City comparison · 1,637 km apart

Boston vs Jacksonville: which should you move to?

Boston 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.

Skyline of downtown Boston
Massachusetts · United States

Boston

Photograph: Skyline of downtown Boston · Nkon21 · CC BY 4.0 · source
The Jacksonville skyline across the St. Johns
Florida · United States

Jacksonville

Photograph: The Jacksonville skyline across the St. Johns · DXR · CC BY-SA 4.0 · source
The short answer

Both cities price in US dollars, so the figures net directly, and Jacksonville is the cheaper city on nearly every line and the lower-paid one on every line. On Zillow's index, the same measure in both, Boston's typical home was $791,816 in June 2026 and Zillow's index for the City of Jacksonville stood at $285,103 in August; Jacksonville's headline, the Northeast Florida Association of REALTORS' single-family median for Duval County, was $335,000. Mortgage, property tax and insurance come to about $4,756 a month on Boston's figure at August's 6.66% and $2,498 on the Duval median at September's 7.03%, roughly 58% and 41% of each city's median household income; at the same 7.03% Boston's would be about $4,913. Boston's property tax is the larger bill at less than half the rate, $5,465 against $5,215, and Massachusetts takes $4,780 in income tax on $100,000 where Florida takes none. Boston pays more, $97,791 in the city against $72,389. Crime is mixed: on the FBI's 2024 counts Jacksonville's violent rate was the lower, about 563 per 100,000 against 628, and its property rate the higher, about 2,620 against 2,022, and its 80 homicides in 2025, about 7.9 per 100,000, were well above Boston's 31, about 4.6. Choose Boston to live without a car, for the pay, near the teaching hospitals, in the state with the lowest uninsured rate. Choose Jacksonville for a house at about half the monthly cost, no income tax, a 12.3 C January without snow, and a city that is still growing.

Population
MeasureBostonJacksonvilleAdvantage
City population672,973 (2025)1,017,689 (2025)Not directly comparable
Metro population5,034,221 (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.
-0.8% (2020-2025)7.2% (2020-2025)Not directly comparable
01: Housing

What a home costs in each

The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.

Housing costs
MeasureBostonJacksonvilleAdvantage
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.
$791,816 (June 2026)$335,000 (August 2026)Jacksonville
Detached house benchmark
Jacksonville publishes a single house index rather than a composite, so the two rows repeat.
$858,328$335,000Jacksonville
Apartment or condominium benchmark$739,553$173,549Jacksonville
Two-bedroom rent$3,425/mo (median, June 2026)$1,306/mo (median, September 2026)Jacksonville
One-bedroom rent$2,877/mo$1,110/moJacksonville
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.
42.0% of a year's income21.6% of a year's incomeJacksonville
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$4,071/mo at 6.66%$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.
8.1×4.6×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.
$5,465/yr (0.690%, 2026)$5,216/yr (1.557%, 2025)Boston
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.
$3,611 (seller pays)$2,345 (seller pays)Boston
Rent control
A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better.
Forbidden by state lawForbidden by state lawNot directly comparable

Boston: About 0.69% of what you pay for the house. Boston charges business $27 per $1,000 against the $12 it charges you, a shift of 2.17 to one. That is why the residential rate is what it is: under MGL c.40 s.56 a municipality may move part of the levy onto commercial property, so a low published rate is evidence of a commercial tax base rather than of a cheap town. Boston is one of nine municipalities in this layer that grants a residential exemption under MGL c.59 s.5C, and it takes $351,108 of assessed value off an owner-occupied parcel. That is a flat dollar slab rather than a percentage of your house, so it is worth the same on a cheap home as on an expensive one and worth far more as a share of the bill at the bottom of the market. On the $791,816 typical home value here it produces a bill of about $5,465 a year against the $9,819 somebody who does not live in the building pays on the same house. It is not automatic: you file with the assessors, the deadline is 1 April, and you must have owned and occupied the property on the previous 1 January. Massachusetts assesses at full and fair cash value and re-sets the whole class every year, with the Department of Revenue certifying the roll every five years and reviewing the interim adjustments in between. There is no assessment freeze as in Ontario and North Carolina and no purchase reset or growth cap as in Florida, which means the useful thing a Massachusetts buyer can do that a Florida buyer cannot: the seller's current tax bill is a fair guide to what you will pay. The only lag is the lien date. Fiscal 2026 bills are charged against values as of 1 January 2025. 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.

