Jacksonville is about 11% more expensive than El Paso overall - $100,000 in El Paso is worth about $110,646 in Jacksonville.
The housing gap between El Paso and Jacksonville is the headline story. A median home in Jacksonville costs $266,100 compared to $171,700 in El Paso - a 55% difference that shapes everything from your down-payment timeline to your commute radius. For first-time buyers, that translates to a $26,610 down payment in Jacksonville versus $17,170 in El Paso.
Renters see the same pattern. The typical apartment in Jacksonville costs $1,375/month versus $1,041/month in El Paso. But income matters too: the median household in El Paso earns $58,734 and in Jacksonville earns $66,981. That means rent swallows about 21.3% of median income in El Paso and 24.6% in Jacksonville.
Both cities are similarly sized metros - El Paso has 678,147 people and Jacksonville has 961,739. That means comparable access to jobs, airports, and cultural amenities without the extremes of a mega-city.
Monthly cost breakdown: El Paso vs Jacksonville
These estimates use BLS Consumer Expenditure Survey shares scaled by each city’s cost-of-living index. Housing uses the city’s actual median rent; ownership uses a 6.7%, 30-year mortgage with 10% down on the median home.
| Category | El Paso (rent) | Jacksonville (rent) | El Paso (own) | Jacksonville (own) |
|---|---|---|---|---|
| Housing | $1,041 | $1,375 | $997 | $1,545 |
| Transportation | $722 | $911 | $722 | $911 |
| Food | $568 | $716 | $568 | $716 |
| Healthcare | $356 | $450 | $356 | $450 |
| Other | $1,267 | $1,599 | $1,267 | $1,599 |
| Total | $3,954 | $5,051 | $3,910 | $5,221 |
Scenario: who actually wins?
The Renter
If you rent a median apartment and keep other spending typical, your monthly nut in Jacksonville is roughly $16,500 per year in rent alone - $4,008 more than in El Paso. Add utilities, food, and transport and the annual gap widens. The crossover point: you need to earn about $110,646 in Jacksonville to match $100,000 in El Paso.
The First-Time Buyer
A 10% down payment on the median home costs $26,610 in Jacksonville versus $17,170 in El Paso. On a 30-year fixed mortgage at 6.7%, the monthly P&I difference is roughly $548. Over five years, that’s $32,894 in extra (or saved) housing costs.
The Remote Worker
If your salary is locked to a national scale regardless of location, El Paso is the obvious win. A $120,000 remote salary in El Paso has the purchasing power of about $132,775 in Jacksonville. The catch: some employers use location-based pay bands, which can erase part of that advantage.
The Family of Four
With two median incomes, a household in El Paso earns roughly $88,101 and in Jacksonville earns $100,472. After housing, the next biggest budget line is usually childcare and education - costs that vary less by city than housing does. The family math usually comes down to: can you afford the home you want on local salaries? In Jacksonville, that answer is harder.
El Paso vs Jacksonville: the numbers
| Metric | El Paso | Jacksonville | Difference |
|---|---|---|---|
| Cost-of-living index (US=100) | 90 | 99 | +11% |
| Median rent | $1,041 | $1,375 | +32% |
| Median home value | $171,700 | $266,100 | +55% |
| Median household income | $58,734 | $66,981 | +14% |
Cost of living = BEA Regional Price Parities (US average = 100). Rent, home value, and income from the U.S. Census ACS. See our methodology.
What your salary is worth
A $100,000 salary in El Paso has the same buying power as about $110,646 in Jacksonville. Going the other way, $100,000 in Jacksonville is like $90,378 in El Paso.
Use the calculator below to compare any salary between El Paso and Jacksonville.
Job market snapshot: El Paso vs Jacksonville
Highest-paying roles with available data - median salary, not average, to avoid skew from senior outliers.
| Role | El Paso | Jacksonville |
|---|---|---|
| Software Developer | $106,750 | $121,250 |
| Marketing Manager | - | $130,040 |
| Physical Therapist | $95,420 | $100,930 |
| Data Scientist | - | $101,190 |
| Mechanical Engineer | $80,510 | $93,550 |
Moving from El Paso to Jacksonville: a practical checklist
Before you pack, run the numbers on these five items:
- Total compensation, not just base salary. Factor in bonuses, stock, 401(k) match, and remote-work stipends.
- Housing math for your situation. Rent vs. buy changes the winner. Use our calculator above to model both.
- State income tax. El Paso and Jacksonville are in different states, so your take-home pay will shift even if your gross salary stays flat. See our paycheck calculator for the exact difference.
- Commute and transportation. Gas, insurance, and tolls vary by metro. Check whether your new commute is longer or shorter.
- Healthcare network coverage. If you have employer-sponsored insurance, confirm your preferred doctors and hospitals are in-network in Jacksonville.
Run these through our cost-of-living calculator with your actual salary to get a personalized answer.