Jacksonville vs San Jose: Cost of Living Comparison
How does the cost of living in Jacksonville, Florida compare to San Jose, California? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: Jacksonville is the more affordable city overall. Housing costs are 79% lower in Jacksonville compared to San Jose, while rent is 49% lower. FL has no state income tax.
| Metric | Jacksonville, FL | San Jose, CA | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $243,000 | $1,149,600 | -78.9% |
| Median Monthly Rent | $1,281 | $2,526 | -49.3% |
| Income | |||
| Median Household Income | $64,138 | $136,010 | -52.8% |
| Per Capita Income | $35,870 | $59,913 | -40.1% |
| Taxes | |||
| State Income Tax Rate | None | 13.3% | -100.0% |
| Combined Sales Tax | 7.0% | 8.7% | -19.2% |
| Demographics | |||
| Population | 950,203 | 1,001,176 | -5.1% |
Source: U.S. Census Bureau ACS 5-Year Estimates (2022), Freddie Mac Primary Mortgage Market Survey. State/local tax rates from Tax Foundation (2024).
Rent vs. Buy Calculator — Jacksonville
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Rent vs. Buy Calculator — San Jose
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Key Takeaways
- Housing: The median home in Jacksonville costs $243,000 compared to $1,149,600 in San Jose — a 79% discount.
- Rent: Median rent is $1,281/mo in Jacksonville vs $2,526/mo in San Jose.
- Income: Median household income is $64,138 in Jacksonville and $136,010 in San Jose.
- Taxes: Florida has no state income tax, while California has a 13.3% rate.
Methodology
This comparison uses data from the U.S. Census Bureau American Community Survey 5-Year Estimates (2022) for median household income, median home value, median gross rent, per capita income, and population. State and local tax rates are sourced from the Tax Foundation. Mortgage rates are from the Freddie Mac Primary Mortgage Market Survey (updated weekly).