02: Crime and safety

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.

Crime
MeasureBostonJacksonvilleAdvantage
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 publishedNot publishedNot directly comparable
Violent crime per 100,000507 (2025)514 (2025)Boston
Property crime per 100,0001,950 (2025)2,154 (2025)Boston
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.
31 (2025)80 (2025)Not directly comparable
Boston

Violent Part One offences fell from 3,636 in 2023 to 3,615 in 2024 and 3,409 in 2025 on BPD's own year-end counts, and property offences went 12,777, then 13,354, then 13,120, so the three-year direction is down on both. Homicides moved the other way and are the number people argue about: 36 in 2023, then 24 in 2024, a low the city had not seen in decades, then 31 in 2025. Even at 31 the count sits below the 38.2 five-year average, and BPD reports shootings still more than 30% under that average. All of these are preliminary until UCR coding is complete, and BPD's violent crime definition runs below the FBI's, which recorded 4,138 violent offences in Boston in 2024 against BPD's 3,615.

What the rates cover: Computed: Boston Police Department counted 3,409 Part One violent offences between 1 January and 28 December 2025 (31 homicides, 150 rapes, 760 robberies, 914 domestic aggravated assaults, 1,554 non-domestic aggravated assaults), divided by the 672,973 Vintage 2025 city population. The FBI's 2024 file for Boston gives a higher figure, 4,138 violent offences and 628 per 100k, almost all of the gap in aggravated assault; BPD's counts are its own and are preliminary until UCR coding is complete.

Homicides: City of Boston, 31 homicides in the 1 January to 28 December 2025 count, up from 24 in 2024 and down from 36 in 2023. Three of the 31 were deaths from earlier years ruled homicides in 2025. That is about 4.6 per 100,000. Commissioner Michael Cox put the 2025 total 16% below the five-year average of 38.2, and 19 of the 31 victims were shot.

Jacksonville

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.

03: Climate

Winters, summers and what the weather can do to a house

Climate normals
MeasureBostonJacksonvilleAdvantage
January mean-1.2 °C12.3 °CNot directly comparable
July mean23.4 °C28.1 °CNot directly comparable
Precipitation a year1,107 mm1,356 mmNot directly comparable
Snowfall a year125 cm0 cmNot directly comparable
Sunshine a year2,634 hours2,880 hoursJacksonville
Boston

NOAA NCEI 1991-2020 normals, Boston Logan International Airport (USW00014739): January mean 29.9 F, July mean 74.1 F and the warmest month, annual precipitation 43.59 in spread almost evenly across the twelve months, annual snowfall normal 49.2 in. Converted here to -1.2 C, 23.4 C, 1,107 mm and 125 cm. Sunshine is not in the 1991-2020 normals product; the 2,634 hours shown is the older 1961-1990 NCDC mean, 58% of possible, the same series used for Charlotte on this site.

Hazards: Nor'easters are the hazard that defines the coast here. The bomb cyclone of 4 January 2018 pushed the Boston tide gauge to 15.16 ft, beating the 15.1 ft of the Blizzard of 1978 in records kept since 1921, floated ice down Atlantic Avenue, flooded 75 homes in Winthrop and put water into the Aquarium subway station; a second nor'easter did much the same two months later. Climate Ready Boston plans against roughly 9 inches of sea level rise by 2030, 21 inches by 2050 and 36 to 40 inches (91 to 102 cm) by 2070, and the city's coastal resilience plans for Charlestown, the downtown waterfront and North End, East Boston, South Boston and Dorchester are all designed for a 1% annual chance storm at 2070 sea levels across 47 miles of shoreline. In East Boston alone the near-term works are costed to protect 10,800 residents and 250 businesses and to avoid about $620 million in losses. Away from the water the hazards are ordinary and expensive: a 49 inch snow normal, ice, and summer heat waves that are short but severe.

