Austin vs Jacksonville: which should you move to?
Austin or Jacksonville? Housing, rent, crime, climate, income, taxes and transit, side by side, from each city's own published figures. Written for someone deciding where to live, not for a ranking.
Austin
Jacksonville
Two cities of almost the same size, 1,002,632 people in Austin and 1,017,689 in Jacksonville in 2025, both priced at Freddie Mac's 7.03% rate of 24 September 2026 in US dollars and in states with no income tax, so the figures net directly and the tax story is the house. The prices are MLS medians over different areas: Austin's is everything sold in the city, Jacksonville's the Northeast Florida Association of REALTORS' single-family median for Duval County, of which the city is 96%. Mortgage, property tax and insurance come to about $4,041 a month on Austin's $560,000 and $2,498 on Duval County's $335,000, roughly 54% of Austin's median household income of $90,430 and 41% of Jacksonville's $72,389. Zillow's index keeps the order, $497,418 for Austin, and Zillow's index for the City of Jacksonville stood at $285,103. Sales tax is 8.25% against 7.5%, and the homesteaded property tax rates are close, about 1.61% and 1.56%. Crime splits on the same FBI counts: Austin is lower on violent offenses, 421 per 100,000 against 514, and on homicide, about 5.1 per 100,000 against 7.9, and Jacksonville on property offenses, 2,154 against 3,093. Choose Austin for technology work, higher pay, a metro growing faster and a lower violent crime rate. Choose Jacksonville to own for about $1,543 a month less, for summers without many 100F days, the port and the Navy, and a lower uninsured rate.
| Measure | Austin | Jacksonville | Advantage |
|---|---|---|---|
| City population | 1,002,632 (2025) | 1,017,689 (2025) | Not directly comparable |
| Metro population | 2,620,945 (2025) | 1,785,500 (2025) | Not directly comparable |
| Five-year growth Growth is pressure on rents and roads as much as it is opportunity, so it is reported without a winner. | 4.6% (2020-2025) | 7.2% (2020-2025) | Not directly comparable |
What a home costs in each
The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.
| Measure | Austin | Jacksonville | Advantage |
|---|---|---|---|
| Benchmark home price MLS® HPI or equivalent benchmark. Lower is treated as the advantage, which is the buyer's view rather than the owner's. | $560,000 (August 2026) | $335,000 (August 2026) | Jacksonville |
| Detached house benchmark Jacksonville publishes a single house index rather than a composite, so the two rows repeat. | $527,943 | $335,000 | Jacksonville |
| Apartment or condominium benchmark | $355,596 | $173,549 | Jacksonville |
| Two-bedroom rent | $1,812/mo (average, August 2026) | $1,306/mo (median, September 2026) | Jacksonville |
| One-bedroom rent | $1,421/mo | $1,110/mo | Jacksonville |
| Two-bedroom rent against median income A year of two-bedroom rent as a share of the median household income below. A household paying the median rent out of the median income is a fiction, but it is the same fiction in both columns and it crosses currencies. | 24.0% of a year's income | 21.6% of a year's income | Jacksonville |
| Mortgage payment on the benchmark, 20% down 30-year amortization on American monthly compounding, the convention in both. | $2,990/mo at 7.03% | $1,788/mo at 7.03% | Jacksonville |
| Price to household income Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not. | 6.2× | 4.6× | Jacksonville |
| Property tax on the benchmark home The effective rate on market value, which is what the two rates have in common and what the Advantage column is decided on; the bills are in each city's own dollars. | $9,022/yr (1.611%, 2025) | $5,216/yr (1.557%, 2025) | Jacksonville |
| Transfer tax on the benchmark home Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving. | None | $2,345 (seller pays) | Austin |
| Rent control A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better. | Forbidden by state law | Forbidden by state law | Not directly comparable |
Austin: About 1.61% of value for a homesteaded owner, worked out on the $560,000 median sale price. A house in the City of Austin and Austin ISD is taxed by five units for 2025, which add to 2.046485 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Austin ISD the state's $140,000, the City, Travis County and Central Health 20%, and Austin Community College 1% with a $5,000 floor. So Travis County levies 0.375845 per $100 on $448,000 after a $112,000 exemption, $1,684; City of Austin levies 0.524017 per $100 on $448,000 after a $112,000 exemption, $2,348; Austin ISD levies 0.9252 per $100 on $420,000 after a $140,000 exemption, $3,886; Austin Community College levies 0.1034 per $100 on $554,400 after a $5,600 exemption, $573; Central Health levies 0.118023 per $100 on $448,000 after a $112,000 exemption, $529. The five come to $9,019 a year, 1.61% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $11,460. These are the 2025 rates, the bills mailed in October 2025. For 2026 the City has adopted 0.579948, the county 0.38621, Central Health 0.132863 and ACC 0.103643, and Austin ISD has proposed 0.9184; on the same house those would come to about 1.67%. Jacksonville: About 1.56% of the price for a homesteaded owner, worked out on the $335,000 Duval County single-family median, which is lower than the 17.7412 mills a house in the City of Jacksonville is charged because of Florida's homestead exemption rather than any assessment lag. Consolidation makes the stack short: the City of Jacksonville levies 11.1919 for county and city government together, Duval County Public Schools 6.3430 (3.0950 set by state law, 2.2480 by the school board and 1.0000 approved by voters in 2022), the St. Johns River Water Management District 0.1793 and the Florida Inland Navigation District 0.0270, which is every levy the property appraiser lists for the general services district for 2025. The school lines are charged on the price less $25,000, $310,000, and the rest on the price less a second slice as well, $285,000 on the base amounts, so a homesteaded buyer's first bill is about $5,215. Without a homestead, as a landlord or a buyer who never files, the same house owes $5,943. That second slice is indexed to inflation: the Department of Revenue published $25,722 for 2025 and the Duval property appraiser's estimator uses $26,411 for 2026, which brings the same bill to $5,199; this page uses the $25,000 base, like every Florida page on this site, and overstates the bill by $16 for it. The total was 17.8650 for 2024 and fell because the City cut its own rate from 11.3169. The school board's voted mill runs to 30 June 2027 and its renewal is on the 3 November 2026 ballot. The exemption is not automatic: you file with the property appraiser by 1 March of the year after you buy. The City's solid waste and stormwater fees come on the same bill, about $414 a year for a house in 2026, and no exemption reduces them. The seller's tax bill is not a guide to yours. Save Our Homes caps a homesteaded property's assessed value at 3% growth a year, and that cap resets to full market value the January after the sale, so a long-tenured owner can be taxed on a fraction of what you will be taxed on for the same house. Ask the property appraiser what the assessment would be at your purchase price, not what the current bill is.
How safe each city is, by the numbers it publishes
Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.
| Measure | Austin | Jacksonville | Advantage |
|---|---|---|---|
| Crime Severity Index Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series. | Not published | Not published | Not directly comparable |
| Violent crime per 100,000 | 421 (2025) | 514 (2025) | Austin |
| Property crime per 100,000 | 3,093 (2025) | 2,154 (2025) | Jacksonville |
| Homicides Counts, not rates, and a single year in a small city moves a long way on chance alone. What each figure covers is under the table. | 51 (2025) | 80 (2025) | Not directly comparable |
On the FBI's definitions, violent offenses in Austin went from 5,335 in 2022 to 5,046 in 2023, 4,692 in 2024 and 4,221 in 2025, a 10% drop in the last year and 21% in three, and property offenses from 35,035 to 32,900, 32,407 and then 31,011. APD's own NIBRS records for 2025 show aggravated assaults down 13% (3,038 to 2,652), robberies down 5% (835 to 790) and motor vehicle thefts down 26% (5,908 to 4,345), while rapes rose from 501 to 541 and drug offenses, which rise and fall with enforcement, went from 4,097 to 5,256. The 2025 CDE counts were read on 27 September 2026 from a feed last refreshed on 15 September and can still be revised, and APD notes that its open data may differ from its official figures.
What the rates cover: Computed: 4,221 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Austin Police Department (ORI TX2270100) in calendar 2025, divided by the 1,002,632 Vintage 2025 city population. On the CDE's own agency population of 1,000,639 the rate is 422. APD does not publish a total on this definition: its open NIBRS data sort offenses into crimes against persons (19,469 in 2025, of which 9,464 simple assaults and 5,918 intimidation) and crimes against property (44,250, with robbery, fraud and vandalism inside it), so neither of its totals is the FBI's violent or property count. Summing APD's own 2025 records on the FBI's definition gives 4,219, within two of the CDE.
Homicides: 51 murders and nonnegligent manslaughters in 2025 in both the FBI CDE and APD's open NIBRS data, against 66 in 2024, about 5.1 per 100,000 on the city population. APD's assistant chief put the year's homicides at 55 in January 2026 (KUT), and APD's dataset separately lists 14 negligent manslaughters and 7 justifiable homicides, which the FBI does not count as murder. The high point in the CDE series since 2021 is 81, in 2021.
On the FBI's definitions, violent offenses in Jacksonville went from 6,496 in 2021 to 6,141 in 2022 and 6,513 in 2023, then fell to 5,680 in 2024 and 5,231 in 2025, 8% lower than in 2024 and 19% lower than in 2021. Property offenses rose from 23,968 in 2021 to a peak of 26,443 in 2024 and fell 17% in 2025 to 21,920. Motor vehicle theft drove the swing: 2,035 in 2021, 3,461 in 2024 and 2,036 in 2025, down 41% in the last year. In 2025 the CDE shows aggravated assaults down 7% (4,533 to 4,236), robberies down 16% (639 to 539), rapes down 16% (445 to 376), burglaries down 22% and larcenies down 12%, while murders rose from 63 to 80, the one violent measure that went up. The sheriff's office cleared 55% of 2025's murders against 73% of 2024's, as Action News Jax reported from JSO records. The 2025 CDE counts were read on 1 October 2026 from a feed last refreshed on 15 September and can still be revised.
What the rates cover: Computed: 5,231 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Jacksonville Sheriff's Office (ORI FL0160000) in calendar 2025, divided by the 1,017,689 Vintage 2025 city population. On the CDE's own agency population of 1,008,920 the rate is 518. The sheriff's office, formed when the city and county police merged in 1968, is responsible for law enforcement in the county; Jacksonville Beach has its own department. That is higher than Miami (359), Tampa (375.5) and Fort Worth (375), close to Boston (507) and below San Antonio (532), Dallas (577) and Houston (890).
Homicides: 80 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 63 in 2024, about 7.9 per 100,000 on the city population. The sheriff's office's own counts differ slightly by date and definition: Action News Jax, reading JSO records, reported 76 murders in 2025 against 63 in 2024, and News4JAX reported 79 murder cases in 2025 within more than 100 homicides of all kinds, including 11 fatal police shootings. The 2024 figure was the low point: News4JAX's count of 82 homicides of all kinds that year was the lowest in the 19 years it has kept one. The CDE series is 107 in 2021, 132 in 2022, 128 in 2023, 63 in 2024 and 80 in 2025.
Winters, summers and what the weather can do to a house
| Measure | Austin | Jacksonville | Advantage |
|---|---|---|---|
| January mean | 11.2 °C | 12.3 °C | Not directly comparable |
| July mean | 29.9 °C | 28.1 °C | Not directly comparable |
| Precipitation a year | 921 mm | 1,356 mm | Not directly comparable |
| Snowfall a year | 1 cm | 0 cm | Not directly comparable |
| Sunshine a year | 2,644 hours | 2,880 hours | Jacksonville |
NOAA NCEI 1991-2020 normals for Austin Camp Mabry (station USW00013958), the official Austin climate station: January mean 52.2F, July mean 85.8F, annual mean 70.0F, 36.25 in of precipitation, 0.2 in of snow. August is the warmest month at 86.5F, with a mean high of 97.8F; July's mean high is 96.6F and January's mean low is 41.8F. May (5.04 in) and October (3.91 in) are the wettest months, and February (1.89 in) and July (1.96 in) the driest. The normals count 122.8 days a year at 90F or above, 28.7 at 100F or above and 11.9 nights at or below freezing. Austin-Bergstrom International Airport (USW00013904), southeast of downtown, averages 50.1F in January and 84.5F in July with 35.57 in of rain, and its nights run colder, with 33.0 at or below freezing a year. Converted here to 11.2 C, 29.9 C, 921 mm and 0.5 cm. Sunshine hours are the older 1961-1990 NCDC means (2,644 hours, 60% of possible), since the 1991-2020 normals do not include sunshine.
