Last update: Nov 2026

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

For one person, living is cheaper in Jacksonville, FL: $2,484 a month against $2,624 in Zephyrhills, FL, rent and utilities included – about $1,700 less a year. Rent and utilities account for most of the difference.

118

Cost of Living Index in Jacksonville, FL
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Jacksonville, FL Living Index
127

Cost of Living Index in Zephyrhills, FL
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Zephyrhills, FL Living Index

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Jacksonville, FL

🇺🇸 United States

$2,484

/mo nomad

Zephyrhills, FL

🇺🇸 United States

$2,624

/mo nomad

Monthly Cost of Living

How much you'll spend in Jacksonville, FL and in Zephyrhills, FL

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Jacksonville, FL and in Zephyrhills, FL actually costs, broken down by who's living it.

A single person spends $2,484 per month in Jacksonville, FL vs $2,624 in Zephyrhills, FL, rent included.

Jacksonville, FL $2,484
Zephyrhills, FL $2,624

A couple spends around $3,760 per month in Jacksonville, FL vs $3,708 in Zephyrhills, FL, rent included.

Jacksonville, FL $3,760
Zephyrhills, FL $3,708

A family of three spends $5,036 per month in Jacksonville, FL vs $4,793 in Zephyrhills, FL, rent included.

Jacksonville, FL $5,036
Zephyrhills, FL $4,793

Jacksonville, FL is about 5% cheaper than Zephyrhills, FL, and outside of rent the biggest gap is in groceries.

Both Jacksonville, FL and Zephyrhills, FL sit above the global median – Jacksonville, FL by 84%, Zephyrhills, FL by 94%.

Meal at Budget Restaurant

$20.01 $20.01

$19.47 $19.47

2.77%

Three-Course Dinner for Two, Mid-Range

$102 $102

$84.0 $84.0

20.99%

Fast Food Meal (McDonalds, etc)

$11.33 $11.33

$11.55 $11.55

-1.90%

Cappuccino

$5.69 $5.69

$5.65 $5.65

0.71%

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

$3.14 $3.14

$2.70 $2.70

16.30%

Water (0.33 liter bottle)

$2.25 $2.25

$2.02 $2.02

11.39%

Local Beer (0.5 liter draught)

$5.05 $5.05

$5.43 $5.43

-7.00%

Imported Beer (0.33 liter bottle)

$7.16 $7.16

$6.73 $6.73

6.39%

Milk (1 liter)

$1.01 $1.01

$1.19 $1.19

-15.13%

White Bread (500g)

$3.11 $3.11

$2.22 $2.22

40.09%

Rice (white) (1kg)

$3.83 $3.83

$2.56 $2.56

49.61%

Eggs

$4.44 $4.44

$3.35 $3.35

32.54%

Local Cheese (1kg)

$14.22 $14.22

$12.61 $12.61

12.77%

Chicken Fillets (1kg)

$9.86 $9.86

$13.36 $13.36

-26.20%

Beef Round Steak (1kg)

$15.88 $15.88

$34.15 $34.15

-53.50%

Apples (1kg)

$4.63 $4.63

$4.53 $4.53

2.21%

Banana (1kg)

$1.45 $1.45

$1.51 $1.51

-3.97%

Oranges (1kg)

$3.83 $3.83

$3.24 $3.24

18.21%

Tomato (1kg)

$4.59 $4.59

$6.50 $6.50

-29.38%

Potato (1kg)

$2.91 $2.91

$3.40 $3.40

-14.41%

Onion (1kg)

$3.14 $3.14

$3.60 $3.60

-12.78%

Lettuce (1 head)

$2.61 $2.61

$3.72 $3.72

-29.84%

Water (1.5 liter bottle)

$2.39 $2.39

$2.31 $2.31

3.46%

Cigarettes 20 Pack (Marlboro, Camel)

$9.39 $9.39

$9.44 $9.44

-0.53%

Wine (Bottle)

$15.33 $15.33

$15.16 $15.16

1.12%

Local Beer (0.5 liter bottle)

$2.16 $2.16

$1.74 $1.74

24.14%

Imported Beer (0.33 liter bottle)

$3.08 $3.08

$3.71 $3.71

-16.98%

One-way Ticket (Public Transport)

$1.78 $1.78

$2.28 $2.28

-21.93%

Public Transport Monthly Pass (Regular Price)

$65.5 $65.5

$54.7 $54.7

19.85%

Taxi Start (Normal Tariff)

$1.53 $1.53

$3.94 $3.94

-61.17%

Taxi (Normal Tariff) (1km)