Jacksonville

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.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureBostonJacksonvilleAdvantage
Median household income$97,791 USD (2024)$72,389 USD (2024)Boston
Unemployment rate4.3% (July 2026)4.9% (July 2026)Boston
Sales tax6.25%7.5%Boston
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.
46%37%Jacksonville
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.
$18,229 USD$13,449 USDJacksonville
Boston

BLS counted 2,747,200 nonfarm jobs in the Boston-Cambridge-Newton MSA in July 2026, up 0.3% on the 2,739,800 of July 2025, so the metro job market is flat rather than growing. Inside the city the largest industries by employment in 2024 were health care and social assistance (68,674), professional, scientific and technical services (59,267) and educational services (50,798), and the best-paid were management of companies ($120,536 median), finance and insurance ($111,396) and professional and technical services ($104,866). Hospitals and universities are not a sideline here, they are the base of the economy, which makes the city unusually exposed to federal research funding and to international student flows. bls.gov answered 403 to the fetcher, so the employment counts come through FRED and the industry mix through Data USA, both of which restate Census and BLS series.

Main sectors: Health care and social assistance (Mass General Brigham, Beth Israel Lahey, Boston Children's), Higher education and research, Professional, scientific and technical services, Finance and insurance, especially asset management and custody banking, Life sciences and biotech, in the Longwood Medical Area and along the Charles.

Property tax is the local levy that matters. Boston's certified fiscal 2026 residential rate is $12.40 per $1,000 of full and fair cash value, and an owner who is domiciled in the home gets a residential exemption of $351,108 off the assessed value, worth $4,353.74 a year at that rate; it is not automatic on purchase and has to be filed for by 1 April. Proposition 2 1/2 caps the levy a municipality may raise rather than the rate, so a rate can fall in a year when every bill rises. Massachusetts reassesses the whole residential class at full value every year, with no cap, no freeze and no reset on sale, which means the seller's current bill is a fair guide to what a buyer will pay. Nothing is charged to take title or to borrow: no buyer transfer tax and no mortgage recording tax, only the deeds excise at $4.56 per $1,000, which MGL c.64D s.1 puts on the seller. Massachusetts does levy an estate tax, unusual among the states on this site: estates over $2 million file, and since the 2023 change a credit of up to $99,600 means only the value above $2 million is taxed, at 0.8% to 16%.

Jacksonville

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.

05: Getting around

Whether you need a car

Transit
MeasureBostonJacksonvilleAdvantage
SystemThe MBTA: three heavy rail subway lines (Red, Orange, Blue), the Green Line light rail and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track, and 8 ferry routesJacksonville 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 transit25.3% (2024)0.8% (2024)Boston
Walk or cycle to work17.4% (2024)2.0% (2024)Boston
AirportLogan International Airport (BOS), 43.2 million passengers in calendar 2025 per Massport's 2025 Year in Review, including a record 10 million international passengers, up 3.8% on 2024. It sits in East Boston, about three miles from downtown across the harbor.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
Boston

The MBTA carried 270,715,800 unlinked trips in 2025 (APTA ridership report, as cited by Wikipedia; the APTA PDF itself refused the fetcher). Average weekday ridership in the first quarter of 2026 was 851,600, of which about 326,500 on the Red, Orange and Blue lines, 124,900 on the Green Line and Mattapan trolley and 104,000 on commuter rail. Commuter rail alone passed 29 million trips in 2025 by the MBTA and Keolis year-in-review report.

Jacksonville

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).

06: Daily life

Health care, schools and what each city is like

Boston

Health care

Massachusetts has the lowest uninsured rate in the country, 2.8% in 2024 against 8.2% nationally, which is the legacy of its own 2006 coverage law and of MassHealth, the Medicaid program, expanded under the ACA. Care is still paid for through employer plans, ConnectorCare and marketplace plans, Medicare and MassHealth, and what a household pays out of pocket depends entirely on the plan. The teaching hospitals are the draw. Massachusetts General and Brigham and Women's were both named to the U.S. News 2026-2027 Best Hospitals honor roll, the top 20 in the country, with Mass General first nationally in psychiatry and McLean second, Brigham and Dana-Farber third in cancer, Brigham second in obstetrics and gynecology and eighth in neuroscience, and Mass General sixth in heart and vascular care. Beth Israel Deaconess, Tufts Medical Center, Boston Children's and the rest of the Longwood Medical Area cluster fill in the rest. Density of hospitals is not the same as an appointment: this file did not verify a wait time figure for primary or specialist care.