Hazards: Flash flooding on the creeks that cross the city is the recurring danger. The Memorial Day flood of 1981 sent Shoal Creek through central Austin and killed 13 people. On 30 to 31 October 2013 a band of 12 to 14 in (305 to 356 mm) of rain between Wimberley and Driftwood, with 6 to 10 in (152 to 254 mm) over central Travis County, sent Onion Creek through southeast Austin, damaging more than 500 homes and killing five people; in 2014 the city authorized $60 million to buy out homes in the Onion Creek floodplain. Over Memorial Day weekend 2015 the Blanco River at Wimberley, upstream in Hays County, rose from about 5 ft to 41 ft (1.5 m to 12.5 m) in four hours overnight and destroyed 350 to 400 homes in the town, and on the holiday itself Camp Mabry recorded 5.20 in (132 mm) and Shoal Creek flooded again. On 4 to 5 July 2025, 15 to 20 in (381 to 508 mm) fell on the headwaters of Cow Creek and Big Sandy Creek northwest of the city; the Central Texas floods of that week killed 139 people, 18 of them in Travis, Williamson and Burnet counties. Heat is the season to plan around: the normals give Camp Mabry 28.7 days a year at or above 100F (37.8 C), and 2023 had 80, including 45 in a row from 8 July to 21 August that broke the 27-day run of 2011, which still holds the record for a year with 90. The station's highest reading is 112F (44.4 C), in September 2000 and again in August 2011. Cold is rare and badly handled when it comes. Winter Storm Uri left 6.4 in (16.3 cm) of snow at Camp Mabry on 14 to 15 February 2021 and a low of 7F (-13.9 C) on the 16th, the coldest there since December 1989 (the airport reached 6F, or -14.4 C), with 164 hours of freezing temperatures. ERCOT cut power across the state grid from 15 to 18 February, about 4.5 million customers lost it at the worst, more than 40% of Austin Energy's customers were without power and the city was under a boil-water notice for seven days. Texas counted 246 deaths from the storm, 28 of them in Travis County. Drought is the slow hazard. Austin's water depends on Lakes Buchanan and Travis, the Highland Lakes reservoirs LCRA manages; their combined storage fell to 42% in March 2024, when most of LCRA's downstream farm customers went without lake water, and the July 2025 rains took it from 51% to more than 95%. It stood at about 92% on 1 July 2026.
NOAA NCEI 1991-2020 normals for Jacksonville International Airport (station USW00013889), inside the city about 12 miles north of downtown beside the National Weather Service's Jacksonville office: January mean 54.2F, July mean 82.5F, annual mean 69.3F, 53.40 in of precipitation, 0.0 in of snow. July is the warmest month by less than half a degree over August (82.1F), with a mean high of 91.9F; January's mean low is 42.9F. June (7.60 in) and September (7.56 in) are the wettest months, and June through September bring 28.81 in, 54% of the year; November (2.00 in) is the driest. The normals count 80.1 days a year at 90F or above, 0.7 at 100F or above and 14.3 nights at or below freezing. Converted here to 12.3 C, 28.1 C, 1,356 mm and 0 cm. That makes Jacksonville the coolest in winter of the four Florida cities this site compares, 6.4 F below Orlando's January and 14.4 F below Miami's, and the second-wettest city here after Miami. Sunshine is the 1961-1990 NCDC figure Current Results lists for Jacksonville, 2,880 hours a year, 63% of possible, with 94 clear days, the same source and basis as the other US profiles; the 1991-2020 normals do not include sunshine.
Hazards: Hurricanes are the defining hazard, though direct hits are rare. Wikipedia counts one direct hurricane strike on Jacksonville since 1871: Dora, whose eye crossed St. Augustine on 10 September 1964 as a strong Category 2. Matthew passed about 37 miles offshore in October 2016, bringing storm surge, flooding along the ocean and the St. Johns River and outages for 250,000 people; the airport recorded 6.28 in (160 mm) of rain on 7 October. Irma, which passed about 75 miles to the west in September 2017, did the most damage of the recent storms, and it did it with water rather than wind. A local nor'easter had already raised water levels in the St. Johns basin before the storm arrived; storm surge, high astronomical tides and Irma's rain then pushed the river at the Main Street Bridge downtown to an all-time record crest of 5.57 ft (NAVD88) on 11 September, against Dora's 4.12 ft, and set records or major flood stage along the river and its creeks from Mayport to the Buckman Bridge (National Weather Service). Crews made about 350 water rescues, mostly in Downtown, Riverside and San Marco, where one evacuee reported water to his neck inside his home. The airport recorded 9.72 in (247 mm) of rain on 10 and 11 September and a gust of 86 mph (138 km/h); Wikipedia puts damage in Jacksonville at $85 million and counts five deaths in Duval County. Nor'easters are the routine coastal hazard: persistent northeast winds pile water into the river and the Intracoastal Waterway and bring tidal flooding and beach erosion without a tropical storm in sight, as in September and October 2025, when long-running local nor'easters brought coastal flood advisories and tidal flooding at high tide along the Atlantic coast, the Intracoastal Waterway and the St. Johns River basin (Florida Times-Union). Heat is long rather than extreme. The normals count 80.1 days a year at 90F or above but under one at 100F (37.8 C); 2025 had 113 days at 90F or above, the third-most since the airport's record began in 1938, and 2026 had 107 through 27 September, with three days at 100F or above in 2025. The station's highest reading is 105F (40.6 C), on 21 July 1942. Cold is brief but real: 14.3 freezing nights a year on the normals, 19 in the first months of 2026, and a record low of 7F (-13.9 C) on 21 January 1985. Measurable snow is rare enough to list: 1.5 in (3.8 cm) on 13 February 1958, 0.8 in on 23 December 1989 and 0.1 in on 22 January 2025.
What people earn and what the government takes
| Measure | Austin | Jacksonville | Advantage |
|---|---|---|---|
| Median household income | $90,430 USD (2024) | $72,389 USD (2024) | Austin |
| Unemployment rate | 3.7% (July 2026) | 4.9% (July 2026) | Austin |
| Sales tax | 8.25% | 7.5% | Jacksonville |
| Top marginal income tax Federal plus provincial or state. The American figure leaves out payroll taxes and the cost of health insurance, both of which a Canadian household covers through the tax it pays here. | 37% | 37% | Even |
| Income tax on $100,000, single filer Computed from each jurisdiction's brackets at a single filer's $100,000 and rounded to the dollar, so a gap of a dollar is rounding rather than tax. Two cities in one province or state are shown as Even, because there the two cells describe the same tax and whatever separates them is method. | $13,449 USD | $13,449 USD | Even |
BLS counted 1,421,700 nonfarm jobs in the Austin MSA in July 2026 (not seasonally adjusted), up 23,800 or 1.7% on the year. Mining, logging and construction grew fastest (+5.5%), then professional and business services (+3.2%), the largest sector at 294,600 jobs, and other services (+2.7%), while information shrank 4.9% and government, at 201,000 jobs with the state capital and the University of Texas inside it, was flat. The seasonally adjusted series (FRED AUST448NA) was 1,424,000 in August 2026, 1.2% above August 2025. Average weekly wages across the metro were $1,957 in the first quarter of 2026 against $1,654 nationally. Opportunity Austin, the chamber's economic development program, lists Dell Technologies, Apple, Samsung Austin Semiconductor, Tesla, H-E-B, Amazon's fulfillment centers, the State of Texas, the University of Texas, Ascension Seton, St. David's HealthCare and Baylor Scott & White among the employers with 6,000 or more local jobs. bls.gov answered 403 to curl and FRED refused it, so both were read through the web fetcher.
Main sectors: Professional and business services, the metro's largest sector, Technology and advanced manufacturing (Dell Technologies, Apple, Tesla, Samsung Austin Semiconductor, AMD, Applied Materials), Government and education (the state capital, the University of Texas at Austin, the City of Austin), Trade, transportation and utilities (H-E-B, Amazon fulfillment centers), Health care (Ascension Seton, St. David's HealthCare, Baylor Scott & White).
Property tax is the local levy that matters. Tax Foundation puts Texas's effective property tax rate on owner-occupied homes at 1.40%, and school districts must exempt $140,000 of a homestead's value from their tax, plus another $60,000 for owners 65 or older or disabled, after voters raised the general exemption from $100,000 in November 2025. Part of the City of Austin's own rate, 8.75 cents per $100 of taxable value approved with Project Connect in November 2020, pays for the transit program. In November 2025 Austin voters rejected Proposition Q, a city tax rate increase that would have raised nearly $110 million, by 63% to 37%. The county, school district and other levies on the same bill belong to the housing layer.
BLS counted 803,800 nonfarm jobs in the Jacksonville MSA in August 2026 (not seasonally adjusted, preliminary), up only 500 on the year, almost flat. Private education and health services grew fastest (+3.3%, to 139,800) and professional and business services next (+2.0%, to 120,100), while financial activities lost 4,400 jobs (-6.1%, to 67,800), finance and insurance alone 3,000, and information fell 8.2% to 13,400. Government shrank 2.5% to 77,900, almost all of it federal (-8.4%, from 20,300 to 18,600); BLS's payroll count does not include active-duty sailors. Trade, transportation and utilities is the largest sector at 170,000 jobs, and leisure and hospitality held at 93,900. The seasonally adjusted series (SMS12272600000000001) was 806,600 in August 2026, 0.4% above August 2025. JAXPORT moved 1,388,841 TEUs of containers in fiscal 2025 (October 2024 to September 2025), up 4% on the year, 506,237 vehicles and 10.2 million tons of cargo, and says its cargo supports more than 258,800 jobs and $44 billion of annual economic impact in the region and state; a $250 million modernization of Blount Island's container and auto terminals was completed in 2025. The state's 2024 defense summary, on 2022 figures, puts defense spending in Duval County at $6.5 billion and its total impact at $9.1 billion, 68,060 jobs and 10.4% of the county's economy.
Main sectors: Port, rail and logistics: JAXPORT, Florida's No. 1 container port by volume (nearly 1.39 million TEUs and 506,237 vehicles in fiscal 2025), CSX and the Florida East Coast Railway, both headquartered in the city, and the shipping lines to Puerto Rico (Crowley, TOTE Maritime, Trailer Bridge), The Navy: Naval Air Station Jacksonville, the largest installation in Navy Region Southeast, Naval Station Mayport, home of the Fourth Fleet and 21 ships, and Marine Corps Support Facility Blount Island; defense spending has a $9.1 billion total economic impact in Duval County, Finance, insurance and financial technology (FIS and Fidelity National Financial, both headquartered in the city, Florida Blue, and Deutsche Bank's second-largest US operation), a sector now shrinking, Health care (Mayo Clinic Florida, Baptist Health and Wolfson Children's Hospital, UF Health Jacksonville, St. Vincent's), the metro's fastest-growing large sector, Trade, transportation and utilities, the metro's largest sector by payroll jobs (170,000 in August 2026).
