Cost of Living in Jacksonville, FL (2026)

Jacksonville's cost of living is 1% below the US average. $100,000 here is worth about $100,519 nationally. Rent, homes and monthly costs.

Jacksonville has a cost-of-living index of 99 against a US average of 100 — about 1% below average. $100,000 of income here is worth roughly $100,519 at the national average.

What it costs to live in Jacksonville

MeasureJacksonvilleUS average
Cost-of-living index99100
Median rent$1,375/mo-
Median home value$266,100-
Median household income$66,981-
Population961,739-

Monthly cost breakdown in Jacksonville

Estimates use BLS Consumer Expenditure Survey shares scaled by the local cost-of-living index. Housing uses the city’s median rent; the owning column uses a 30-year mortgage at 6.7% with 10% down on the median home.

CategoryRentingOwning
Housing$1,375$1,545
Transport$911$911
Food$716$716
Healthcare$450$450
Other$1,599$1,599
Total$5,051$5,221

Affordability in Jacksonville

Median rent takes about 24.6% of the median household income in Jacksonville — comfortably inside the 30% rule of thumb.

The median home costs 4.0x the median household income. Three times income is the traditional comfort line; five times is where affordability usually breaks down.

Highest-paying roles in Jacksonville

RoleTypical salaryWorth nationally
Marketing Manager$130,040$130,714
Software Developer$121,250$121,879
Data Scientist$101,190$101,715
Physical Therapist$100,930$101,454
Mechanical Engineer$93,550$94,035
Web Developer$84,490$84,928
Dental Hygienist$81,559$81,982
Registered Nurse$79,800$80,214

“Worth nationally” adjusts each salary for Jacksonville’s cost of living, so you can compare offers between cities on equal terms.

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Frequently asked questions

Jacksonville has a cost-of-living index of 99 against a US average of 100, so it is about 1% below the national average. In practical terms, $100,000 of income in Jacksonville has roughly the purchasing power of $100,519 at the national average.

A common benchmark is keeping rent at or under 30% of gross income. At Jacksonville's median rent of $1,375/month that implies about $55,000 a year before tax. The median household in Jacksonville earns $66,981.

Renting, a single household spends roughly $5,051 a month in Jacksonville across housing, transport, food, healthcare and everything else. Buying at the median home price, the estimate is about $5,221 a month including a 30-year mortgage at 6.7% with 10% down.

The median home in Jacksonville costs $266,100, which is 4.0x the median household income of $66,981. Lenders traditionally treat 3x as comfortable and about 5x as stretched, so Jacksonville is manageable but tight.