Education

Boston Public Schools enrolled 44,416 students in 2025-26 on the state's count, down 1,678 or 3.6% from 46,094 the year before, which itself was up from 45,742 in 2023-24. Address does not settle where a child goes. Assignment runs through a choice application, and the three exam schools, Boston Latin School, Boston Latin Academy and the John D. O'Bryant School, admit on a composite score that is 70% grade point average and 30% the MAP Growth test, with applicants competing only inside one of four socioeconomic tiers drawn from where they live. The School Committee voted 4 to 2 in November 2025 to set aside 20% of seats for the highest scorers citywide regardless of tier, and to drop the bonus points for students at high-poverty schools; the district's own simulation put Black students' share of invitations falling from 20% to 15% and white students' rising from 27% to 33%. Higher education is the city's other anchor and a large part of its economy: Boston University counted 37,737 students in fall 2024, Northeastern is the other large private university inside the city, and Harvard and MIT are across the Charles in Cambridge.

Living there

Boston is small, old and dense in a way no other city on this site is. The median home was built in 1947, 64% of occupied homes are rented, and a quarter of workers get to work on the MBTA, against about one in a hundred in Tampa. That buys a life much of the city can live without a car, and it costs the most money of the American cities here: Zillow's typical value for June 2026 is $791,816. Winter is the part people underestimate, a 49 inch snow normal and a January mean below freezing, and the housing stock that gives the city its look is the housing stock that has to be heated. The open question is on the waterfront. The Seaport was built out over the last twenty-five years on filled land at the harbor's edge, the January 2018 tide showed what a nor'easter can do at high water, and the city now designs its coastal defenses to 2070 sea levels.

Jacksonville

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.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, so the figures net directly, though the headlines are different instruments. Boston's is Zillow's typical home value for the city, $791,816 in June 2026 and 1.3% below a year earlier. Jacksonville's is the Northeast Florida Association of REALTORS' median sale price of single-family homes in Duval County, $335,000 in August on 887 closed sales, 1.5% below a year earlier; the association publishes no City of Jacksonville figure, and the city is 96% of the county's people. On the same Zillow index, the like-for-like measure, Zillow's index for the City of Jacksonville stood at $285,103 in August, 0.8% lower on the year, and Boston's typical home is about 2.8 times it. Boston's is 8.1 times its 2024 median household income of $97,791; the Duval median is 4.6 times Jacksonville's $72,389, and Zillow's value 3.9 times. At 20% down, Boston's $633,453 loan at Freddie Mac's August 2026 rate of 6.66% costs $4,071 a month, and the $268,000 loan on the Duval median at 7.03%, the rate for 24 September, $1,788. A Boston owner-occupier who files the residential exemption pays about $5,465 a year, 0.69% of the price, against $5,215 for a homesteaded buyer in Jacksonville, 1.56%. Insurance is $230 a month against $275, the Jacksonville figure an estimate between published averages of $3,145 and $3,471 a year, with a separate hurricane deductible and no flood policy in it. The three lines come to about $4,756 and $2,498, roughly 58% and 41% of local median income; at 7.03% Boston's would be about $4,913, and on Zillow's value for Jacksonville the carry would be about $2,158. Rent shows the same gap on the same measure: Zillow's observed rent index was $3,425 in Boston in June and $1,601 in Jacksonville in August, about 42% and 27% of median income.