Property tax is the local levy that matters. Tax Foundation puts Florida's effective property tax rate on owner-occupied homes at 0.78%, and a homestead exemption takes as much as $50,000 off a permanent residence's taxable value, with the Save Our Homes limit on how fast its assessment can rise (Florida Department of Revenue). On 22 September 2026 the City Council adopted a $2 billion budget for fiscal 2027, 18 to 1, and kept the consolidated government's rate at 11.1919 mills, about $11.19 per $1,000 of taxable value, on a 16 to 3 vote; The four towns that kept their own governments pay a different city rate (7.9012 mills at the Beaches, 9.4208 in Baldwin). Council and mayor held the rate rather than cut it because of Amendment 3, the homestead property tax cut on Florida's 3 November 2026 ballot, which the city expects would open a revenue shortfall of about $300 million by 2028 if it passes, and tied some spending to its outcome (Jacksonville Today). School board and other levies on the same bill belong to the housing layer.
Whether you need a car
| Measure | Austin | Jacksonville | Advantage |
|---|---|---|---|
| System | CapMetro buses, including four CapMetro Rapid (formerly MetroRapid) lines, and the Red Line, a 32-mile, 10-station commuter rail line from Leander to downtown (CapMetro Rail, long branded MetroRail); no light rail yet, with Project Connect's first 9.8-mile phase due in 2033 | Jacksonville Transportation Authority (JTA): fixed-route buses (174 vehicles on 30 routes in 2026), the four-line First Coast Flyer bus rapid transit network (Green, Blue, Red and Orange lines, opened from December 2015 to 2021 and running every 20 minutes on weekdays), the fare-free 2.5-mile Skyway people mover with eight stations Downtown and on the Southbank (opened 1989), the NAVI autonomous shuttle on the 3.5-mile Bay Street corridor (opened June 2025), the St. Johns River Ferry between Mayport and Fort George Island, and Connexion paratransit. The Skyway is due to stop running on 2 November 2026 and NAVI on 1 January 2027. | Not directly comparable |
| Commute by public transit | 3.0% (2024) | 0.8% (2024) | Austin |
| Walk or cycle to work | 4.1% (2024) | 2.0% (2024) | Austin |
| Airport | Austin-Bergstrom International Airport (AUS), 21,666,852 passengers in 2025, 0.4% fewer than 2024's 21,762,904 and below the 2023 record of 22.1 million, per the airport's calendar-year activity report; 1.06 million of them were international. It sits about 5 miles southeast of downtown on the former Bergstrom Air Force Base and replaced Robert Mueller Municipal Airport in 1999. | Jacksonville International Airport (JAX), owned by the Jacksonville Aviation Authority about 12 miles north of downtown, handled 7,573,048 passengers in calendar 2025, 1.1% fewer than the 7,654,406 of 2024, by this file's sum of the authority's monthly traffic report; its fiscal year to September 2025 was 7,573,168, below the record 7,647,916 of the year before. American (27.6%) and Delta (27.1%) carried the most enplanements in the fiscal year to May 2026, ahead of United (15.1%) and Southwest (14.8%). That is about a third of Tampa International's 24.8 million. | Not directly comparable |
CapMetro carried 26,283,400 unlinked trips in 2025, 24,067,200 of them by bus and 620,600 on the Red Line, and about 77,400 a weekday in the second quarter of 2026, 1,900 of them by train (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). Two new CapMetro Rapid lines, 800 and 837, opened in February 2025 and reached 10-minute service in June 2026, and the Red Line gained McKalla Station in 2024, with North Burnet/Uptown Station due in 2027; the Green Line commuter rail project has no funding, environmental review or timeline. Light rail is the unfinished promise. Voters approved Project Connect in November 2020 with a city property tax increase of 8.75 cents per $100 of value, for about 20 miles of light rail reaching the airport at $7.1 billion (Texas Tribune). Its first phase is now 9.8 miles and 15 stations in three directions from downtown, no longer reaching the airport, at an estimated $8.2 billion or more; construction is set to start in 2027 and trains to run in 2033. The FTA gave it environmental clearance in January 2026, but the plan counts on about $4.1 billion in federal money that has not been awarded, and a lawsuit over the scaled-back project is still open.
JTA carried 7,342,300 unlinked trips in 2025, 6,307,000 of them by bus, 413,600 on the ferry and 253,200 on the Skyway, and about 28,000 a weekday in the second quarter of 2026, 1,000 of them on the Skyway (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). That is less than HART's 11.9 million in Tampa and a third of LYNX's 22.2 million in Orlando, for a city two and a half to three times as large. The agency is in a financial crisis. Its board adopted a $139.2 million budget for fiscal 2027, down from $178 million, to close a projected $17.5 million gap, and in September interim CEO Cleveland Ferguson III, appointed on 27 August after Nathaniel Ford's 13 years in charge, said a $39 million hole meant up to 194 layoffs and a Saturday schedule on weekdays from 2 November, with the First Coast Flyer kept at every 20 minutes. The Skyway, whose original ten-car fleet is down to two working vehicles, will halt that day while JTA decides whether to rebuild it, replace it or turn the guideway into an elevated trail, the option most favored in its spring survey. The Ultimate Urban Circulator, JTA's plan since 2016 to replace the monorail with autonomous vehicles on the Skyway's beams and city streets at an estimated $400 million, has stalled: NAVI, its first phase, drew just over 100 riders a day in its first three months and 11,892 in all by early April 2026, and will stop on 1 January because the developer of its driving software is ending support (Jacksonville Today).
Health care, schools and what each city is like
Health care
Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Texas is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF, August 2026). It had the highest uninsured rate of any state in 2024: 16.7%, or 5,152,427 of 30,799,312 people, against 8.2% nationally and 12.0% in Georgia, the next highest, on the ACS 2024 1-year estimates. The City of Austin's rate was 13.0% and Travis County's 12.6%. Ascension Seton runs Dell Seton Medical Center at The University of Texas, the teaching hospital of UT's Dell Medical School, in partnership with Central Health; it is the region's only adult Level I trauma center and serves 11 Central Texas counties. St. David's HealthCare, a partnership between HCA Healthcare and two local nonprofits, has more than 160 sites and calls itself the Austin area's fourth-largest private employer, and Baylor Scott & White joins both systems on the chamber's list of employers with 6,000 or more local jobs. UT and the Michael & Susan Dell Foundation are building the UT Dell Medical Center, with a new UT MD Anderson Cancer Center, beside Dell Seton on the former Frank Erwin Center site, to open in 2030; the UT System put the plan at $2.5 billion when it was announced in August 2023. This file did not verify a wait time figure for primary or specialist care.
Education
Austin ISD, which covers 230 square miles in the middle of the metro, counted 65,951 students in fall 2026, down 3,765 from 69,716 in 2025-26 and from 72,702 in 2024-25. More than 6,400 students enrolled at the end of last year did not return, and the district fell more than 2,000 short of its own projection (Austin Current, 24 September 2026); district officials told KUT that more than half of the 2025-26 loss could be attributed to families' fear of immigration enforcement, with housing costs and falling birth rates also named. In November 2025 the board approved closing and consolidating 10 schools from the 2026-27 school year, affecting 3,796 students and removing 6,319 seats, together with 24 turnaround plans the Texas Education Agency requires for campuses with repeated unacceptable ratings, adopted to head off state-ordered closures or a takeover. The University of Texas at Austin enrolled a record 55,000 students in fall 2025, 44,314 of them undergraduates, the largest total in its history.
Living there
Austin is the Texas state capital and a university town that has become a technology metro, and its growth has outrun what the city has built for it. The metro passed 2.6 million in 2025 after adding 337,554 people since April 2020, but the city grew by less than 5%, and in 2024-25 Travis County lost 6,590 more people to the rest of the country than it gained, so domestic movers now settle in Williamson and Hays counties instead. Inside the city a quarter of workers work from home, 57.5% drive alone and 3.0% take transit, and the one rail line carries about 1,900 riders a weekday. Summer sets the terms of daily life, with a July mean of 85.8F at Camp Mabry and about 29 days at 100F or more in a normal year, and the creeks that cross the city flood fast. Texas takes no income tax and has the highest uninsured rate of any state. The open question is whether Austin can build the transit and keep the schools its growth calls for: voters approved light rail in 2020, and six years later the first 9.8 miles are not due until 2033 and have no federal money, while Austin ISD, down more than 14,000 students in a decade, closed ten schools in 2026.
Health care
Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Florida is one of the ten states that have not expanded Medicaid under the Affordable Care Act; an organizing committee relaunched a ballot initiative to expand it in February 2026 (KFF). Florida's uninsured rate was 10.9% in 2024 (2,509,782 of 23,038,464), the sixth-highest of any state, against 8.2% nationally, on the ACS 2024 1-year estimates; the City of Jacksonville's was 10.1% (99,720 of 990,245), Duval County's 9.9% and the metro's 8.2%. UF Health Jacksonville, the University of Florida's academic hospital downtown with 695 beds and another 216 at UF Health North, is home to North Florida's Level I trauma center and carries the city's safety-net care: the fiscal 2027 city budget carries $56 million for its indigent care (Jacksonville Today). Mayo Clinic's Florida campus on the Southside, Mayo's first outside Rochester, opened in 1986 and has a hospital Wikipedia gives 304 beds, with an expansion to 428 announced for 2026. Baptist Health runs Baptist Medical Center Jacksonville and, beside it on the downtown riverfront, the 281-bed Wolfson Children's Hospital, the region's only Level I pediatric trauma center verified by the American College of Surgeons. This file did not verify a wait time figure for primary or specialist care.
Education
Duval County Public Schools, whose boundaries match the county's, has fallen below 100,000 students this fall for the first time in modern history, a 16% decline since 2015, when it had more than 115,000, as charter schools, homeschooling and state scholarships for private tuition grew (Action News Jax, 30 September 2026). It cut 115 teaching positions in September 2025 after a 1.9% drop in enrollment, closed several elementary schools that summer under its 2024 master facilities plan, and is consolidating four more in 2026-27, with two others delayed to 2027-28 and 2028-29. The University of North Florida, a public R2 research university founded in 1965 on the Southside, enrolled 16,575 students in 2024 (Florida Board of Governors). Jacksonville University, private, in Arlington, enrolled 4,247 in fall 2024 and has what Wikipedia calls the second-largest Naval ROTC program in the country. Florida State College at Jacksonville, the state college with campuses across the city, enrolled 23,556 students in 2024-25 (IPEDS, as compiled by UnivStats), 70% of them part time. Edward Waters University, founded in 1866, is the state's oldest historically Black college, and the city has committed $130 million to a new University of Florida graduate campus (Jacksonville Today).
Living there
Jacksonville is the largest city by land area in the contiguous United States, 747 square miles, because in 1968 it consolidated with Duval County and took in almost all of it; it is Florida's largest city by a wide margin and the eleventh-largest in the country, yet its metro is the smallest of the four Florida metros this site compares, and half the metro's growth since 2020 has been in St. Johns and Nassau counties rather than the city. The St. Johns River runs north through the middle of it to the Atlantic, and the river is both the economy and the risk: JAXPORT, Florida's busiest container port, and the Navy's bases at NAS Jacksonville and Mayport line it, and Irma in 2017 pushed it to its highest recorded level downtown. It is the coolest of the Florida cities here after Tallahassee, with real if brief winters, and hurricanes rarely hit it directly. It is built for the car: 70.9% of workers drive alone and 0.8% take transit, and the transit agency is cutting service, halting the Skyway and ending its autonomous shuttle in a budget crisis. Violent crime, at 514 per 100,000 on the FBI's counts, is higher than in Miami or Tampa. Household income, at $72,389, sits in the middle of the Florida cities, and Florida takes no income tax. The open questions are the transit agency's finances, a shrinking school district, the November 2026 homestead tax vote the city has budgeted against, and whether finance jobs, down 6.1% in a year, keep leaving.
