utilities, fun stuff and everything in between, this has you covered.
Best Neighborhoods in Jacksonville for Families
Discover the best neighborhoods in Jacksonville for families, with top schools, parks, and kid-friendly perks—plus tips to find your perfect apartment match.
Best Jacksonville Suburbs for Families
Discover the top Jacksonville suburbs perfect for family living! Explore safe neighborhoods, excellent schools, and family-friendly amenities.
Best Jacksonville Neighborhoods
What's it like living in the best Jacksonville neighborhoods? Explore Avondale, Riverside, San Marco, and more.
Best School Districts in the Jacksonville Area
Ranking of best school districts in the Jacksonville Area based on stats, test scores, and school district ratings. Compare school districts near you.
A step-by-step guide to buying a first home in Northeast Florida, from credit prep to closing day. Built for buyers navigating Duval, Clay, and Bradford County for the first time, including more affordable Westside and outlying inventory.
How Much House Can You Afford?
The Consumer Financial Protection Bureau's affordability tools break down how lenders calculate debt-to-income ratio, relevant anywhere in Jacksonville's price range. A good first stop before house-hunting in Duval or Clay County.
FHA Loans for First-Time Buyers
HUD's overview of FHA loans shows how down payments as low as 3.5% and more flexible credit requirements make them a common choice for first-time buyers in Duval and Clay Counties.
Florida Housing First-Time Homebuyer Program
Florida Housing Finance Corporation offers 30-year fixed-rate first mortgages plus down payment and closing cost assistance for eligible first-time buyers statewide, including Duval and Clay County purchases.
Understanding Your Credit Score Before You Buy
The CFPB's credit tools explain the steps to take in the months before a home search: paying down revolving debt, avoiding new inquiries, and correcting report errors. These can meaningfully affect the mortgage rate a Jacksonville buyer is offered.
What a Home Inspection Covers
The American Society of Home Inspectors' standards outline what a Northeast Florida inspection typically checks: roof, HVAC, plumbing, and, importantly in this region, evidence of past flooding or termite damage. Especially important on older, lower-priced homes.
Understanding Closing Costs in Florida
Florida buyers typically pay 2–5% of the purchase price in closing costs, covering the title search, recording fees, and prepaid property taxes. Sellers, not buyers, customarily pay for the owner's title insurance policy in most of the state.