The two cities' own figures are built differently, and the answer depends on the line. Boston Police counted 3,409 Part One violent offenses between 1 January and 28 December 2025, about 507 per 100,000 on 672,973 residents, and 13,120 property offenses, about 1,950. Jacksonville's are the FBI's summarized counts for the Jacksonville Sheriff's Office in 2025: 5,231 violent offenses, 514 per 100,000 on 1,017,689 residents, and 21,920 property offenses, 2,154. Boston's department counts below the FBI, so the fairer comparison is the FBI's 2024 counts for both. They gave Boston 4,138 violent offenses, about 628 per 100,000, and Jacksonville 5,680, about 563 on its 2024 population estimate; property offenses were about 2,022 and 2,620. So on the same file Jacksonville's violent rate was about a tenth lower and its property rate about 30% higher. Homicide is the clearest gap: 80 in Jacksonville in 2025, about 7.9 per 100,000, up from 63, against 31 in Boston, about 4.6, up from 24. The longer directions are both down. Boston's violent and property counts fell over three years. Jacksonville's violent offenses fell 8% in 2025 and are 19% below 2021, and its property offenses fell 17%, with motor vehicle theft down 41% in a year, though its sheriff's office cleared 55% of 2025's murders against 73% of 2024's. Every rate here is a count divided by a population; Boston's counts are preliminary until UCR coding, and Jacksonville's, read on 1 October 2026, can still be revised.

Jacksonville has the mild winter and Boston the cool summer, and both coasts flood in a nor'easter. January averages 12.3 C at Jacksonville International, inside the city, against -1.2 C at Logan, and July 28.1 C against 23.4 C. Jacksonville gets 1,356 mm of rain a year, 54% of it from June through September, against Boston's 1,107 mm spread almost evenly across the months. Snow is a season in Boston at 125 cm and almost unknown in Jacksonville, where the airport measured 0.1 in on 22 January 2025 and 1.5 in (3.8 cm) in 1958. On the older 1961-1990 series Jacksonville had 2,880 hours of sun against Boston's 2,634. Jacksonville's heat is long rather than extreme, 80.1 days a year at 90F or above on the normals and under one at 100F, and its cold is brief, 14.3 freezing nights a year. Boston's defining hazard is the nor'easter at high tide: the bomb cyclone of 4 January 2018 pushed the tide gauge to a record 15.16 ft, and the city designs 47 miles of shoreline for 36 to 40 inches (91 to 102 cm) of sea level rise by 2070. Jacksonville gets nor'easters too, as tidal flooding along the ocean, the Intracoastal Waterway and the St. Johns River, and adds the hurricane season: Irma in 2017 helped push the river downtown to a record 5.57 ft, with about 350 water rescues, though the city has had one direct hurricane strike since 1871. An owner's utility premium over a renter is $210 a month in Boston, where the owner heats, against $160 in Jacksonville.

Boston's labor market is more than three times the size of Jacksonville's and pays far more; neither grew much over the last year. On the same unadjusted basis unemployment in July 2026 was 4.3% in greater Boston and 4.9% around Jacksonville. Boston's 2,747,200 nonfarm jobs in July were 0.3% more than a year earlier, and Jacksonville's 803,800 in August only 500 more. Boston's base is hospitals and universities: inside the city health care led employment at 68,674 jobs in 2024, then professional and technical services at 59,267 and education at 50,798, which ties it to federal research funding and international students. Jacksonville's is the river and the Navy: JAXPORT, Florida's No. 1 container port by volume, CSX and the Florida East Coast Railway, Naval Air Station Jacksonville and Naval Station Mayport, with defense spending's total impact in Duval County put at $9.1 billion, and health care, its fastest-growing large sector. Finance is shrinking there, down 6.1% in a year, and federal payroll jobs fell 8.4%. Incomes favor Boston by a wide margin: $97,791 in the city in 2024 against $72,389, and $117,825 across its metro against $82,053. Income tax favors Jacksonville. Massachusetts charges 5% above a $4,400 personal exemption, so a single filer on $100,000 pays about $18,229 in Boston against $13,449 of federal tax alone in Jacksonville, and a 4% surtax above $1,083,150 of taxable income takes the top combined rate to 46% against 37%. Property tax is $249 a year higher on Boston's typical home than on the Duval median, and sales tax runs the other way, 6.25% against 7.5%.