Where each city wins, and where it loses
Both cities price in US dollars and both were priced at Freddie Mac's 7.03% rate for 24 September 2026, so the mortgage lines compare directly, though the states' tax rules differ. The prices are MLS medians over different areas and different homes. Austin's is the Unlock MLS median of what sold inside the city, $560,000 in August 2026, 4.3% below a year earlier. Jacksonville's is the Northeast Florida Association of REALTORS' median of single-family houses sold in Duval County, $335,000 on 887 sales, 1.5% below a year earlier; NEFAR publishes no figure for the city alone, and since the City and the county became one government in 1968 the city has held 96% of the county's residents. Zillow's index, which models every home in each city, stood at $497,418 for Austin in August, and Zillow's index for the City of Jacksonville stood at $285,103, so the order holds on a measure that is the same in both. At 20% down, Austin's $448,000 loan costs about $2,990 a month and a $268,000 loan on the Duval median about $1,788. Property tax is $9,019 a year in Austin and about $5,215 in Jacksonville with a homestead, and insurance is budgeted at $300 and $275 a month, the Jacksonville figure a Florida policy that covers wind with a separate hurricane deductible, with no flood policy in either. The three lines come to about $4,041 and $2,498, roughly 54% and 41% of each city's 2024 median household income; of the $1,543 gap about $1,201 is the mortgage, $317 the property tax and $25 the insurance. Rents are on different series, RentCafe's August averages for Austin and Apartment List's September medians for Jacksonville: a one-bedroom at $1,421 against $1,110, a two-bedroom $1,812 against $1,306. Zillow's observed rent index, the same measure in both, puts them level, $1,586 in Austin and $1,601 in Jacksonville in August, about 21% and 27% of median income, so renting is the cheaper way into Austin against local pay and owning the cheaper way into Jacksonville.
The definitions match: both cities' figures are the FBI's summarized counts for 2025, divided by Census Vintage 2025 populations and read on 27 September and 1 October 2026. They split. Austin's 4,221 violent offenses come to 421 per 100,000 against Jacksonville's 514 on 5,231, and homicide was 51 in Austin, about 5.1 per 100,000, against 80, about 7.9. Jacksonville's 21,920 property offenses come to 2,154 per 100,000 against Austin's 3,093 on 31,011. The directions differ on murder. Austin's violent offenses dropped 10% in 2025 and 21% in three years, and its murders fell from 66 to 51. Jacksonville's violent offenses dropped 8% in 2025 and are 19% below 2021, but its murders rose from 63 to 80, the one violent measure that went up, and the sheriff's office cleared 55% of 2025's murders against 73% of 2024's, as Action News Jax reported from its records. Property crime fell in both, by 17% in Jacksonville in 2025 and about 4% in Austin, with motor vehicle theft the largest swing: down 41% in Jacksonville, from 3,461 to 2,036, and 26% in Austin's own records. The counts each department keeps differ a little from the FBI's: APD's assistant chief put Austin's 2025 homicides at 55, and Action News Jax, reading the sheriff's records, reported 76 murders in Jacksonville. Both federal sets come from a feed last refreshed on 15 September and can still be revised.
Austin has the hotter summer and, oddly, the fewer frosts. July averages 29.9 C at Camp Mabry against 28.1 C at Jacksonville International, inside the city about 12 miles north of downtown, and January 11.2 C against 12.3 C, yet Camp Mabry counts 11.9 nights a year at or below freezing against 14.3. The heat is the clearer difference: Austin's normals count 122.8 days a year at 90F or above against 80.1, and 28.7 at or above 37.8 C (100F) against 0.7. Austin had 80 days of 100F in 2023; Jacksonville had 113 days at 90F or above in 2025, the third-most since its airport record began in 1938, and three at 100F. Jacksonville gets 1,356 mm of rain a year, 54% of it from June through September, against Austin's 921 mm, and no measurable snow on the normals against 0.5 cm; sunshine is 2,880 hours against 2,644 on the older 1961-1990 series. Both cities' costly weather is water, from different directions. Austin's creeks rise within minutes: the Memorial Day flood of 1981 killed 13 people, and the Central Texas floods of July 2025 killed 139, 18 of them in Travis, Williamson and Burnet counties. Jacksonville's comes from the river and the coast. Direct hurricane hits are rare, one since 1871 by Wikipedia's count, Dora in 1964, but Irma, passing about 75 miles to the west in September 2017 after a nor'easter had already raised the water, pushed the St. Johns River downtown to a record crest of 5.57 ft at the Main Street Bridge, and crews made about 350 water rescues; nor'easters on their own bring tidal flooding along the river and the Intracoastal Waterway. Cold reached the same reading in both. Winter Storm Uri took Camp Mabry to 7F (-13.9 C) in February 2021 while ERCOT cut power across the state grid, more than 40% of Austin Energy's customers lost power, and Texas counted 28 of the storm's 246 deaths in Travis County. Jacksonville's record low is also 7F (-13.9 C), in January 1985, and its long outages come with hurricanes: Matthew, passing about 37 miles offshore in October 2016, cut power to 250,000 people.
Austin's labor market is nearly twice the size of Jacksonville's, and growing where Jacksonville's is flat. BLS counted 1,421,700 nonfarm jobs around Austin in July 2026, 1.7% more than a year earlier, and 803,800 around Jacksonville in August, only 500 more, a count that leaves out the active-duty sailors. On the same unadjusted basis unemployment in July was 4.0% around Austin and 4.9% around Jacksonville, against 4.4% nationally. Austin runs on technology, state government and the University of Texas, with Dell Technologies, Apple, Samsung Austin Semiconductor and Tesla among its largest employers, and its average weekly wage was $1,957 in the first quarter of 2026 against $1,654 nationally; the Jacksonville profile carries no wage figure. Jacksonville runs on the port, the railroads, the Navy and health care. JAXPORT, Florida's busiest container port, moved 1,388,841 TEUs in fiscal 2025, CSX and the Florida East Coast Railway are headquartered in the city, and NAS Jacksonville and Naval Station Mayport, home of the Fourth Fleet, are inside it; the state puts the total impact of defense spending in Duval County at $9.1 billion and 68,060 jobs, on 2022 figures. Its finance sector, home to FIS and Fidelity National Financial, lost 4,400 jobs in the year to August 2026, 6.1%, while private education and health services grew 3.3%; in Austin information shrank 4.9% and mining, logging and construction grew 5.5%. City median household income was $90,430 in Austin and $72,389 in Jacksonville in 2024, and the metros' $99,897 and $82,053. Neither state taxes income, so $100,000 pays $13,449 in federal tax in both for 2025, and sales tax is 8.25% in Austin, a full cent of it CapMetro's, against 7.5% in Duval County. The property tax stacks are built differently. Austin's five units add to 2.046485 per $100: the school district grants the state's $140,000 and nothing more, the community college 1% with a $5,000 floor, and Travis County, the City and Central Health 20% each. Jacksonville's add to 17.7412 mills, about 1.77 per $100, most of it one consolidated government levy of 11.1919 mills, and Florida takes $25,000 off every levy and a second $25,000 off all but the schools. So on the same $335,000 house Austin's five units would charge about $4,873 against Jacksonville's $5,215, and on $560,000 Jacksonville's stack would charge about $9,207 against Austin's $9,019: close at either price, and the gap in the carry is the price.
Neither is a transit city, and Jacksonville has less of one. In 2024, 3.0% of Austin workers took transit and 4.1% walked or cycled, against 0.8% and 2.0% in Jacksonville, the second-lowest transit share of any city this site compares; 57.5% of Austin's workers drove alone against 70.9%, and 24.8% worked from home against 15.0%. CapMetro carried 26,283,400 trips in 2025, about three and a half times JTA's 7,342,300, 620,600 of them on the Red Line commuter rail, and two CapMetro Rapid lines reached 10-minute service in June 2026. JTA runs buses, the four-line First Coast Flyer bus rapid transit network every 20 minutes on weekdays, a ferry across the St. Johns at Mayport and the Skyway, a fare-free 2.5-mile people mover Downtown and on the Southbank. The two are stuck in different ways. Austin's first 9.8 miles of light rail are due in 2033 at an estimated $8.2 billion or more and count on about $4.1 billion in federal money not yet awarded. JTA is in a budget crisis: from 2 November 2026 it plans a Saturday schedule on weekdays, with up to 194 layoffs, and will halt the Skyway, whose original ten-car fleet is down to two working vehicles, and on 1 January 2027 its autonomous NAVI shuttle stops as well. The airports differ by about three to one. Austin-Bergstrom, about 5 miles southeast of downtown, handled 21,666,852 passengers in 2025, 1.06 million of them international; Jacksonville International, about 12 miles north of downtown, handled 7,573,048, with American and Delta each carrying about 27% of its enplanements.
Coverage is a state problem in both, and Austin's figure is the higher. Neither Texas nor Florida has expanded Medicaid. Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of Austin's was 13.0%; Florida's was 10.9%, the sixth-highest, and the City of Jacksonville's 10.1%, against 8.2% nationally. Austin's anchor is Dell Seton Medical Center, the teaching hospital of UT's Dell Medical School and the region's only adult Level I trauma center, with a new UT MD Anderson Cancer Center due beside it in 2030. Jacksonville's safety net is UF Health Jacksonville, the University of Florida's academic hospital downtown, with 695 beds, another 216 at UF Health North and North Florida's Level I trauma center, and the City's fiscal 2027 budget carries $56 million for its indigent care; Mayo Clinic's Florida campus, Mayo's first outside Rochester, is on the Southside, and Baptist Health's Wolfson Children's Hospital is the region's only Level I pediatric trauma center verified by the American College of Surgeons. Neither profile verified a wait time. The schools are shrinking in both. Austin ISD counted 65,951 students in fall 2026, 3,765 fewer than a year earlier, and closed or consolidated 10 schools. Duval County Public Schools, whose boundaries match the county's, fell below 100,000 students this fall for the first time in modern history, 16% fewer than in 2015, as charter schools, homeschooling and state scholarships for private tuition grew. The universities are far apart in size: the University of Texas enrolled a record 55,000 in fall 2025, and the University of North Florida, a public R2 research university, 16,575 in 2024, with Florida State College at Jacksonville enrolling 23,556 in 2024-25 and the City committing $130 million to a new University of Florida graduate campus.
What people underestimate is that both cities' growth is going to the counties around them, and that both tax bills reset on a sale. Austin added 4,025 residents in 2024-25 and has grown 4.6% since 2020, while its metro grew 14.8%, the fastest of any metro of more than a million, and Travis County lost 6,590 more residents to the rest of the country than it gained. Jacksonville added 8,319, has grown 7.2% since 2020, and its metro 11.2%, third among metros of more than a million after Austin and Raleigh, but half that metro growth went to St. Johns and Nassau counties, and in 2024-25 Duval gained 101 residents from the rest of the country to St. Johns's 12,549. After a purchase both states tax a buyer at full value: Save Our Homes caps a homesteaded Florida assessment at 3% a year and resets it to market value the January after a sale, and the Texas 10% cap lapses on a sale too, so neither seller's bill is a guide, and in both the exemption has to be filed. Without one the medians would owe $11,460 in Austin and $5,943 in Jacksonville. Closing differs. Texas has no transfer tax and no tax on the loan, and the Texas seller customarily buys the buyer's owner's title policy, $3,052 on Austin's median. Florida charges documentary stamp tax on the deed at 70 cents per $100, $2,345 on Duval County's median and the seller's by convention, and the buyer pays 0.55% of the loan in stamp and intangible tax, about $1,474 at 20% down. On newer edges in both a district levy can sit on top: an address in Austin's extraterritorial jurisdiction may pay a utility district, and community development districts on Jacksonville's edges levy their own assessments, Normandy CDD $4,225.50 for a developed 50-foot lot in fiscal 2027. And both bills are in play this autumn. Four of Austin's five units had adopted 2026 rates by 27 September and Austin ISD had only proposed its own, after voters rejected a City tax increase by 63% to 37% in November 2025. Jacksonville's council held the City's 11.1919 mills for fiscal 2027 rather than cut it because of Amendment 3, a homestead tax cut on Florida's 3 November 2026 ballot that the City expects would open a revenue shortfall of about $300 million by 2028 if it passes.
