Cost of Living in Jacksonville, FL
Jacksonville's cost of living index is 95 — making it 5.3% more affordable than the US national average. To maintain your current standard of living here, you would need to earn $95,000 for every $100,000 of national-average income.
The Jacksonville Tax & Cost Impact
Since Florida has no state income tax, moving to Jacksonville provides an immediate "automatic raise" of roughly 5-10% for most W-2 employees compared to high-tax states.
Decision Matrix
- ✓Housing: Housing is a value-play compared to national tiers.
- ✓Savings Rate: To save $2,000/mo here, you need a gross household income of ~$79,800.
COL Index
95
100 = national avg
Monthly Budget
$4,750
vs $5,000 national
Population
0.9M
Metro area
State Tax
None
Florida
Monthly Cost Breakdown
Estimated monthly costs in Jacksonville vs national average for a typical household.
| Category | National Avg | Jacksonville | Difference |
|---|---|---|---|
| Housing | $1,650 | $1,526 | -$124 |
| Groceries | $650 | $624 | -$26 |
| Transportation | $800 | $764 | -$36 |
| Healthcare | $400 | $386 | -$14 |
| Utilities | $300 | $285 | -$15 |
| Other | $1,200 | $1,152 | -$48 |
| Total | $5,000 | $4,750 | -$250 |
Salary Equivalent
To maintain the same standard of living in Jacksonville, a national-average salary translates to:
$50,000 nationally
$47,500
$75,000 nationally
$71,250
$100,000 nationally
$95,000
$150,000 nationally
$142,500
What Your Salary Gets You in Jacksonville
Here's how different salary levels translate to monthly purchasing power in Jacksonville, FL, where the cost of living is 5% below the national average.
Cities With Similar Cost of Living
FAQ: Cost of Living in Jacksonville
Is Jacksonville expensive to live in?
Jacksonville's cost of living index is 95, which is near the national average of 100. Housing is typically the biggest factor, with estimated monthly rent around $1,568.
What salary do I need to live comfortably in Jacksonville?
To maintain a middle-class lifestyle in Jacksonville, you'd need approximately $71,250 per year, which is equivalent to a $75,000 salary at the national average cost of living.
How does Jacksonville compare to other cities?
Jacksonville is comparable in cost to Houston, Milwaukee, Albuquerque.