| Index | Jacksonville Beach | Florida | National |
| Cost of living | 135 | 102 | 100 |
| Groceries | 104 | 102 | 100 |
| Health care | 107 | 104 | 100 |
| Housing | 196 | 97 | 100 |
| Transportation | 108 | 103 | 100 |
| Utilities | 116 | 110 | 100 |
| Lifestyle & Entertainment | 112 | 104 | 100 |
| Household Items | 105 | 102 | 100 |
| Education & Childcare | 109 | 106 | 100 |
Getting a feel for the cost of living in Jacksonville Beach is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Jacksonville Beach is 135, which is 35% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.
The cost of living in Jacksonville Beach is among the highest in the country, making it a very expensive place to live. Only a small fraction of regions boast a cost of living that is at least 20% higher than the national average, and regrettably, Jacksonville Beach falls into this category, which may not be suitable for those seeking an economically favorable living environment.
Housing costs are a very significant part of the Jacksonville Beach cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 96.3% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.
Is Jacksonville Beach an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Jacksonville Beach is 111.6% higher than the national average, while the average monthly rent prices are 60.7% higher than average. The affordability of any location can also be influenced by median income levels. Jacksonville Beach has a median household income of $146,381, which is 80% higher than the national average.
Subsidies: Certain regions may provide government subsidies or assistance initiatives designed to alleviate the cost of living burden on their residents. These programs encompass a wide range of support mechanisms, such as Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas with fewer subsidy offerings might experience an elevation in their cost of living.
Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.
Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Jacksonville Beach, the groceries index is 4.1% higher than the national average.
The cost of living data for Jacksonville Beach shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $173,779 | $14,482 | $4,055 | $5,214 |
| Renters | $98,528 | $8,211 | $2,299 | $2,956 |
| State | General Sales Tax | With Max Surtax |
| Florida | 6% | 7.5% |
| State | Income Tax (Low) | Income Tax (High) |
| Florida | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Fruit Cove, FL | 33,956 | 129 | 29.1% |
| Atlantic Beach, FL | 14,361 | 136 | 35.7% |
| Neptune Beach, FL | 7,476 | 138 | 38.3% |
| Nocatee, FL | 17,383 | 139 | 39.5% |
| Palm Valley, FL | 21,243 | 140 | 40.0% |
| Jacksonville Beach, FL | 24,280 | 135 | 34.6% |
| City | Population | Cost of Living Index | National Avg. |
| North Augusta, SC | 24,271 | 98 | 1.9% |
| Oak Harbor, WA | 24,266 | 123 | 22.7% |
| Belton, MO | 24,296 | 93 | 6.8% |
| Apollo Beach, FL | 24,263 | 122 | 21.9% |
| Ashland, CA | 24,254 | 162 | 62.0% |
| Jacksonville Beach, FL | 24,280 | 135 | 34.6% |
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