Last update: Oct 2026

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

For one person, living costs are similar in Zephyrhills, FL and in Jacksonville, FL: $2,622 and $2,520 a month, rent and utilities included.

127

Cost of Living Index in Zephyrhills, FL
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Zephyrhills, FL Living Index
122

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

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Zephyrhills, FL

🇺🇸 United States

$2,622

/mo nomad

Jacksonville, FL

🇺🇸 United States

$2,520

/mo nomad

Monthly Cost of Living

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

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

A single person spends $2,622 per month in Zephyrhills, FL vs $2,520 in Jacksonville, FL, rent included.

Zephyrhills, FL $2,622
Jacksonville, FL $2,520

A couple spends around $3,669 per month in Zephyrhills, FL vs $3,845 in Jacksonville, FL, rent included.

Zephyrhills, FL $3,669
Jacksonville, FL $3,845

A family of three spends $4,717 per month in Zephyrhills, FL vs $5,169 in Jacksonville, FL, rent included.

Zephyrhills, FL $4,717
Jacksonville, FL $5,169

Zephyrhills, FL costs about 4% more than Jacksonville, FL, and outside of rent the biggest gap is in transport.

Both Zephyrhills, FL and Jacksonville, FL sit above the global median – Zephyrhills, FL by 94%, Jacksonville, FL by 86%.

Meal at Budget Restaurant

$19.37 $19.37

$19.75 $19.75

-1.92%

Three-Course Dinner for Two, Mid-Range

$79.0 $79.0

$99.0 $99.0

-20.14%

Fast Food Meal (McDonalds, etc)

$10.98 $10.98

$11.47 $11.47

-4.27%

Cappuccino

$6.12 $6.12

$5.59 $5.59

9.48%

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

$2.95 $2.95

$3.02 $3.02

-2.32%

Water (0.33 liter bottle)

$1.84 $1.84

$2.18 $2.18

-15.60%

Local Beer (0.5 liter draught)

$5.89 $5.89

$5.05 $5.05

16.63%

Imported Beer (0.33 liter bottle)

$7.85 $7.85

$7.17 $7.17

9.48%

Milk (1 liter)

$1.17 $1.17

$0.96 $0.96

21.87%

White Bread (500g)

$2.21 $2.21

$3.33 $3.33

-33.63%

Rice (white) (1kg)

$2.55 $2.55

$3.71 $3.71

-31.27%

Eggs

$3.34 $3.34

$4.59 $4.59

-27.23%

Local Cheese (1kg)

$12.30 $12.30

$14.06 $14.06

-12.52%

Chicken Fillets (1kg)

$13.07 $13.07

$9.51 $9.51

37.43%

Beef Round Steak (1kg)

$33.51 $33.51

$16.04 $16.04

108.92%

Apples (1kg)

$4.34 $4.34

$4.63 $4.63

-6.26%

Banana (1kg)

$1.51 $1.51

$1.46 $1.46

3.42%

Oranges (1kg)

$3.11 $3.11

$3.81 $3.81

-18.37%

Tomato (1kg)

$6.38 $6.38

$4.62 $4.62

38.10%

Potato (1kg)

$3.31 $3.31

$2.88 $2.88

14.93%

Onion (1kg)

$3.66 $3.66

$3.13 $3.13

16.93%

Lettuce (1 head)

$3.78 $3.78

$2.67 $2.67

41.57%

Water (1.5 liter bottle)

$2.20 $2.20

$2.42 $2.42

-9.09%

Cigarettes 20 Pack (Marlboro, Camel)

$10.82 $10.82

$9.19 $9.19

17.74%

Wine (Bottle)

$14.92 $14.92

$14.71 $14.71

1.43%

Local Beer (0.5 liter bottle)

$2.02 $2.02

$2.14 $2.14

-5.61%

Imported Beer (0.33 liter bottle)

$3.06 $3.06

$3.19 $3.19

-4.08%

One-way Ticket (Public Transport)

$1.74 $1.74

$1.93 $1.93

-9.84%

Public Transport Monthly Pass (Regular Price)

$62.6 $62.6

Taxi Start (Normal Tariff)

$3.53 $3.53

$1.52 $1.52

132.24%

Taxi (Normal Tariff) (1km)

