| Index | Jacksonville | Florida | National |
| Cost of living | 108 | 102 | 100 |
| Groceries | 104 | 102 | 100 |
| Health care | 107 | 104 | 100 |
| Housing | 108 | 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 |
Knowing the cost of living in Jacksonville allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Jacksonville stands at 108, marking it 8% higher than the national average.
Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Jacksonville are priced in a manner consistent with other areas. This means that residents of Jacksonville can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.
Is Jacksonville affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Jacksonville, for instance, where the median home price falls 5.1% higher than the national average, and monthly rent rates are 13.6% higher than usual. Additionally, median income levels contribute to the equation, with Jacksonville flaunting a median household income of $84,241, 3.6% higher than the national norm.
Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Jacksonville, healthcare costs are 6.9% higher than the national average.
Subsidies: Some cities and states may extend government subsidies or aid programs aimed at reducing the cost of living for their residents. These initiatives encompass diverse forms of support, including 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 farm subsidies. Regions with limited subsidy provisions may witness an increase in their overall cost of living.
Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Jacksonville, the utilities index registers 15.5% higher than the national average.
The cost of living estimates displayed for Jacksonville are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across 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 | $108,584 | $9,049 | $2,533 | $3,258 |
| Renters | $62,174 | $5,181 | $1,451 | $1,865 |
| 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. |
| Bellair-Meadowbrook Terrace, FL | 15,617 | 100 | 0.4% |
| Nassau Village-Ratliff, FL | 4,952 | 104 | 3.7% |
| Lakeside, FL | 32,167 | 104 | 3.8% |
| Orange Park, FL | 8,984 | 106 | 5.5% |
| Oakleaf Plantation, FL | 29,179 | 116 | 15.5% |
| Jacksonville, FL | 934,752 | 108 | 8.0% |
| City | Population | Cost of Living Index | National Avg. |
| Fort Worth, TX | 926,371 | 103 | 2.9% |
| Columbus, OH | 914,920 | 97 | 3.5% |
| Charlotte, NC | 903,228 | 110 | 10.2% |
| Indianapolis, IN | 899,521 | 93 | 6.6% |
| San Francisco, CA | 898,133 | 245 | 145.5% |
| Jacksonville, FL | 934,752 | 108 | 8.0% |
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