$1.16 $1.16

$1.75 $1.75

-33.71%

Taxi 1hour Waiting (Normal Tariff)

$13.94 $13.94

$29.43 $29.43

-52.63%

Gasoline (1 liter)

$1.09 $1.09

$0.86 $0.86

26.74%

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

$30.9K $30.9K

$31.1K $31.1K

-0.50%

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

$26.6K $26.6K

$25.9K $25.9K

2.42%

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

$216 $216

$178 $178

21.40%

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

$62.6 $62.6

$54.1 $54.1

15.78%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$69.7 $69.7

-2.88%

Gym Membership (Monthly)

$34.78 $34.78

$34.10 $34.10

1.99%

Tennis Court (1 Hour on Weekend)

$6.28 $6.28

Cinema Ticket

$14.69 $14.69

$15.83 $15.83

-7.20%

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

$1,289 $1,289

$1,374 $1,374

-6.20%

International Primary School, 1 Child (Yearly)

$20.8K $20.8K

$21.6K $21.6K

-3.88%

Jeans (Levis 501 Or Similar)

$63.7 $63.7

$52.8 $52.8

20.66%

Summer Dress (H&M, Zara, etc)

$48.12 $48.12

$35.99 $35.99

33.70%

Sport Shoes (Adidas, Nike)

$112 $112

$89.0 $89.0

25.51%

Men's Leather Business Shoes

$153 $153

$120 $120

27.46%

1-bedroom Apartment, City Center (Monthly)

$1,664 $1,664

$1,563 $1,563

6.46%

1-bedroom Apartment, Outside City Center (Monthly)

$1,115 $1,115

$1,280 $1,280

-12.89%

3-bedroom Apartment, City Center (Monthly)

$2,607 $2,607

$1,782 $1,782

46.34%

3-bedroom Apartment, Outside City Center (Monthly)

$1,910 $1,910

$1,739 $1,739

9.82%

Buy Apartment in City Center (m2)

$2,370 $2,370

$2,671 $2,671

-11.27%

Buy Apartment Outside City Center (m2)

$2,110 $2,110

$2,053 $2,053

2.75%

Average Monthly Net Salary (After Tax)

$4,063 $4,063

$3,590 $3,590

13.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.88

6.59

4.40%

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

Last update for Jacksonville, FL: November 2, 2026

Last update for Zephyrhills, FL: November 2, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Jacksonville, FL

$1.1K 44.9%

Zephyrhills, FL

$1.3K 48.8% 14.8% $165

Groceries & Markets

Jacksonville, FL

$386 15.5%

Zephyrhills, FL

$448 17.1% 16.3% $63

Monthly Utilities & Internet

Jacksonville, FL

$346 13.9%

Zephyrhills, FL

$302 11.5% 12.9% $45

Eating Out

Jacksonville, FL

$323 13%

Zephyrhills, FL

$318 12.1% 1.8% $5.9

Clothing & Footwear

Jacksonville, FL

$170 6.8%

Zephyrhills, FL

$134 5.1% 20.9% $35

Getting Around

Jacksonville, FL

$80 3.2%

Zephyrhills, FL

$76 2.9% 4.4% $3.5

Sport & Entertainment

Jacksonville, FL

$64 2.6%

Zephyrhills, FL

$66 2.5% 2.5% $1.6

Cost Breakdown

A central one-bedroom costs $1,664 in Jacksonville, FL versus $1,563 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 13% 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 $102 in Jacksonville, FL versus $84 in Zephyrhills, FL. Groceries tell a different story – $386 in Jacksonville, FL vs $448 in Zephyrhills, FL – so Jacksonville, FL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Jacksonville, FL

🇺🇸 Zephyrhills, FL

🕒 Local time

12:21 12:21 PM

Same time as Jacksonville, FL

🌤 Weather

👥 Population

949,611

18,154

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Jacksonville, FL Zephyrhills, FL 240 km

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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 6% more than Jacksonville, FL, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,726 per month in Jacksonville, FL and $3,936 in Zephyrhills, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,664 in Jacksonville, FL and $1,563 in Zephyrhills, FL. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

A mid-range dinner for two costs $102 in Jacksonville, FL and $84 in Zephyrhills, FL. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,484 in Jacksonville, FL and $2,624 in Zephyrhills, FL. That makes Jacksonville, FL about 5% cheaper.

$2,000 is a stretch for both – monthly costs hit $2,484 in Jacksonville, FL and $2,624 in Zephyrhills, FL. You’ll need shared housing and careful budgeting no matter which city you pick.