$1.61 $1.61

$1.16 $1.16

38.79%

Taxi 1hour Waiting (Normal Tariff)

$28.20 $28.20

$13.54 $13.54

108.27%

Gasoline (1 liter)

$0.92 $0.92

$1.05 $1.05

-12.38%

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

$29.9K $29.9K

$31.6K $31.6K

-5.47%

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

$26.5K $26.5K

-0.29%

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

$220 $220

$210 $210

4.80%

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

$51.9 $51.9

$63.0 $63.0

-17.66%

Internet (50+ Mbps, Unlimited Data)

$68.9 $68.9

$68.3 $68.3

0.94%

Gym Membership (Monthly)

$44.35 $44.35

$42.31 $42.31

4.82%

Tennis Court (1 Hour on Weekend)

$6.58 $6.58

Cinema Ticket

$14.77 $14.77

$14.62 $14.62

1.03%

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

$1,278 $1,278

$1,299 $1,299

-1.63%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$12.0K $12.0K

78.99%

Jeans (Levis 501 Or Similar)

$53.3 $53.3

$62.6 $62.6

-14.90%

Summer Dress (H&M, Zara, etc)

$43.98 $43.98

$48.19 $48.19

-8.74%

Sport Shoes (Adidas, Nike)

$88.1 $88.1

$113 $113

-21.94%

Men's Leather Business Shoes

$112 $112

$149 $149

-24.75%

1-bedroom Apartment, City Center (Monthly)

$1,573 $1,573

$1,658 $1,658

-5.13%

1-bedroom Apartment, Outside City Center (Monthly)

$1,289 $1,289

$1,157 $1,157

11.49%

3-bedroom Apartment, City Center (Monthly)

$1,797 $1,797

$2,583 $2,583

-30.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,758 $1,758

$2,061 $2,061

-14.72%

Buy Apartment in City Center (m2)

$2,596 $2,596

$2,449 $2,449

5.98%

Buy Apartment Outside City Center (m2)

$2,688 $2,688

$2,161 $2,161

24.35%

Average Monthly Net Salary (After Tax)

$3,623 $3,623

$4,011 $4,011

-9.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

6.69

-1.79%

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

Last update for Zephyrhills, FL: October 19, 2026

Last update for Jacksonville, FL: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Zephyrhills, FL

$1.3K 49.2%

Jacksonville, FL

$1.2K 45.9% 10.3% $133

Groceries & Markets

Zephyrhills, FL

$440 16.8%

Jacksonville, FL

$385 15.3% 12.4% $55

Monthly Utilities & Internet

Zephyrhills, FL

$341 13%

Jacksonville, FL

$341 13.5% 0.1% $0.4

Eating Out

Zephyrhills, FL

$326 12.4%

Jacksonville, FL

$320 12.7% 1.8% $5.9

Clothing & Footwear

Zephyrhills, FL

$134 5.1%

Jacksonville, FL

$168 6.7% 25.3% $34

Sport & Entertainment

Zephyrhills, FL

$74 2.8%

Jacksonville, FL

$72 2.8% 3.2% $2.3

Getting Around

Zephyrhills, FL

$19 * 0.7%

Jacksonville, FL

$78 3.1% 319% $59

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,573 in Zephyrhills, FL versus $1,658 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 11% 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 $79.0 in Zephyrhills, FL versus $99.0 in Jacksonville, FL. Groceries tell a different story – $440 in Zephyrhills, FL vs $385 in Jacksonville, FL – so Jacksonville, FL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Zephyrhills, FL

🇺🇸 Jacksonville, FL

🕒 Local time

09:57 9:57 AM

Same time as Zephyrhills, FL

🌤 Weather

👥 Population

18,154

949,611

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Zephyrhills, FL Jacksonville, FL 240 km

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Zephyrhills, FL
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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

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

Zephyrhills, FL costs about 4% more than Jacksonville, FL, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,933 per month in Zephyrhills, FL and $3,780 in Jacksonville, 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 $2,622 in Zephyrhills, FL and $2,520 in Jacksonville, FL. That's a gap of about 4%.

Kindergarten costs $1,278 per month in Zephyrhills, FL and $1,299 in Jacksonville, 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 $2,622 in Zephyrhills, FL and $2,520 in Jacksonville, 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.