Better here
- City median household income was $90,430 in 2024 against $72,389 in Jacksonville, and the metro's $99,897 against $82,053.
- Nonfarm jobs grew 1.7% around Austin in the year to July 2026, to 1,421,700, against 803,800 around Jacksonville in August, only 500 more than a year earlier.
- Violent crime ran 421 per 100,000 in 2025 against 514 in Jacksonville, and there were 51 homicides, about 5.1 per 100,000, against 80 at about 7.9, on the same FBI counts.
- Average weekly wages across the metro were $1,957 in the first quarter of 2026 against $1,654 nationally.
- CapMetro carried 26,283,400 trips in 2025 against JTA's 7,342,300, and 3.0% of workers took transit against 0.8%.
- Austin-Bergstrom handled 21,666,852 passengers in 2025 against 7,573,048 at Jacksonville International.
Worse here
- Mortgage, property tax and insurance come to about $4,041 a month on the August 2026 median, roughly 54% of the city's median household income, against $2,498 and 41% on Duval County's at the same 7.03% rate.
- Property crime ran 3,093 per 100,000 in 2025 against 2,154 in Jacksonville on the same FBI counts.
- The normals count 28.7 days a year at or above 37.8 C (100F) against 0.7 in Jacksonville, and 2023 had 80.
- The City of Austin's uninsured rate was 13.0% in 2024 against 10.1% in the City of Jacksonville.
- ERCOT's grid failed during Winter Storm Uri in February 2021, and Texas counted 28 of the storm's 246 deaths in Travis County.
- The first 9.8 miles of light rail are not due until 2033 and count on about $4.1 billion in federal money not yet awarded.
Choose Austin if
- you work in technology, semiconductors, state government or at the University of Texas
- you would pay about $1,543 a month more to own for the higher pay and the faster-growing metro
- you rent, where Zillow's observed rent index takes about 21% of median income against 27% in Jacksonville
- you want the lower violent crime and homicide rates and will plan around 100F summers and flash floods on the creeks
The Austin guide · Neighborhoods · Austin rent vs buy · Austin mortgage calculator
Better here
- Mortgage, property tax and insurance come to about $2,498 a month on Duval County's median, roughly 41% of the city's median household income, against $4,041 and 54% in Austin at the same 7.03% rate.
- Property crime ran 2,154 per 100,000 in 2025 against 3,093 in Austin, on the same FBI counts.
- The normals count 0.7 days a year at or above 37.8 C (100F), against 28.7 at Camp Mabry, and January averages 12.3 C against 11.2 C.
- Sales tax is 7.5% against 8.25%, and a homesteaded owner pays about 1.56% of the median in property tax against 1.61%.
- The City of Jacksonville's uninsured rate was 10.1% in 2024 against 13.0% in the City of Austin, and Mayo Clinic's Florida campus and Wolfson Children's Hospital are in the city.
- JAXPORT, Florida's busiest container port, CSX, the Florida East Coast Railway, NAS Jacksonville and Naval Station Mayport give the economy anchors outside technology.
Worse here
- Nonfarm jobs were 803,800 in August 2026, only 500 more than a year earlier, and financial activities lost 4,400 jobs, 6.1%.
- Murders rose from 63 in 2024 to 80 in 2025, about 7.9 per 100,000 against Austin's 5.1, and the sheriff's office cleared 55% of 2025's against 73% of 2024's.
- Only 0.8% of workers took transit in 2024, and from 2 November 2026 JTA plans a Saturday schedule on weekdays and will halt the Skyway.
- Insurance is budgeted at $275 a month and excludes flood; Irma pushed the St. Johns River downtown to a record 5.57 ft in 2017, with about 350 water rescues.
- City median household income was $72,389 in 2024, about $18,000 below Austin's.
- The seller pays documentary stamp tax of $2,345 on the median and the buyer about $1,474 in stamp and intangible tax on the loan, where Texas taxes neither the deed nor the loan.
Choose Jacksonville if
- you want to own at about $2,498 a month rather than $4,041
- you work at the port, in freight rail or logistics, in health care, or for the Navy at NAS Jacksonville or Mayport
- you want long humid summers with almost no 100F days rather than Austin's dry, hotter peaks, and will check an address's flood risk first
- you would rather plan around a hurricane season and the river than flash floods and the ERCOT grid
The Jacksonville guide · Neighborhoods · Jacksonville rent vs buy · Jacksonville mortgage calculator
Austin or Jacksonville, in short
Is Austin or Jacksonville cheaper to live in?
Jacksonville, to own, by a wide margin; renting is about level. Both cities were priced at the same 7.03% mortgage rate of 24 September 2026, though the prices are MLS medians over different areas: everything sold inside Austin, $560,000 in August 2026, and single-family houses sold in Duval County, $335,000, a county figure because none is published for the City of Jacksonville, which is 96% of the county. At 20% down the mortgage is about $2,990 against $1,788. Property tax is $9,019 a year against about $5,215 with a homestead, and insurance $300 a month against $275, so the three lines come to about $4,041 in Austin and $2,498 in Jacksonville, roughly 54% and 41% of each city's median household income, $90,430 and $72,389. Zillow's index keeps the order, $497,418 for Austin, and Zillow's index for the City of Jacksonville stood at $285,103. Zillow's observed rent index was $1,586 in Austin and $1,601 in Jacksonville in August, so against Austin's higher incomes renting there is relatively cheaper. Neither state taxes income, and sales tax is 8.25% in Austin against 7.5% in Duval County.
Is Austin or Jacksonville safer?
It depends on the measure, on figures built the same way. Both are the FBI's summarized counts for 2025 divided by Census estimates, read on 27 September and 1 October 2026. Austin is lower on violent offenses, 421 per 100,000 against 514, and on homicide, 51, about 5.1 per 100,000, against 80, about 7.9. Jacksonville is lower on property offenses, 2,154 per 100,000 against 3,093. Austin's murders fell from 66 in 2024 and Jacksonville's rose from 63, while violent offenses fell in both, 10% in Austin and 8% in Jacksonville. Every rate here is a count divided by a Census estimate rather than a published rate, and the counts can still be revised.
Which has the better job market, Austin or Jacksonville?
Austin's is nearly twice the size, growing faster and better paid; Jacksonville's is flat. BLS counted 1,421,700 nonfarm jobs around Austin in July 2026, 1.7% more than a year earlier, and 803,800 around Jacksonville in August, only 500 more. On the same unadjusted basis unemployment was 4.0% around Austin and 4.9% around Jacksonville in July. Austin's work leans on technology, semiconductors, state government and the University of Texas, and its average weekly wage was $1,957 in early 2026 against $1,654 nationally. Jacksonville's leans on JAXPORT, CSX and the Florida East Coast Railway, the Navy at NAS Jacksonville and Naval Station Mayport, and health care, which grew 3.3% while financial activities lost 4,400 jobs in the year to August 2026. Median household income was $99,897 across the Austin metro in 2024 against $82,053 around Jacksonville.
What does buying cost beyond the price in Austin and in Jacksonville?
Closing taxes in Florida, a reset in both, and district levies at the edges. Texas has no transfer tax and no tax on the loan, and the seller customarily buys the buyer's owner's title policy, $3,052 on Austin's median. Florida charges documentary stamp tax on the deed at 70 cents per $100, $2,345 on Duval County's median and the seller's by convention, and the buyer pays 0.55% of the loan in stamp and intangible tax, about $1,474 at 20% down. In both states the seller's tax bill is no guide: Save Our Homes resets a Florida assessment to market value the January after a sale, the Texas 10% homestead cap lapses on a sale, and each exemption has to be filed; without one the medians would owe $11,460 in Austin and $5,943 in Jacksonville. An address in Austin's extraterritorial jurisdiction may pay a utility district, and newer Jacksonville subdivisions can carry a community development district assessment, $4,225.50 a year for a developed 50-foot lot in Normandy CDD. Neither carry here includes flood insurance, and in Jacksonville it was the St. Johns River that flooded Downtown, Riverside and San Marco in 2017.
Where the figures come from
Housing figures are the ones behind each city's calculators, dated on those pages. The rest are listed here with the date they were retrieved. See the methodology for how facts, estimates and opinion are kept apart.