Transit is the widest gap between them. In 2024, 25.3% of Boston's workers commuted on the MBTA, 17.4% walked or cycled and only 31.3% drove alone; in Jacksonville 0.8% took transit, the second-lowest share of any city this site compares, 2.0% walked or cycled and 70.9% drove alone. The MBTA runs three heavy rail lines, the Green Line and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track and 8 ferry routes, and carried 270,715,800 trips in 2025, about 37 times the Jacksonville Transportation Authority's 7,342,300, for a city with a third fewer people than Jacksonville. JTA runs buses, the four-line First Coast Flyer bus rapid transit network every 20 minutes on weekdays, a river ferry and the Skyway, and it is cutting back: facing a $39 million hole, it plans up to 194 layoffs and a Saturday schedule on weekdays from 2 November 2026, when the 2.5-mile Skyway, down to two working vehicles, stops running. The footprints explain part of it. Jacksonville covers 747 square miles of land, the most of any city in the contiguous United States, because consolidation with Duval County in 1968 took in almost all of it. Logan, about three miles from downtown Boston across the harbor, handled 43.2 million passengers in 2025, about 5.7 times Jacksonville International's 7,573,048; Jacksonville's airport is about 12 miles north of downtown.

The two states sit far apart on coverage. Massachusetts had the lowest uninsured rate in the country in 2024, 2.8%, from its own 2006 coverage law and MassHealth. Florida's was 10.9%, the sixth highest of any state, and the City of Jacksonville's 10.1%, and Florida is one of the ten states that have not expanded Medicaid, though an organizing committee relaunched a ballot initiative to expand it in February 2026. Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll. Jacksonville's academic hospital is UF Health Jacksonville, with 695 beds downtown and North Florida's Level I trauma center, and the city budgets $56 million for its indigent care in fiscal 2027; Mayo Clinic's Florida campus, Mayo's first outside Rochester, is on the Southside, and Wolfson Children's is the region's only Level I pediatric trauma center verified by the American College of Surgeons. Neither profile verified a wait time for care. The schools are shrinking in both. Boston Public Schools enrolled 44,416 in 2025-26, 3.6% fewer than a year earlier, and a choice application rather than an address settles assignment. Duval County Public Schools, whose boundaries match the county's, has fallen below 100,000 students for the first time in modern history, 16% fewer than in 2015, as charters, homeschooling and state scholarships grew. Boston University counted 37,737 students in fall 2024, with Harvard and MIT across the Charles; the University of North Florida enrolled 16,575 in 2024 and Florida State College at Jacksonville 23,556 in 2024-25.

What people underestimate is how differently the two property taxes behave over time, and which city is growing. Boston's residential exemption takes $351,108 off the assessed value, worth about $4,354 a year at the fiscal 2026 rate of $12.40 per $1,000, and has to be filed by 1 April; without it the benchmark bill is about $9,819. Massachusetts reassesses at full value every year with no cap and no reset on a sale, so a Boston seller's bill is a fair guide to yours. Florida works the other way. Jacksonville's homestead takes $25,000 off every levy and a second slice off all but the school district's, filed with the property appraiser by 1 March, and Save Our Homes then caps the assessment's growth at 3% a year, but the cap resets to market value after a sale, so a long-time owner's bill is no guide; without the exemption the Duval median owes about $5,943 on 17.7412 mills. The City adds solid waste and stormwater fees, about $414 a year for a house, and held its rate for fiscal 2027 against Amendment 3, the homestead tax cut on Florida's 3 November 2026 ballot. Closing costs differ too. Massachusetts charges nothing to take title or to borrow, and the seller pays the deeds excise, $4.56 per $1,000, about $3,611 on Boston's typical home. Florida charges the seller 70 cents per $100 on the deed, about $2,345 on the Duval median, and the buyer 0.55% of the loan, about $1,474. And only one city is growing. Boston is the only city on this site with fewer people than in 2020; Jacksonville added 68,082 since then, 7.2%, and its metro 11.2%, though half the metro's growth has been in St. Johns and Nassau counties outside the city.

