---
title: "Jacksonville Mortgage Calculator & Property Tax Data"
url: https://stacklist.com/card/bbe0c046-1b76-4480-9c5f-99acae618d12
source_url: "https://livabilitycalc.com/city/jacksonville-fl"
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summary: "Jacksonville, FL Livability Calculator provides a comprehensive cost of living analysis showing the city's housing costs are 2% below the national average with a median home value of $282,367 and median household income of $66,981. The tool evaluates housing feasibility, rent versus buy scenarios, and compares Jacksonville's cost indices across housing, utilities, groceries, and services against national benchmarks."
tags: "jacksonville-fl, cost-of-living, housing-affordability, livability, real-estate, financial-analysis"
key_entities: "Jacksonville, FL (location), U.S. Census Bureau (organization), Zillow (organization), BEA (organization), Cost of Living Index (concept), Housing Affordability (concept), Florida (location)"
classification: "reference"
content_hash: "sha256:50f4cc146496fae8658f97c2cd8eae4122d782561aad972cf6762638069bb59b"
acp_version: "0.2"
token_counts_approximate: 2032
visibility: public
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status: "final"
---

# Jacksonville Mortgage Calculator & Property Tax Data

City Housing Verdict Jacksonville, FL Stretch The cost of living in Jacksonville, FL is 2% below the national average (Cost Index: 98). Homes here are typically valued around $282,367, compared to the $303,400 national median. The median household income is $66,981 — overall, living costs and earnings are reasonably balanced in this area. Jacksonville sits in the stretch zone: not impossible, but household feasibility will depend heavily on rent, down payment, debt load, and whether you are renting or buying. Start with the verdict panel, then compare scenarios before treating this city as affordable. Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI Data Updated: March 2026 Housing Feasibility Verdict Safe Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Jacksonville . Monthly Housing $1,576 /mo Lower of rent or buy scenario Housing Burden 28% Healthy Residual Cash $3,506 /mo After housing and debt · $1,169/person Rent vs Buy Renting is the lower-pressure baseline Main pressure: home prices Assumptions Housing Mode auto rent buy Household Income $ Adults Dependents Monthly Debt $ Monthly Rent $ Home Price $ Down Payment Saved $ Mortgage Rate % Confidence: High Home source: ZILLOW Rent source: ZILLOW BEA proxy: msa Household size: 3 Down payment: 20 % Fixed burden: 37 % Share Scenario Uses a URL fragment, so it does not create a separate indexed page. Cost Index 98 Average Based on housing costs · See methodology Median Home Value $282,367 Zillow ZHVI Market Rate • Census ACS: $266,100 National: $ 303,400 Median Rent $1,576/mo Zillow ZORI Market Rate • Census ACS: $1,375/mo National: $ 1,348 /mo Household Income $66,981 National: $ 78,538 Population 961,739 Purchasing Power 87 100 = national baseline Cost of Living Mortgage Budget Taxes Compare Cost of Living Breakdown Each index uses 100 as the US national average . A score of 150 means 50% more expensive; 80 means 20% cheaper. Housing Cost Index 93 / 100 7% below average Rent Index 117 / 100 17% above average Goods & Groceries 96 / 100 About the same as most US cities Utilities 88 / 100 12% lower utility bills Healthcare & Services 99 / 100 In line with national average Overall Index 98 Average Jacksonville Mortgage Calculator Pre-filled with the local median home value of $ 282,367 and Florida 's property tax rate of 0.86 % . Household Housing Budget Local median household income helps frame typical housing pressure, rent burden, and how stretched a household budget may feel in this market. Local Household Income $66,981 Census ACS place context Rent Burden Estimate 28% Typical annual rent / local household income Home Price to Income 4.2x Typical home value / local household income Use this section to judge whether Jacksonville looks structurally manageable for a household budget under your own housing assumptions. Property Tax in Jacksonville, FL Est. Annual Property Tax $2,428 Monthly Impact $202 Added to your mortgage Effective Rate 0.86 % National avg: ~1.00% Florida Place Tax Context Tax Type Florida National Avg Property Tax Rate 0.86 % 1.00% Top Income Tax Rate No State Income Tax ~5.0% State Sales Tax 7.01% ~5.0% Compare Jacksonville to Another City Compare housing, rent, groceries, utilities, services, and tax context to see where a move would tighten or loosen the monthly budget. Cost of Living Comparison Compare place-side housing, rent, goods, services, and utility pressure between cities. Moving From Jacksonville, FL Cost Index 98 Rent Index 117 Moving To Loading cities... Cost Index --- Rent Index --- Cost Index Comparison (100 = National Avg) Housing Costs National Avg: 100 Jacksonville, FL : 93 Rent Prices 117 FAQ: Living in Jacksonville What is the cost of living like in Jacksonville, FL? + Living costs in Jacksonville land close to the national average, with a Cost Index of 98 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $282,367, and typical monthly rents run around $1,576. Groceries and utilities are slightly below what you would find in most US cities. How does Jacksonville fit a household housing budget? + Start with housing. Typical monthly rent is $1,576, while local median household income is $66,981. That implies a rent-burden proxy of about 28% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions. How much are taxes in Jacksonville, FL? + Florida is one of the few states with no state income tax, which can save residents thousands of dollars per year. The effective property tax rate is 0.86%. On a home worth $282,367, that translates to roughly $2,428 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases. How much does it cost to rent in Jacksonville, FL? + The typical monthly rent in Jacksonville is around $1,576. That's about 17% higher than the $1,348 national median. For comparison, the median home value here is $282,367, so buyers should also factor in mortgage payments, property taxes, and insurance. How much does a house cost in Jacksonville, FL? + The median home in Jacksonville is valued at $282,367. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,428/month for principal and interest alone — before property taxes and insurance. About 57% of residents here own their homes. Are groceries and utilities expensive in Jacksonville? + Grocery prices in Jacksonville are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city. What is Jacksonville, FL like to live in? + Jacksonville is a major city with a population of about 961,739. The median age of residents is 36.4, which is close to the national median. The local poverty rate is 15.03%, near the national average of 12.4%. Lower-Pressure Alternatives in Florida If Jacksonville feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure. Fussels Corner, FL Rent burden 17% · Price-to-income 1.5x Lake Butler, FL Rent burden 16% · Price-to-income 1.5x Zephyrhills West, FL Rent burden 24% · Price-to-income 1.8x Southeast Arcadia, FL Rent burden 21% · Price-to-income 2.4x Higher-Pressure Comparisons in Florida Use these city pages when you want to compare Jacksonville against tougher same-state markets before deciding whether the current city is already a stretch. Opa-locka, FL Rent burden 46% · Price-to-income 14.6x West Miami, FL Rent burden 46% · Price-to-income 11.5x Sunny Isles Beach, FL Rent burden 41% · Price-to-income 11.0x Brownsville, FL Rent burden 36% · Price-to-income 10.8x More Cities in Florida Miami, FL Tampa, FL Orlando, FL St. Petersburg, FL Hialeah, FL Port St. Lucie, FL View All Florida Cities → LC Reviewed by LivabilityCalc Research Team Financial Data Analysts · Census & Economic Data Specialists Data Sources & Methodology Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates. Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages. Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED). Tax Context: State-level property, sales, and income-tax inputs used to explain how relocation budgets and housing pressure change from one place to another. Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. ( Read methodology details ) Last data update: March 2026 · Mortgage rates updated monthly