- Annual Estimates of the Resident Population for Incorporated Places in Texas: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides, Character
- Annual Resident Population Estimates and Components of Change for Metropolitan and Micropolitan Statistical Areas and Their Counties: April 1, 2020 to July 1, 2025 (CBSA-EST2025-ALLDATA) · US Census Bureau · retrieved Supports: Metro population, Five-year growth, Character
- Crime Data Explorer summarized agency data, Austin Police Department (TX2270100): violent crime, property crime and homicide, 2021-2025 · FBI · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
- NIBRS Group A Offense Crimes (Austin Police Department open data, updated 14 September 2026) · City of Austin Open Data · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
- Austin's crime dropped below pre-pandemic highs in 2025 · KUT Radio, Austin's NPR Station · retrieved Supports: Homicides, Crime trend
- US Climate Normals 1991-2020, station USW00013958 Austin Camp Mabry (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, Climate hazards, Character, January 52.2F, July 85.8F and August 86.5F from the monthly series, and annual mean 70.0F, precipitation 36.25 in, snowfall 0.2 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
- US Climate Normals 1991-2020, station USW00013904 Austin-Bergstrom International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: Climate normals
- Global Historical Climatology Network daily summaries, Austin Camp Mabry (USW00013958), 1938-2026 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards, 80 days at or above 100F in 2023 and 45 in a row from 8 July to 21 August, 90 in 2011 with a 27-day run, 112F on 5 September 2000 and 28 August 2011, 6.4 in of snow on 14 and 15 February 2021, 7F on 16 February 2021 and 4F on 23 December 1989, 5.20 in on 25 May 2015
- Global Historical Climatology Network daily summaries, Austin-Bergstrom International Airport (USW00013904), February 2021 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards
- Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved Supports: Sunshine hours
- This Holiday Weekend Marks The 40th Anniversary Of Austin's 1981 Memorial Day Flood · KUT Radio, Austin's NPR Station · retrieved Supports: Climate hazards
- October 30-31, 2013 Halloween Flash Flood Event · National Weather Service, Austin/San Antonio · retrieved Supports: Climate hazards
- Lower Onion Creek Flood Mitigation Buyout Project Gets Kudos from Homeowners · FEMA · retrieved Supports: Climate hazards
- 2015 Memorial Day Weekend Flooding, 23 to 24 May 2015 (Weather Event Summary) · National Weather Service, Austin/San Antonio · retrieved Supports: Climate hazards
- Tornado outbreak and floods of May 23 to 26, 2015 (Wimberley homes destroyed, Shoal Creek on May 25) · Wikipedia · retrieved Supports: Climate hazards
- National Weather Service releases new report on deadly Central Texas floods · KXAN Austin (via Yahoo News) · retrieved Supports: Climate hazards
- 2021 Winter Storm Uri After-Action Review, Findings Report · City of Austin and Travis County · retrieved Supports: Climate hazards
- February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved Supports: Climate hazards
- The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved Supports: Climate hazards
- Highland Lakes and Colorado River · Lower Colorado River Authority · retrieved Supports: Climate hazards
- Most LCRA agricultural customers will go without Highland Lakes water in 2024 · Lower Colorado River Authority · retrieved Supports: Climate hazards
- Drought persists in Central Texas, Water Management Plan under review · Community Impact · retrieved Supports: Climate hazards
- Water Supply Operations · Lower Colorado River Authority · retrieved Supports: Climate hazards
- ACS 2024 1-year tables B08301 and B19013 for Austin city and the Austin-Round Rock-San Marcos MSA · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
- ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Travis County and Austin city · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Health care, Character
- Unemployment Rate in Austin-Round Rock-San Marcos, TX (MSA), AUST448UR and AUST448URN · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved Supports: Unemployment rate
- All Employees: Total Nonfarm in Austin-Round Rock-San Marcos, TX (MSA), AUST448NA · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved Supports: Labour market
- Austin Area Economic Summary · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate, Main sectors, Labour market
- Major Employers · Opportunity Austin (Austin Chamber of Commerce) · retrieved Supports: Main sectors, Labour market, Health care
- City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Transit Sales and Use Tax (Austin MTA, effective July 1, 1985) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Sales and Use Tax · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Texas Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
- 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved Supports: Tax notes
- Voters OK property tax breaks for Texas homeowners, businesses · The Texas Tribune · retrieved Supports: Tax notes
- Austin voters reject Proposition Q, a tax rate increase to fund city services · KUT Radio, Austin's NPR Station · retrieved Supports: Tax notes
- CapMetro (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved Supports: Transit system, Transit ridership, Character
- CapMetro Rail (Red Line: Leander to Downtown, 32 miles, 10 stations) · Wikipedia · retrieved Supports: Transit system
- What's on track and behind schedule with Austin's transit expansion nearly 6 years later · KUT Radio, Austin's NPR Station · retrieved Supports: Transit system, Transit ridership, Tax notes, Character
- How Austin's Project Connect went off the rails · The Texas Tribune · retrieved Supports: Transit ridership, Character
- Aviation Activity Report, Calendar Year 2025 vs 2024, Combined Terminals · Austin-Bergstrom International Airport · retrieved Supports: Airport passengers
- Austin-Bergstrom International Airport (annual passenger traffic table and history) · Wikipedia · retrieved Supports: Airport passengers
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- Dell Seton Medical Center · Wikipedia · retrieved Supports: Health care
- Dell Seton Medical Center at The University of Texas · Ascension Seton · retrieved Supports: Health care
- About St. David's HealthCare · St. David's HealthCare · retrieved Supports: Health care
- Building World-Class Health Care in Austin · Michael & Susan Dell Foundation · retrieved Supports: Health care
- Austin ISD Board approves 24 state-mandated turnaround plans, school consolidation and programmatic reassignments · Austin Independent School District · retrieved Supports: Education
- District Demographics · Austin Independent School District · retrieved Supports: Education
- Austin ISD enrollment dips as transportation costs rise · Austin Current · retrieved Supports: Education, Character
- Austin ISD loses 3,000 students amid school closures and budget crisis · KUT Radio, Austin's NPR Station · retrieved Supports: Education, Character
- UT Sets All-Time Highs for Enrollment and Student Performance · UT News, The University of Texas at Austin · retrieved Supports: Education
- Annual Estimates of the Resident Population for Incorporated Places in Florida: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides, Character, Jacksonville city 949,607 (April 2020 base), 1,009,370 (2024) and 1,017,689 (2025); Duval County 1,062,963; Atlantic Beach, Baldwin, Jacksonville Beach and Neptune Beach rows
- Annual Estimates of the Resident Population for Incorporated Places of 50,000 or More (all states, SUB-EST2025) · US Census Bureau · retrieved Supports: City population, Five-year growth, Character
- 2024 Gazetteer Files: Places (national) · US Census Bureau · retrieved Supports: Character, point, Jacksonville city: 747.266 sq mi of land, 127.193 sq mi of water, internal point 30.336864, -81.661603
- Jacksonville, Florida (consolidation, land area, Jacksonville Sheriff's Office, hurricanes, economy, colleges) · Wikipedia · retrieved Supports: Character, Climate hazards, Violent crime rate, Main sectors, Education
- Crime Data Explorer summarized agency data, Jacksonville Sheriff's Office (FL0160000): violent crime, property crime, homicide, rape, robbery, aggravated assault, burglary, larceny, motor vehicle theft and arson, 2021-2025 · FBI · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Character
- JSO reporting more murders over the last year, with fewer murder cases cleared · Action News Jax · retrieved Supports: Homicides, Crime trend
- Jacksonville's 2025 homicide data reveals spikes in certain areas but only 1 gang-related death · News4JAX · retrieved Supports: Homicides
- Jacksonville violence takes historic tumble in 2024: City reports lowest homicide numbers in 2 decades · News4JAX · retrieved Supports: Homicides
- US Climate Normals 1991-2020, station USW00013889 Jacksonville International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, Climate hazards, Character, January 54.2F, July 82.5F, August 82.1F and the monthly highs, lows, rain and snow from the monthly series, and annual mean 69.3F, precipitation 53.40 in, snowfall 0.0 in, 80.1 days at 90F, 0.7 at 100F and 14.3 nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
- Global Historical Climatology Network daily summaries, Jacksonville International Airport (USW00013889), 1938-2026 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards, 113 days at or above 90F in 2025 (after 116 in 1955 and 114 in 2011), 107 in 2026 through 27 September, three days at 100F or above in 2025, 105F on 21 July 1942, 7F on 21 January 1985, 19 freezing nights in 2026, 5.18 and 4.54 in on 10 and 11 September 2017, 6.28 in on 7 October 2016, snow of 1.5 in on 13 February 1958, 0.8 in on 23 December 1989 and 0.1 in on 22 January 2025
- Post Tropical Cyclone Report, Hurricane Irma (PSHJAX, issued 22 September 2017) · National Weather Service, Jacksonville · retrieved Supports: Climate hazards, Character, St. Johns River at Main Street crest of 5.57 ft NAVD88 against Dora's 4.12 ft, the preceding nor'easter, about 350 water rescues in Duval County, 86 mph gust at the airport
- Effects of Hurricane Irma in Florida (Duval County) · Wikipedia · retrieved Supports: Climate hazards
- Irma Brings Record Flooding to Jacksonville, Cuts Power to More Than 7 Million · Weather Underground · retrieved Supports: Climate hazards
- Long Nor'easter, tidal flooding and Tropical Storm Jerry. What to expect in Jacksonville · Florida Times-Union (via Yahoo News) · retrieved Supports: Climate hazards
- Nor'easter impacts in Jacksonville and coastal flood advisory extends through weekend · Florida Times-Union (via Yahoo News) · retrieved Supports: Climate hazards
- ACS 2024 1-year tables B08301 and B19013 for Jacksonville city, Duval County and the Jacksonville MSA · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
- ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, Duval County, Jacksonville city and the Jacksonville MSA, and for the US · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Health care
- Local Area Unemployment Statistics, Jacksonville, FL MSA (LAUMT122726000000003), Jacksonville city (LAUCT123500000000003), Duval County (LAUCN120310000000003), Florida (LAUST120000000000003), the Tampa, Orlando and Miami MSAs and the US rate (LNU04000000), not seasonally adjusted · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate
- Current Employment Statistics, Jacksonville, FL MSA: total nonfarm (SMU12272600000000001, SMS12272600000000001), supersectors (SMU1227260xx00000001), finance and insurance (SMU12272605552000001) and federal, state and local government (SMU1227260909x000001) · US Bureau of Labor Statistics · retrieved Supports: Main sectors, Labour market, Character
- JAXPORT Highlights Infrastructure Progress and Long-Term Strategy at 2026 State of the Port · JAXPORT · retrieved Supports: Main sectors, Labour market, Character
- Annual Report 2024/2025 (Annual Comprehensive Financial Report for the year ended September 30, 2025) · Jacksonville Port Authority · retrieved Supports: Main sectors, Labour market, 1,388,841 TEUs against 1,340,412, 506,237 auto units against 509,091, 10,230,114 tons
- Florida Military and Defense Economic Impact Summary, January 2024 (Duval County, on 2022 figures) · Florida Defense Support Task Force / Select Florida · retrieved Supports: Main sectors, Labour market
- Naval Air Station Jacksonville · Wikipedia · retrieved Supports: Main sectors
- Naval Station Mayport · Wikipedia · retrieved Supports: Main sectors
- Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS) · Florida Department of Revenue · retrieved Supports: Sales tax
- Jacksonville Transportation Authority (toll removal and 1988 sales tax, Better Jacksonville Plan, routes, fleet, gas tax, budget) · Wikipedia · retrieved Supports: Sales tax, Transit system, Transit ridership
- Duval County, Florida, School Sales Tax Referendum (November 2020) · Ballotpedia · retrieved Supports: Sales tax
- Duval County voters approve half-cent sales tax for schools · News4JAX · retrieved Supports: Sales tax
- Florida Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes
- Property Tax Exemptions for Taxpayers (homestead exemption and Save Our Homes) · Florida Department of Revenue · retrieved Supports: Tax notes
- Jacksonville City Council approves $2B budget, restores affordable housing trust fund · Jacksonville Today · retrieved Supports: Tax notes, Health care, Education, Character
- Template:American transit ridership (APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved Supports: Transit ridership
- Skyway (Jacksonville) (length, stations, fleet, fare, Ultimate Urban Circulator) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- First Coast Flyer (lines and opening dates) · Wikipedia · retrieved Supports: Transit system
- JTA begins first AV-powered service in U.S. · Mass Transit · retrieved Supports: Transit system, Transit ridership
- Friday is deadline to give your views on Skyway options · Jacksonville Today · retrieved Supports: Transit ridership
