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 $2,501 per month in Jacksonville, FL vs $2,450 in Zephyrhills, FL, rent included.

A couple spends around $3,784 per month in Jacksonville, FL vs $3,549 in Zephyrhills, FL, rent included.

A family of three spends $5,067 per month in Jacksonville, FL vs $4,649 in Zephyrhills, FL, rent included.

Jacksonville, FL costs about 2% more than Zephyrhills, FL, driven mainly by Getting Around.

Both Jacksonville, FL and Zephyrhills, FL sit above the global median – Jacksonville, FL by 87%, Zephyrhills, FL by 83%.

Meal at Budget Restaurant

$19.73 $19.73

$20.33 $20.33

-2.95%

Three-Course Dinner for Two, Mid-Range

$85.0 $85.0

$90.9 $90.9

-6.45%

Fast Food Meal (McDonalds, etc)

$11.87 $11.87

$10.08 $10.08

17.76%

Cappuccino

$4.69 $4.69

$5.44 $5.44

-13.79%

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

$3.00 $3.00

$3.13 $3.13

-4.15%

Water (0.33 liter bottle)

$2.37 $2.37

$2.70 $2.70

-12.22%

Local Beer (0.5 liter draught)

$4.62 $4.62

$5.89 $5.89

-21.56%

Imported Beer (0.33 liter bottle)

$5.40 $5.40

$8.03 $8.03

-32.75%

Milk (1 liter)

$1.11 $1.11

$1.18 $1.18

-5.93%

White Bread (500g)

$3.74 $3.74

$2.30 $2.30

62.61%

Rice (white) (1kg)

$3.03 $3.03

$2.60 $2.60

16.54%

Eggs

$4.81 $4.81

$1.49 $1.49

222.82%

Local Cheese (1kg)

$13.99 $13.99

$13.21 $13.21

5.90%

Chicken Fillets (1kg)

$9.10 $9.10

$12.05 $12.05

-24.48%

Beef Round Steak (1kg)

$14.59 $14.59

$22.94 $22.94

-36.40%

Apples (1kg)

$4.46 $4.46

$4.44 $4.44

0.45%

Banana (1kg)

$1.46 $1.46

$1.47 $1.47

-0.68%

Oranges (1kg)

$3.24 $3.24

$3.23 $3.23

0.31%

Tomato (1kg)

$3.99 $3.99

$5.56 $5.56

-28.24%

Potato (1kg)

$2.73 $2.73

$3.27 $3.27

-16.51%

Onion (1kg)

$3.46 $3.46

$3.38 $3.38

2.37%

Lettuce (1 head)

$3.02 $3.02

$2.44 $2.44

23.77%

Water (1.5 liter bottle)

$2.59 $2.59

$1.09 $1.09

137.61%

Cigarettes 20 Pack (Marlboro, Camel)

$8.09 $8.09

$7.95 $7.95

1.76%

Wine (Bottle)

$14.65 $14.65

$15.23 $15.23

-3.81%

Local Beer (0.5 liter bottle)

$1.98 $1.98

$2.08 $2.08

-4.81%

Imported Beer (0.33 liter bottle)

$3.27 $3.27

$4.47 $4.47

-26.85%

One-way Ticket (Public Transport)

$1.94 $1.94

$2.05 $2.05

-5.37%

Public Transport Monthly Pass (Regular Price)

$62.1 $62.1

Taxi Start (Normal Tariff)

$4.01 $4.01

$2.40 $2.40

67.08%

Taxi (Normal Tariff) (1km)

$2.53 $2.53

$1.66 $1.66

52.41%

Taxi 1hour Waiting (Normal Tariff)

$24.59 $24.59

$28.89 $28.89

-14.88%

Gasoline (1 liter)

$0.86 $0.86

$0.91 $0.91

-5.49%

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

$26.5K $26.5K

$29.9K $29.9K

-11.24%

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

$24.7K $24.7K

$21.8K $21.8K

13.08%

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

$195 $195

$159 $159

22.88%

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

$44.16 $44.16

$47.76 $47.76

-7.54%

Internet (50+ Mbps, Unlimited Data)

$59.4 $59.4

$73.4 $73.4

-19.08%

Gym Membership (Monthly)

$34.41 $34.41

$43.54 $43.54

-20.97%

Tennis Court (1 Hour on Weekend)

$15.85 $15.85

Cinema Ticket

$13.73 $13.73

$15.02 $15.02

-8.59%

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

$1,338 $1,338

$1,093 $1,093

22.34%

International Primary School, 1 Child (Yearly)

$11.0K $11.0K

$17.9K $17.9K

-38.42%

Jeans (Levis 501 Or Similar)

$56.1 $56.1

$61.3 $61.3

-8.50%

Summer Dress (H&M, Zara, etc)

$45.58 $45.58

$44.31 $44.31

2.87%

Sport Shoes (Adidas, Nike)

$89.0 $89.0

$98.1 $98.1

-9.19%

Men's Leather Business Shoes

$84.8 $84.8

$131 $131

-35.43%

1-bedroom Apartment, City Center (Monthly)

$1,585 $1,585

$1,403 $1,403

13.00%

1-bedroom Apartment, Outside City Center (Monthly)

$1,242 $1,242

$1,220 $1,220

1.84%

3-bedroom Apartment, City Center (Monthly)

$2,874 $2,874

$1,786 $1,786

60.89%

3-bedroom Apartment, Outside City Center (Monthly)

$2,148 $2,148

$1,734 $1,734

23.86%

Buy Apartment in City Center (m2)

$2,402 $2,402

$2,696 $2,696

-10.89%

Buy Apartment Outside City Center (m2)

$2,061 $2,061

$2,185 $2,185

-5.68%

Average Monthly Net Salary (After Tax)

$3,879 $3,879

$3,605 $3,605

7.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.53

6.63

-1.51%

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

Last update for Jacksonville, FL: April 25, 2026

Last update for Zephyrhills, FL: April 27, 2026

Cost Breakdown

A central one-bedroom costs $1,585 in Jacksonville, FL versus $1,403 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 8% higher in Jacksonville, FL, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $85.0 in Jacksonville, FL versus $91.0 in Zephyrhills, FL. Monthly groceries follow the same trend: $379 vs $381 – making Jacksonville, FL the more affordable choice for daily food spending.

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

Jacksonville, FL costs about 2% more than Zephyrhills, FL, with the gap driven mainly by Getting Around. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,751 per month in Jacksonville, FL and $3,674 in Zephyrhills, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Zephyrhills, 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 $2,501 in Jacksonville, FL and $2,450 in Zephyrhills, FL. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $1,338 per month in Jacksonville, FL and $1,093 in Zephyrhills, FL. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $3,000 monthly budget goes further in Zephyrhills, FL, where all-in costs run around $2,450, than in Jacksonville, FL at $2,501. In Zephyrhills, FL it covers expenses comfortably, while in Jacksonville, FL it requires careful planning or may not stretch far enough.

Families tend to lean toward Zephyrhills, 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 Zephyrhills, FL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Jacksonville, FL makes more sense. Both are solid long-term options with distinct trade-offs.