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

Monthly Cost of Living

A single person spends $2,433 per month in Zephyrhills, FL vs $2,459 in Jacksonville, FL, rent included.

A couple spends around $3,494 per month in Zephyrhills, FL vs $3,692 in Jacksonville, FL, rent included.

A family of three spends $4,555 per month in Zephyrhills, FL vs $4,925 in Jacksonville, FL, rent included.

Zephyrhills, FL is about 1% cheaper than Jacksonville, FL, driven mainly by Getting Around.

Both Zephyrhills, FL and Jacksonville, FL sit above the global median – Zephyrhills, FL by 82%, Jacksonville, FL by 84%.

Meal at Budget Restaurant

$19.93 $19.93

$19.63 $19.63

1.53%

Three-Course Dinner for Two, Mid-Range

$89.6 $89.6

$84.9 $84.9

5.51%

Fast Food Meal (McDonalds, etc)

$9.84 $9.84

$12.01 $12.01

-18.07%

Cappuccino

$5.64 $5.64

$4.90 $4.90

15.10%

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

$3.03 $3.03

$3.00 $3.00

1.00%

Water (0.33 liter bottle)

$2.57 $2.57

$2.29 $2.29

12.23%

Local Beer (0.5 liter draught)

$5.96 $5.96

$4.87 $4.87

22.38%

Imported Beer (0.33 liter bottle)

$8.12 $8.12

$5.53 $5.53

46.84%

Milk (1 liter)

$1.14 $1.14

$1.07 $1.07

6.54%

White Bread (500g)

$2.21 $2.21

$3.83 $3.83

-42.30%

Rice (white) (1kg)

$2.56 $2.56

$3.01 $3.01

-14.95%

Eggs

$1.56 $1.56

$4.80 $4.80

-67.50%

Local Cheese (1kg)

$13.17 $13.17

$13.73 $13.73

-4.08%

Chicken Fillets (1kg)

$11.95 $11.95

$9.48 $9.48

26.05%

Beef Round Steak (1kg)

$22.67 $22.67

$14.61 $14.61

55.17%

Apples (1kg)

$4.38 $4.38

$4.37 $4.37

0.23%

Banana (1kg)

$1.45 $1.45

$1.48 $1.48

-2.03%

Oranges (1kg)

$3.21 $3.21

$3.26 $3.26

-1.53%

Tomato (1kg)

$5.68 $5.68

$4.13 $4.13

37.53%

Potato (1kg)

$3.24 $3.24

$2.79 $2.79

16.13%

Onion (1kg)

$3.38 $3.38

$3.32 $3.32

1.81%

Lettuce (1 head)

$2.48 $2.48

$2.99 $2.99

-17.06%

Water (1.5 liter bottle)

$1.13 $1.13

$2.71 $2.71

-58.30%

Cigarettes 20 Pack (Marlboro, Camel)

$8.13 $8.13

$7.83 $7.83

3.83%

Wine (Bottle)

$15.09 $15.09

$14.57 $14.57

3.57%

Local Beer (0.5 liter bottle)

$2.16 $2.16

$1.93 $1.93

11.92%

Imported Beer (0.33 liter bottle)

$4.47 $4.47

$3.39 $3.39

31.86%

One-way Ticket (Public Transport)

$1.96 $1.96

$1.99 $1.99

-1.51%

Public Transport Monthly Pass (Regular Price)

$61.8 $61.8

Taxi Start (Normal Tariff)

$2.41 $2.41

$4.03 $4.03

-40.20%

Taxi (Normal Tariff) (1km)

$1.67 $1.67

$2.43 $2.43

-31.28%

Taxi 1hour Waiting (Normal Tariff)

$29.63 $29.63

$25.44 $25.44

16.47%

Gasoline (1 liter)

$0.85 $0.85

$0.84 $0.84

1.19%

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

$29.9K $29.9K

$26.2K $26.2K

13.94%

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

$22.1K $22.1K

$24.8K $24.8K

-11.22%

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

$165 $165

$195 $195

-15.18%

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

$47.65 $47.65

$44.25 $44.25

7.68%

Internet (50+ Mbps, Unlimited Data)

$71.5 $71.5

$61.2 $61.2

16.74%

Gym Membership (Monthly)

$43.27 $43.27

$34.36 $34.36

25.93%

Tennis Court (1 Hour on Weekend)

$16.22 $16.22

Cinema Ticket

$15.28 $15.28

$13.77 $13.77

10.97%

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

$1,073 $1,073

$1,302 $1,302

-17.61%

International Primary School, 1 Child (Yearly)

$17.6K $17.6K

$11.0K $11.0K

60.02%

Jeans (Levis 501 Or Similar)

$61.2 $61.2

$56.9 $56.9

7.61%

Summer Dress (H&M, Zara, etc)

$45.22 $45.22

$46.43 $46.43

-2.61%

Sport Shoes (Adidas, Nike)

$102 $102

$86.1 $86.1

18.01%

Men's Leather Business Shoes

$131 $131

$85.6 $85.6

52.48%

1-bedroom Apartment, City Center (Monthly)

$1,418 $1,418

$1,577 $1,577

-10.10%

1-bedroom Apartment, Outside City Center (Monthly)

$1,215 $1,215

$1,209 $1,209

0.52%

3-bedroom Apartment, City Center (Monthly)

$1,784 $1,784

$2,917 $2,917

-38.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 $1,762

$2,135 $2,135

-17.49%

Buy Apartment in City Center (m2)

$2,317 $2,317

$2,399 $2,399

-3.40%

Buy Apartment Outside City Center (m2)

$2,418 $2,418

$2,069 $2,069

16.88%

Average Monthly Net Salary (After Tax)

$3,584 $3,584

$3,946 $3,946

-9.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.63

6.53

1.53%

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

Last update for Zephyrhills, FL: April 22, 2026

Last update for Jacksonville, FL: April 22, 2026

Cost Breakdown

A central one-bedroom costs $1,418 in Zephyrhills, FL versus $1,577 in Jacksonville, 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 10% 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 $90 in Zephyrhills, FL versus $85 in Jacksonville, FL. Groceries tell a different story – $379 in Zephyrhills, FL vs $382 in Jacksonville, FL – so Zephyrhills, 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

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

Jacksonville, FL costs about 1% 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 $3,649 per month in Zephyrhills, FL and $3,689 in Jacksonville, 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 $2,433 in Zephyrhills, FL and $2,459 in Jacksonville, FL. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $1,073 per month in Zephyrhills, FL and $1,302 in Jacksonville, 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 $2,433, than in Jacksonville, FL at $2,459. 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.