- JTA studies Skyway options and postpones community meetings · Jacksonville Today · retrieved Supports: Transit ridership
- JTA raises fares and cuts services to make up for budget deficit · Jacksonville Today · retrieved Supports: Transit ridership
- Facing shortfall, JTA will cut jobs, reduce bus service and halt Skyway and NAVI · Jacksonville Today · retrieved Supports: Transit system, Transit ridership, Character
- Traffic statistics, enplaned and deplaned passengers by month, fiscal years 2021/2022 to 2025/2026, and enplanements by airline (prepared 14 June 2026) · Jacksonville Aviation Authority · retrieved Supports: Airport passengers
- Jacksonville International Airport (location, ownership) · Wikipedia · retrieved Supports: Airport passengers, Climate normals
- UF Health Jacksonville · Wikipedia · retrieved Supports: Health care
- Mayo Clinic Florida · Wikipedia · retrieved Supports: Health care
- Wolfson Children's Hospital · Wikipedia · retrieved Supports: Health care
- Duval Schools enrollment down 16% since 2015, drops below 100K students · Action News Jax (via Yahoo News) · retrieved Supports: Education, Character
- Duval Schools cutting 115 teacher positions due to falling enrollment · Action News Jax · retrieved Supports: Education
- Board approves delays in proposed school consolidations · Duval County Public Schools · retrieved Supports: Education
- State University System of Florida 2025-2026 Matrix · Florida Board of Governors · retrieved Supports: Education
- University of North Florida (founding, R2 classification) · Wikipedia · retrieved Supports: Education
- Fast Facts, Fall 2024 · Jacksonville University · retrieved Supports: Education
- Jacksonville University (Naval ROTC) · Wikipedia · retrieved Supports: Education
- Florida State College at Jacksonville Student Population and Demographics (IPEDS 2024-2025) · UnivStats · retrieved Supports: Education
- Duval County Public Schools (boundaries) · Wikipedia · retrieved Supports: Education
- Florida State College at Jacksonville (campuses) · Wikipedia · retrieved Supports: Education
- August 2026 Central Texas housing report · Unlock MLS · retrieved Supports: A median residential sale price of $560,000 in the City of Austin in August 2026, down 4.3% from August 2025, 844 homes sold, down 10.3%, 4,554 active listings and 4.6 months of inventory in the City of Austin, No split of the city figures by property type
- Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved Supports: A typical home value of $497,418 for the city of Austin (region 10221) in August 2026, $516,564 in August 2025, so a fall of 3.7% over the year
- Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved Supports: A typical single-family value of $527,943 in the city of Austin in August 2026, against $546,174 a year earlier, down 3.3%, A typical condominium value of $355,596 in the same month, against $375,347, down 5.3%, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
- Austin, TX average rent and rent trends · RentCafe / Yardi Matrix · retrieved Supports: An average Austin apartment rent of $1,641, down 2.25% from $1,678 a year earlier, updated 31 August 2026, Average rents of $1,287 studio, $1,421 one-bedroom, $1,812 two-bedroom and $2,405 three-bedroom
- Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved Supports: An observed rent index of $1,586 for the city of Austin in August 2026, down 0.31% from $1,591 a year earlier
- Tax rates and truth-in-taxation rate table, all taxing units · Travis County Tax Assessor-Collector · retrieved Supports: 2025 adopted rates per $100: Travis County 0.375845, City of Austin 0.524017, Austin ISD 0.9252, Austin Community College 0.1034, Travis County Healthcare District (Central Health) 0.118023, 2026 adopted rates for Travis County (0.386210), the City of Austin (0.579948), ACC (0.103643) and Central Health (0.132863), and no adopted 2026 rate yet for Austin ISD
- 2026 exemption listing, Travis County taxing units · Travis Central Appraisal District · retrieved Supports: A residence homestead exemption of $140,000 for Austin ISD, with no local option, Local option homestead exemptions of 20% with a $5,000 minimum for Travis County, the City of Austin and the Travis County Healthcare District, and 1% with a $5,000 minimum for Austin Community College, The same exemptions in the 2025 listing, dated 25 July 2025
- Property tax rates · City of Austin Budget Office · retrieved Supports: A fiscal 2026 rate of 0.524017 per $100, maintenance and operations 0.410282 and debt service 0.113735, A fiscal 2027 rate of 0.579948 per $100, adopted on 12 August 2026
- Ordinance No. 20251120-006, reducing the fiscal 2025-2026 tax rate to the voter-approval rate · City of Austin · retrieved Supports: The Council adopted a rate above the voter-approval rate on 13 August 2025, which triggered an automatic election, Proposition Q did not win a majority at the 4 November 2025 election, The rate reduced to the voter-approval rate of $0.524017 per $100 under Tax Code section 26.07(e), effective 1 December 2025
- Notice about tax year 2026 property tax rates and impact statement · Austin Independent School District · retrieved Supports: A 2025 rate of 0.9252 per $100, maintenance and operations 0.8022 and debt service 0.1230, A proposed 2026 rate of 0.9184, maintenance and operations 0.7954 and debt service 0.1230
- Austin ISD claims victory in tax rate election · KUT News · retrieved Supports: Austin ISD's Proposition A passed on 5 November 2024 with about 58% of the vote, raising the district's rate 9.1 cents, from 0.8595 to 0.9505 per $100
- Travis County Prop A, affordable child care passes with majority of vote in 2024 election, unofficial results show · Community Impact · retrieved Supports: Travis County's Proposition A, a tax rate increase of 2.5 cents per $100 to fund child care, passed on 5 November 2024 with 59.43% of the vote, 321,043 to 219,141
- Truth-in-taxation rate table, all Travis County taxing units, 2022 to 2026 · Travis County Tax Assessor-Collector · retrieved Supports: Travis Central Health: a 2026 total rate of 0.132863 per $100, maintenance and operations 0.123603 and debt service 0.00926, against a no-new-revenue rate of 0.118633 and a voter-approval rate of 0.135195; a 2025 total rate of 0.118023, Travis County: a 2024 total rate of 0.344445 per $100 against a voter-approval rate of 0.319445, the 2.5 cents voters approved, Austin ISD: total rates of 0.8595 for 2023 and 0.9505 for 2024, and for 2026 a no-new-revenue and voter-approval rate but no total rate
- ACC approves new property tax rate for fiscal year 2025-26 · Austin Community College District · retrieved Supports: A 2025 rate of 0.1034 per $100
- Central Health board approves fiscal year 2027 tax rate and budget · Central Health (Travis County Healthcare District) · retrieved Supports: The Board of Managers adopted the fiscal 2027 tax rate on Wednesday, 9 September 2026, in a release dated 10 September; the rate itself is in the county's rate table above
- Fiscal year 2027 tax rate impact statement · Travis County · retrieved Supports: A county tax of $1,653.72 in 2025 on a $550,000 homestead after the 20% exemption, the same arithmetic as here, The 2025 rate set with the disaster calculation after the July 2025 floods, which the county said would come out for fiscal 2027
- Valuing property: the homestead cap and the circuit breaker limitation · Texas Comptroller of Public Accounts · retrieved Supports: A residence homestead's appraised value may not rise more than 10% a year, from the year after the owner first qualifies, A 20% annual limit on the appraised value of non-homestead property valued at $5 million or less, the circuit breaker, which expires on 31 December 2026
- Tax Code, Section 41.44: notice of protest · Texas Legislature · retrieved Supports: A protest must be filed by 15 May or the 30th day after the appraisal notice is delivered, whichever is later
- 2025 annual report · Travis Central Appraisal District · retrieved Supports: 210,038 property value appeals filed in 2025, A districtwide single-family median level of appraisal of 1.00
- School district property value study, 2024 final findings, Austin ISD · Texas Comptroller of Public Accounts · retrieved Supports: Austin ISD's local value found within the confidence interval of the state's estimate, so the appraisal district's values stand as market value
- 2026 market values on their way · Travis Central Appraisal District · retrieved Supports: A median residence homestead market value of $493,449 in Travis County for 2026, against $519,677 in 2025
- Annexation · City of Austin Planning Department · retrieved Supports: The City collects no property tax in limited-purpose areas, On full-purpose annexation an area's emergency services district tax may be eliminated
- Senate Bill 2, 86th Legislature: the Texas Property Tax Reform and Transparency Act of 2019 · Texas Legislature Online · retrieved Supports: The enrolled bill summary names Senate Bill 2 of 2019, by Bettencourt et al., the Texas Property Tax Reform and Transparency Act of 2019, with provisions taking effect from 1 January 2020 to 1 January 2022
- Property tax process post-Senate Bill 2 (2019): explanatory Q&A · Texas Municipal League · retrieved Supports: S.B. 2 lowers the multiplier in a city's voter-approval rate from 8 percent to 3.5 percent more maintenance and operations revenue, for nearly every Texas city, A city that adopts a rate above the 3.5 percent voter-approval rate must hold an automatic election on the November uniform election date, where before voters had to petition for one
- Truth in taxation · Texas Comptroller of Public Accounts · retrieved Supports: The voter-approval rate gives taxing units other than school districts and special taxing units about the previous year's operating revenue plus an extra 3.5 percent
- Geologic wonders of Texas: Central Texas · Bureau of Economic Geology, The University of Texas at Austin · retrieved Supports: In Austin the Balcones escarpment generally parallels MoPac (Loop 1): west of it the city is hilly and east of it relatively flat, Hard Lower Cretaceous limestones and dolostones form the hills to the west, and younger Upper Cretaceous rocks including clays the flatter ground to the east
- Houston Black: Texas state soil · Soil Science Society of America, with USDA Natural Resources Conservation Service figures · retrieved Supports: Houston Black, a smectite clay that shrinks when dry and swells when wet, is found in the Blackland Prairie along the route of Interstate 35 from north of Dallas to just south of San Antonio, Construction on it is often plagued by cracking from the shrinking and swelling, and building foundations need reinforcing
- Floodplain management · City of Austin Watershed Protection Department · retrieved Supports: NOAA's Atlas 14 rainfall study of 2018 found Central Texas getting heavier rain than previously thought, and the City is updating its floodplain maps from it, In November 2019 the City based its development regulations on the current FEMA 500-year floodplain instead of the 100-year floodplain, pending completion of the updated maps; the maps are on ATXFloodPro
- Flood zones · Federal Emergency Management Agency · retrieved Supports: The Special Flood Hazard Area is the land flooded by the 1-percent-annual-chance flood, the base or 100-year flood; the ground between it and the 500-year flood is a moderate-risk zone
- Understanding flood risk: real estate, lending and insurance professionals · Federal Emergency Management Agency · retrieved Supports: Federally regulated or insured lenders must require flood insurance for every building in a Special Flood Hazard Area with a federally backed loan
- Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
- Texas homeowners insurance market overview · Texas Department of Insurance · retrieved Supports: A statewide average homeowners premium of $3,489 a year, from the Texas Statistical Plan for Residential Risks, Hail as the largest cause of paid homeowners losses in every year from 2016 to 2025 except 2021
- Texas homeowners insurance · NerdWallet · retrieved Supports: An average Austin premium of $4,250 a year and a Texas average of $5,910, for $500,000 of dwelling cover
- How much is homeowners insurance in Austin, TX? · Insure.com · retrieved Supports: An average Austin premium of $2,698 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026
- Renters insurance in Texas · NerdWallet · retrieved Supports: An average Austin renters premium of $136 a year for $30,000 of personal property
- Monthly homeowners' or condominium association fee, table B25143, 2024 American Community Survey 1-year estimates, Austin city · United States Census Bureau · retrieved Supports: A median monthly association fee of $76 among Austin owner-occupied units that pay one, 88,975 of 199,801 owner-occupied units, or 44.5%, paying such a fee, from table B25142
- City of Austin utility rates and fees, effective 1 July 2026 · City of Austin · retrieved Supports: A residential solid waste charge of $23.80 a month plus $4.70 to $40.30 by cart size, Clean Community fees of $5.45 and $4.80 a month, charged to every residential customer, A transportation user fee of $21.80 a month for a single-family home
- Homebuyer resources: Down Payment Assistance · City of Austin Housing Department · retrieved Supports: Up to $40,000 in assistance for first-time buyers at or below 80% of median family income, A sales price of no more than $440,000, on a home inside Austin's full-purpose city limits
- Conforming loan limit values for 2026, by county · Federal Housing Finance Agency · retrieved Supports: A baseline one-unit conforming loan limit of $832,750 for 2026, which is the limit in Travis County
- 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved Supports: A land area of 325.013 square miles for Austin city, against 319.937 in the 2020 file
