| Index | Jacksonville | Texas | National |
| Cost of living | 87 | 94 | 100 |
| Groceries | 100 | 98 | 100 |
| Health care | 97 | 98 | 100 |
| Housing | 58 | 83 | 100 |
| Transportation | 100 | 98 | 100 |
| Utilities | 102 | 103 | 100 |
| Lifestyle & Entertainment | 99 | 98 | 100 |
| Household Items | 98 | 98 | 100 |
| Education & Childcare | 99 | 98 | 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 87, marking it 13% lower than the national average.
Housing expenses can absorb a substantial portion of your net income, sometimes exceeding 30%. Thankfully, Jacksonville stands out by reporting housing costs that are 42.5% lower than the national average. This signifies that both homeownership and rental expenses in this region are considerably more budget-friendly compared to the rest of the country. With such favorable housing affordability, residents of Jacksonville can allocate a more reasonable portion of their income to housing, allowing for greater financial flexibility.
Is Jacksonville an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Jacksonville, the median home price is 52% lower than what most folks pay across the country, and monthly rent prices are 20.3% lower than the usual rates. Income levels in Jacksonville come in at $64,548, which is 20.6% lower than the national average.
Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum of support mechanisms, 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 farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.
Utilities: Like everything else, utilities costs can range significantly depending on factors like climate, energy sources available, location and even state regulations. Things like electricity, water, heating and waste disposal costs can be higher or lower, depending on the city or state. The utilities index in Jacksonville comes in at 2.2% higher than the national average.
Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday household expenses like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Jacksonville starts at 6.25% and the income tax rates start at 0%.
The Jacksonville cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.
| 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 | $85,463 | $7,122 | $1,994 | $2,564 |
| Renters | $44,787 | $3,732 | $1,045 | $1,344 |
| State | General Sales Tax | With Max Surtax |
| Texas | 6.25% | 8.25% |
| State | Income Tax (Low) | Income Tax (High) |
| Texas | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Cuney, TX | 139 | 99 | 0.6% |
| New Summerfield, TX | 852 | 84 | 16.3% |
| Gallatin, TX | 322 | 85 | 14.9% |
| Berryville, TX | 1,320 | 85 | 14.7% |
| Shadybrook, TX | 2,749 | 87 | 13.2% |
| Jacksonville, TX | 15,199 | 87 | 13.2% |
| City | Population | Cost of Living Index | National Avg. |
| Kemp Mill, MD | 15,201 | 148 | 47.5% |
| Carthage, MO | 15,195 | 84 | 16.4% |
| Natchez, MS | 15,207 | 84 | 15.8% |
| Franklin Park, PA | 15,190 | 132 | 31.8% |
| Rosemère, QC | 15,188 | n/a | |
| Jacksonville, TX | 15,199 | 87 | 13.2% |
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