Cost of Living Comparison Between Jacksonville, FL and Zephyrhills, FL Cost of Living Comparison Between Jacksonville, FL and Zephyrhills, FL

Monthly Cost of Living

A single person spends $2,387 per month in Jacksonville, FL vs $2,560 in Zephyrhills, FL, rent included.

A couple spends around $3,685 per month in Jacksonville, FL vs $3,603 in Zephyrhills, FL, rent included.

A family of three spends $4,984 per month in Jacksonville, FL vs $4,645 in Zephyrhills, FL, rent included.

Jacksonville, FL is about 7% cheaper than Zephyrhills, FL, driven mainly by Groceries & Markets.

Both Jacksonville, FL and Zephyrhills, FL sit above the global median – Jacksonville, FL by 74%, Zephyrhills, FL by 87%.

Meal at Budget Restaurant

$19.76 $19.76

$20.28 $20.28

-2.56%

Three-Course Dinner for Two, Mid-Range

$101 $101

$75.5 $75.5

34.42%

Fast Food Meal (McDonalds, etc)

$12.11 $12.11

$11.35 $11.35

6.70%

Cappuccino

$5.52 $5.52

$5.21 $5.21

5.95%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.87 $2.87

$2.61 $2.61

9.96%

Water (0.33 liter bottle)

$2.15 $2.15

$1.97 $1.97

9.14%

Local Beer (0.5 liter draught)

$4.87 $4.87

$6.03 $6.03

-19.24%

Imported Beer (0.33 liter bottle)

$6.89 $6.89

$7.17 $7.17

-3.91%

Milk (1 liter)

$0.89 $0.89

$1.22 $1.22

-27.05%

White Bread (500g)

$3.10 $3.10

$2.33 $2.33

33.05%

Rice (white) (1kg)

$3.83 $3.83

$2.66 $2.66

43.98%

Eggs

$4.38 $4.38

$3.30 $3.30

32.73%

Local Cheese (1kg)

$14.03 $14.03

$12.56 $12.56

11.70%

Chicken Fillets (1kg)

$9.39 $9.39

$13.25 $13.25

-29.13%

Beef Round Steak (1kg)

$16.19 $16.19

$33.47 $33.47

-51.63%

Apples (1kg)

$4.68 $4.68

$4.55 $4.55

2.86%

Banana (1kg)

$1.48 $1.48

$1.47 $1.47

0.68%

Oranges (1kg)

$3.89 $3.89

$3.24 $3.24

20.06%

Tomato (1kg)

$4.68 $4.68

$6.47 $6.47

-27.67%

Potato (1kg)

$2.83 $2.83

$3.39 $3.39

-16.52%

Onion (1kg)

$2.94 $2.94

$3.61 $3.61

-18.56%

Lettuce (1 head)

$2.50 $2.50

$3.83 $3.83

-34.73%

Water (1.5 liter bottle)

$2.42 $2.42

$2.29 $2.29

5.68%

Cigarettes 20 Pack (Marlboro, Camel)

$9.82 $9.82

$10.13 $10.13

-3.06%

Wine (Bottle)

$14.52 $14.52

$14.94 $14.94

-2.81%

Local Beer (0.5 liter bottle)

$2.07 $2.07

$1.98 $1.98

4.55%

Imported Beer (0.33 liter bottle)

$3.13 $3.13

$3.27 $3.27

-4.28%

One-way Ticket (Public Transport)

$1.92 $1.92

$2.05 $2.05

-6.34%

Public Transport Monthly Pass (Regular Price)

$62.2 $62.2

Taxi Start (Normal Tariff)

$1.46 $1.46

$2.96 $2.96

-50.68%

Taxi (Normal Tariff) (1km)

$1.14 $1.14

$1.76 $1.76

-35.23%

Taxi 1hour Waiting (Normal Tariff)

$14.05 $14.05

$30.42 $30.42

-53.81%

Gasoline (1 liter)

$1.00 $1.00

$0.93 $0.93

7.53%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$36.7K $36.7K

$35.8K $35.8K

2.67%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.1K $25.1K

$25.6K $25.6K

-1.86%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$197 $197

-0.18%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$58.9 $58.9

$58.6 $58.6

0.61%

Internet (50+ Mbps, Unlimited Data)

$67.1 $67.1

$69.8 $69.8

-3.81%

Gym Membership (Monthly)

$42.41 $42.41

$42.42 $42.42

-0.02%

Tennis Court (1 Hour on Weekend)

$6.50 $6.50

Cinema Ticket

$15.11 $15.11

$14.28 $14.28

5.81%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,302 $1,302

$1,441 $1,441

-9.66%

International Primary School, 1 Child (Yearly)

$12.1K $12.1K

$23.1K $23.1K

-47.68%

Jeans (Levis 501 Or Similar)

$63.2 $63.2

$53.0 $53.0

19.24%

Summer Dress (H&M, Zara, etc)

$47.48 $47.48

$41.07 $41.07

15.61%

Sport Shoes (Adidas, Nike)

$110 $110

$88.9 $88.9

23.52%

Men's Leather Business Shoes

$153 $153

$115 $115

32.54%

1-bedroom Apartment, City Center (Monthly)

$1,646 $1,646

$1,575 $1,575

4.49%

1-bedroom Apartment, Outside City Center (Monthly)

$1,109 $1,109

$1,273 $1,273

-12.92%

3-bedroom Apartment, City Center (Monthly)

$2,594 $2,594

$1,774 $1,774

46.21%

3-bedroom Apartment, Outside City Center (Monthly)

$1,959 $1,959

$1,732 $1,732

13.09%

Buy Apartment in City Center (m2)

$2,450 $2,450

$2,716 $2,716

-9.80%

Buy Apartment Outside City Center (m2)

$2,085 $2,085

$2,399 $2,399

-13.07%

Average Monthly Net Salary (After Tax)

$3,999 $3,999

$3,578 $3,578

11.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.19

6.12

1.14%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Jacksonville, FL: September 13, 2026

Last update for Zephyrhills, FL: September 14, 2026

Cost Breakdown

A central one-bedroom costs $1,646 in Jacksonville, FL versus $1,575 in Zephyrhills, FL. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 12% higher in Jacksonville, FL, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $101 in Jacksonville, FL versus $75.0 in Zephyrhills, FL. Groceries tell a different story – $381 in Jacksonville, FL vs $447 in Zephyrhills, FL – so Jacksonville, FL wins on supermarket bills even if dining out costs more.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Jacksonville, FL vs Zephyrhills, FL: Cost of Living - Frequently Asked Questions

Zephyrhills, FL costs about 7% more than Jacksonville, FL, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,580 per month in Jacksonville, FL and $3,841 in Zephyrhills, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Jacksonville, FL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,387 in Jacksonville, FL and $2,560 in Zephyrhills, FL. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $1,302 per month in Jacksonville, FL and $1,441 in Zephyrhills, FL. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,387 in Jacksonville, FL and $2,560 in Zephyrhills, FL. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Jacksonville, FL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Jacksonville, FL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Zephyrhills, FL makes more sense. Both are solid long-term options with distinct trade-offs.