- Northeast Florida market shows signs of a more balanced housing environment (August 2026 market report) · Northeast Florida Association of REALTORS · retrieved Supports: A median price of single-family homes in Duval County of $335,000 in August 2026, the same as July, 887 closed sales, 965 pending sales, 1,265 new listings, an active inventory of 3,057 homes and a 3.4-month supply in Duval County, and a median of 25 days on market, A six-county single-family median of $397,420, down 1.6%, and a St. Johns County median of $573,250, Monthly figures by county only, with no City of Jacksonville figure
- Inventory climbs while sales cool in the August housing market (August 2025 market report) · Northeast Florida Association of REALTORS · retrieved Supports: A median price of single-family homes in Duval County of $340,000 in August 2025, 889 closed sales, an active inventory of 4,197 homes, a 4.7-month supply and a median of 38 days on market in Duval County
- Jacksonville's Consolidation Mayor: Hans G. Tanzler Jr. · Florida Historical Quarterly, vol. 80 no. 2 (2001), via University of Central Florida STARS · retrieved Supports: Jacksonville's consolidation with Duval County on 1 October 1968
- 2025 Gazetteer files: places, Florida · United States Census Bureau · retrieved Supports: A land area of 747.33 square miles and a water area of 127.129 square miles for Jacksonville city
- 2025 final millages · Office of the Property Appraiser, Duval County, Florida, via the City of Jacksonville · retrieved Supports: For the general services district (excluding the beaches and Baldwin) and for USD1, the old City of Jacksonville: schools 6.3430, general government 11.1919, urban service district 0.0000, St. Johns River Water Management District 0.1793 and Florida Inland Navigation District 0.0270, a final total of 17.7412, Jacksonville Beach (USD2) at 18.4452, Atlantic Beach (USD3) at 17.2004, Neptune Beach (USD4) at 17.8161 and Baldwin (USD5) at 18.9701, each with a general government rate of 7.9012 or 9.4208 and its own municipal levy, No bond millage for any authority
- 2024 final millages · Office of the Property Appraiser, Duval County, Florida, via the City of Jacksonville · retrieved Supports: For the general services district: schools 6.3400, general government 11.3169, St. Johns River Water Management District 0.1793 and Florida Inland Navigation District 0.0288, a final total of 17.8650
- Millage rates · Duval County Property Appraiser, via the City of Jacksonville · retrieved Supports: Taxing districts for Duval County: GS and USD1, City of Jacksonville; USD2, Jacksonville Beach; USD3, Atlantic Beach; USD4, Neptune Beach; USD5, Baldwin, Taxing authorities for Duval County: the county public schools, the Florida Inland Navigation District and the St. Johns River Water Management District, with the four other municipalities as additional taxing authorities
- Property tax estimator · Duval County Property Appraiser · retrieved Supports: For a $350,000 purchase in Jacksonville (GS or USD1) with homestead and no portability, tax roll 2026: a school taxable value of $325,000 and a non-school taxable value of $298,589, Lines of general government 11.1919, $3,341.78; public schools by state law 3.0950, $1,005.88; by local board 2.2480, $730.60; school board voted 1.0000, $325.00; Florida Inland Navigation District 0.0270, $8.06; and St. Johns River Water Management District 0.1793, $53.54; an estimated total of $5,464.86, A $25,000 exemption against the school lines and $51,411 against the others, The estimator using the most recently certified millage, and a final bill that may also carry non-ad valorem assessments for solid waste, stormwater and other services
- Additional homestead exemption adjustment, revised January 2025 · Florida Department of Revenue · retrieved Supports: Section 196.031(1)(b), Florida Statutes, requiring the additional homestead exemption to be adjusted annually by the Consumer Price Index from the 2025 tax year, A CPI change of 2.9% and a maximum additional exemption of $25,722 for 2025, against the $25,000 base year of 2024
- Property tax information for homestead exemption, PT-113, R. 08/25 · Florida Department of Revenue · retrieved Supports: A $25,000 exemption against all taxes and an additional exemption of up to $25,000, adjusted annually for inflation, on assessed value over $50,000 for non-school taxes only, Applications on Form DR-501 to the county property appraiser by 1 March
- Homestead and other exemptions · Duval County Property Appraiser, via the City of Jacksonville · retrieved Supports: The Save Our Homes benefit limiting future annual increases in assessed value to 3% or less, removed on a sale, with the assessed value rising to market value for the next tax roll, Portability of the Save Our Homes benefit from a Florida homestead held in any of the three preceding tax roll years, on a separate application due by 1 March, Automatic annual renewal of the exemption
- Vote: 1-mill continuation, 3 November 2026 · Duval County Public Schools · retrieved Supports: Voters' approval of a 1-mill levy in 2022, and state law requiring voters to approve its continuation every four years, The ballot question on 3 November 2026 to continue the current one mill, A $300,000 home with $275,000 of taxable value paying $275 a year for the mill
- 2026 Voter's guide: Duval County referendum, extending 1-mill property tax funding for schools · News4JAX · retrieved Supports: The current authorization ending 30 June 2027, and the measure extending it from 1 July 2027 through 30 June 2031
- City fees · City of Jacksonville · retrieved Supports: Residential solid waste and stormwater fees billed as non-ad valorem assessments on property tax bills, Homestead and other ad valorem exemptions not applying to either fee
- Residential solid waste fee · City of Jacksonville, Solid Waste Division · retrieved Supports: A rate of $29.50 a month, $354 a year, per premise for 2026, and $32.00 a month, $384 a year, for 2027, subject to annual approval by the City Council, The fee collected as a non-ad valorem assessment on the property tax bill, and charged regardless of occupancy
- Frequently asked questions: stormwater fee · City of Jacksonville · retrieved Supports: A fee based on impervious area, $5 a month for the owner of an average single-family house
- Jacksonville rent report, October 2026 · Apartment List · retrieved Supports: A median rent of $1,110 for a one-bedroom and $1,306 for a two-bedroom in the city of Jacksonville, and $1,321 across all bedroom sizes, Rents down 0.1% over September and up 0.7% over the past 12 months, against -1.2% for the state and -0.4% for the nation
- Apartments for rent in Jacksonville, FL: average rent · Apartment List · retrieved Supports: Average listed rents of $1,185 and up for a studio, $1,392 and up for one bedroom, $1,636 and up for two, and $1,904 and up for three or more
- Zillow Observed Rent Index, single-family homes, smoothed, by metro · Zillow Research · retrieved Supports: A single-family observed rent index of $2,075 for the Jacksonville metro area (region 394714) in August 2026, against $2,024 a year earlier
- Median household income, median home value and tenure, tables B19013, B25077 and B25003, 2024 American Community Survey 1-year estimates · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median household income of $72,389 in Jacksonville city, against $77,735 for Florida, $84,114 in Tampa, $77,597 in Orlando and $66,337 in Miami, A median owner-occupied home value of $325,300 in Jacksonville city, against $396,900 for Florida, 240,209 of Jacksonville's 413,620 occupied homes owner-occupied
- Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, Jacksonville city · United States Census Bureau, via the Census Reporter API · retrieved Supports: 99,738 of 240,209 owner-occupied units, or 42%, paying a homeowners' association or condominium fee, A median monthly fee of $93 among them, and 7,399 paying $500 or more a month
- Documentary stamp tax · Florida Department of Revenue · retrieved Supports: 70 cents on each $100 of consideration on a deed in every county except Miami-Dade, 35 cents per $100 on a promissory note, capped at $2,450, All parties to a document liable for the tax regardless of which party agrees to pay it
- Rule 69O-186.003, Florida Administrative Code: title insurance rates · Florida Department of State, Florida Administrative Code · retrieved Supports: An owner's title insurance premium of $5.75 per $1,000 of liability to $100,000 and $5.00 per $1,000 from $100,000 to $1 million
- Best home insurance in Jacksonville, Florida (2026) · Insurify · retrieved Supports: An average Jacksonville premium of $3,471 a year for $300,000 of dwelling cover and a $1,000 deductible, against a national average of $2,417 for the same cover, updated 27 September 2026
- Florida homeowners insurance · NerdWallet · retrieved Supports: An average Jacksonville premium of $3,145 a year, $262 a month, against $3,765 in Orlando, $3,470 in Clearwater and $8,345 in Miami, A Florida average of $3,390 a year, on a sample policy with $500,000 of dwelling cover and $300,000 of liability, updated 20 February 2026
- Renters insurance in Florida · NerdWallet · retrieved Supports: An average Jacksonville renters premium of $179 a year, $15 a month
- Section 627.701, Florida Statutes: liability of insureds; hurricane deductibles · The Florida Legislature · retrieved Supports: An insurer offering hurricane deductibles of $500, 2%, 5% and 10% of the policy dwelling limits, with the $500 option not required at $250,000 of dwelling limits or more
- Flood: Citizens' flood insurance requirements · Citizens Property Insurance Corporation · retrieved Supports: Under section 627.715, Florida Statutes, most new and renewing Citizens personal residential policies with wind coverage required to carry flood insurance by 1 January 2027, Homes in a FEMA special flood hazard area required already; outside it, dwelling values of $600,000 or more from 2024, $500,000 from 2025, $400,000 from 2026 and all policies from 2027, Condominium unit-owner, tenant and wind-excluded policies exempt
- FloodSmart · Federal Emergency Management Agency, National Flood Insurance Program · retrieved Supports: Most homeowners insurance not covering flood damage, Almost one-third of National Flood Insurance Program claims, 29%, coming from outside high-risk flood areas
- Hurricane Irma brought record flooding to Jacksonville 5 years ago · News4JAX · retrieved Supports: Irma passing 100 miles west of Jacksonville early on 11 September 2017, and the river rising to a historical 5.57 feet when a rainband and 86 mph easterly gusts pushed water into the basin at high tide, Downtown streets flooded and homes in San Marco and across the city flooded, with businesses on both sides of the St. Johns River shut for months
- Hurricane Irma review: from violent Cat. 5 to record flooding · Action News Jax, First Alert Weather (Mike Buresh) · retrieved Supports: Riverside and San Marco with the worst flooding since at least 1846, A crest of 5.57 feet at the Main Street Bridge against a flood stage of 2 feet, major flooding at 3.5 feet and a previous record of 4.1 feet from Hurricane Dora in 1964
- Section 190.021, Florida Statutes: taxes; non-ad valorem assessments · The Florida Legislature · retrieved Supports: A community development district's benefit special assessments for bonds, levied annually, a lien on the property enforceable in like manner as county taxes
- Section 190.048, Florida Statutes: sale of real estate within a district; required disclosure to purchaser · The Florida Legislature · retrieved Supports: A boldfaced disclosure, in each contract for the initial sale of a parcel or residential unit in a district, that the district may impose taxes or assessments in addition to county and other local taxes
- Normandy Community Development District: about the CDD, and the fiscal 2027 final adopted budget · Normandy Community Development District · retrieved Supports: The district established by Ordinance 2022-117-E of the Jacksonville City Council, effective 24 March 2022, and about 641 acres entirely within Duval County, from https://www.normandycdd.org/about-the-cdd, For a developed 50-foot lot in fiscal 2027, operations and maintenance of $2,343.78 and Series 2024 debt service of $1,881.72, $4,225.50 in all, against $3,007.18 in fiscal 2026; a 40-foot lot at $3,380.40 and a 20-foot townhome at $1,690.20, Series 2024 bonds with annual debt service through 1 May 2054
- Bartram Park Community Development District · Bartram Park Community Development District · retrieved Supports: A community development district established in 2005 and located in Duval County
- SB 4-D (2022): Building Safety, chapter 2022-269, Laws of Florida · The Florida Senate · retrieved Supports: Milestone inspections required of condominium and cooperative associations, and a prohibition on waiving or reducing reserves for certain items after a specified date
- #AskJAXTDY: How will JEA's new electric and water rates affect me? · Jacksonville Today · retrieved Supports: JEA's electric rates up 6.2% and water and sewer rates up 8% from 1 October 2026, A residential electric bill for 1,000 kWh of $170.37 in April 2026, forecast to be $8.70 less in October, and a residential water and sewer bill for 6,000 gallons forecast at $83.50 in October
- Housing Services: Headstart to Homeownership program · City of Jacksonville, Housing and Community Development · retrieved Supports: Financial assistance of up to $25,000 for down payment and closing costs, subject to funding, Applicants who do not currently own a home, will live in it, and have household income no higher than 80% of the area median income for Duval County, Homes required to meet Section 8 Housing Quality Standards before closing, and applicants told not to sign a sales contract before approval
- Florida Hometown Heroes Housing Program · Florida Housing Finance Corporation · retrieved Supports: Down payment and closing cost assistance for first-time, income-qualified buyers in eligible occupations: health care, school staff, first responders, public safety and court employees, child care workers, service members and veterans employed full time by a Florida-based employer, Up to 5% of the first mortgage, a maximum of $35,000 and a minimum of $10,000, as a 0%, non-amortizing, 30-year deferred second mortgage that is not forgivable, An HTH 2026 program