A+
14%
Overall NAT. AVG.
4%
Goods & Services NAT. AVG.
43%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Jacksonville Texas National
Cost of living8692100
Goods & Services9696100
Groceries9796100
Health care9994100
Housing5783100
Transportation10292100
Utilities107104100

An Overview of Cost of Living in Jacksonville, TX

Are you thinking about relocating, but curious about the potential cost of living in Jacksonville? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Jacksonville stands at 86, making it 14% lower than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

Jacksonville housing costs are 42.8% less than the national average, making this area an affordable place to live. Your net income can be heavily impacted by housing expenses, at times exceeding 30%. Fortunately, this area demonstrates that both homeownership and renting costs are significantly more budget-friendly than in the rest of the country. With such favorable housing affordability, Jacksonville residents can earmark a more manageable portion of their income to housing.

Is Jacksonville Affordable?

Is Jacksonville affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Jacksonville, the median home price is 52.8% lower than the national average and monthly rent prices are 19.3% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Jacksonville boasting a median household income of $43,769, 20.9% lower than the national average.

What Factors can Influence the Cost of Living in Jacksonville?

Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Jacksonville, the transportation index stands at 1.6% higher than the national average.

Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Jacksonville, the housing index comes in at 42.8% lower than the national average.

Subsidies: Some areas might offer government subsidies or assistance programs that help lower cost of living for residents. These programs can include anything from Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and crop subsidies. Areas that offer less subsidies, could see an increase in their cost of living.

Where is the Data From?

The cost of living in Jacksonville, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Jacksonville is 7% lower than the Texas average
  • The cost of living in Jacksonville is 14% lower than the national average
  • Jacksonville housing is 43% lower than the national average
  • Texas general sales tax is 22% higher than the national average
  • Texas state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Jacksonville

See all the best places to live around Jacksonville

Compare Jacksonville, TX Cost of Living

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$57,595$4,800$1,344$1,728
      Renters$29,852$2,488$697$896
      The affordability of the housing market in Jacksonville, TX as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Jacksonville homeowners, the median income is $57,595. This indicates that a monthly maximum of $1,344 should be spent by homeowners on all housing related costs. Renters have a median income of $29,852. This indicates that renters would have a maximum of $697 for their rent related monthly costs.

      Texas Sales Tax

      State General Sales Tax With Max Surtax
      Texas 6.25% 8.25%

      Texas Income Tax

      State Income Tax (Low) Income Tax (High)
      Texas 0% 0%

      Goods & Services

      Item Jacksonville National avg. Difference
      Haircut $26.75$24.2610.3%
      Beauty Salon $54.44$45.5619.5%
      Toothpaste $3.73$3.700.7%
      Shampoo $1.22$1.284.7%
      Movie $9.77$12.1319.5%
      Bowling $9.72$18.0046.0%

      Groceries

      Item Jacksonville National avg. Difference
      Ground Beef $5.50$5.845.8%
      Fried Chicken $1.58$1.570.5%
      Milk $4.54$4.672.8%
      Potatoes $5.05$4.932.3%
      Pizza $11.49$12.094.9%
      Beer $10.44$10.410.2%

      Health Care

      Item Jacksonville National avg. Difference
      Optometrist $126.64$125.680.8%
      Doctor $111.98$135.7817.5%
      Dentist $120.97$113.296.8%
      Ibuprofen $10.42$10.652.2%
      Lipitor $526.57$468.6012.4%

      Housing

      Item Jacksonville National avg. Difference
      Home Price $87,100.00$184,700.0052.8%
      Avg. Mortgage Payment $2,017.54$2,346.6914.0%
      Apartment Rent $766.00$949.0019.3%

      Transportation

      Item Jacksonville National avg. Difference
      Gasoline $3.08$3.4610.9%
      Tire Balancing $79.11$59.9232.0%

      Utilities

      Item Jacksonville National avg. Difference
      All Electricity $209.92$193.998.2%
      Phone $199.93$192.254.0%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Cuney, TX134991.4%
      New Summerfield, TX8258317.2%
      Gallatin, TX3138415.5%
      Berryville, TX1,2868515.3%
      Shadybrook, TX2,6558614.1%
      Jacksonville, TX14,8098613.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Eggertsville, NY14,806927.6%
      Kemp Mill, MD14,81214444.0%
      Winkler, MB14,804n/a 
      Gaspé, QC14,815n/a 
      Bluffdale, UT14,80214040.2%
      Jacksonville, TX14,8098613.8%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.