Boston

Better here

  • 25.3% of workers commuted on the MBTA in 2024 and only 31.3% drove alone, against 0.8% on transit and 70.9% driving alone in Jacksonville.
  • Massachusetts had the country's lowest uninsured rate in 2024 at 2.8%, against 10.9% in Florida and 10.1% in the City of Jacksonville.
  • City median household income was $97,791 in 2024 against $72,389, and the metro figure $117,825 against $82,053.
  • There were 31 homicides in 2025, about 4.6 per 100,000, against 80 and about 7.9 in Jacksonville, and property crime ran about 2,022 per 100,000 against 2,620 on the FBI's 2024 counts.
  • Logan handled 43.2 million passengers in 2025, about 5.7 times Jacksonville International's 7,573,048, and sits about three miles from downtown.
  • Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll, and sales tax is 6.25% against 7.5%.

Worse here

  • Mortgage, property tax and insurance come to about $4,756 a month at August 2026's 6.66%, and about $4,913 at Jacksonville's 7.03%, against $2,498, before condominium fees and heat.
  • Zillow's typical Boston home was $791,816 in June 2026, and Zillow's index for the City of Jacksonville stood at $285,103 in August, on the same index.
  • Zillow's observed rent index was $3,425 in June 2026 against $1,601 in Jacksonville in August.
  • Massachusetts income tax took about $4,780 from a single filer on $100,000 in 2025, which Florida does not charge, and the surtax takes the top combined rate to 46% against 37%.
  • January averages -1.2 C on a 125 cm snow normal, and the owner's utility premium is $210 a month against $160 in Jacksonville.
  • Violent crime ran about 628 per 100,000 on the FBI's 2024 counts against about 563 in Jacksonville.

Choose Boston if

  • you would use the MBTA daily and want to live without a car
  • you work in a teaching hospital, a university lab, life sciences or asset management
  • you want coverage in the state with the country's lowest uninsured rate
  • you want the pay to match the prices, at a city median household income of $97,791 rather than $72,389

The Boston guide · Neighborhoods · Boston rent vs buy · Boston mortgage calculator

Jacksonville

Better here

  • Mortgage, property tax and insurance come to about $2,498 a month on Duval County's August 2026 median, against about $4,913 in Boston at the same 7.03% rate.
  • Florida levies no income tax, so $100,000 pays $13,449 in federal tax for 2025 against about $18,229 in Boston.
  • Property tax is about $5,215 a year with a homestead, $249 less than Boston's bill, on a headline price well under half of Boston's.
  • January averages 12.3 C with no snow in the normals, against -1.2 C and 125 cm in Boston, and the older series gives 2,880 hours of sun against 2,634.
  • Violent crime ran about 563 per 100,000 on the FBI's 2024 counts against about 628 in Boston.
  • The city grew 7.2% from 2020 to 2025 and its metro 11.2%, while Boston has fewer people than in 2020.

Worse here

  • City median household income was $72,389 in 2024 against $97,791, and the metro's $82,053 against $117,825.
  • There were 80 homicides in 2025, about 7.9 per 100,000, against 31 and about 4.6 in Boston, and property crime ran about 2,620 per 100,000 against 2,022 on the FBI's 2024 counts.
  • Only 0.8% of workers commuted by transit in 2024, and JTA plans up to 194 layoffs and a Saturday schedule on weekdays from 2 November 2026.
  • Florida's uninsured rate was 10.9% in 2024, the sixth highest of any state, against 2.8% in Massachusetts, and Florida has not expanded Medicaid.
  • The normals count 80.1 days a year at 90F or above, and Irma helped push the St. Johns River downtown to a record 5.57 ft in 2017.
  • The metro added only 500 jobs in the year to August 2026, and unemployment was 4.9% in July against 4.3% around Boston.

Choose Jacksonville if

  • you want to own a house, at about $2,498 a month on Duval County's median rather than $4,913 on Boston's typical home at the same rate
  • you work for the Navy, at the port, for the railroads or in health care at Mayo Clinic, Baptist or UF Health
  • you would keep more of a salary in a state with no income tax
  • you will drive anyway and would rather have a 12.3 C January than 125 cm of snow

The Jacksonville guide · Neighborhoods · Jacksonville rent vs buy · Jacksonville mortgage calculator

08: Questions people ask

Boston or Jacksonville, in short

Is Boston or Jacksonville cheaper to live in?

Jacksonville, on every line but insurance and sales tax. Both cities price in US dollars, so the figures net directly. On Zillow's index Boston's typical home was $791,816 in June 2026, and Zillow's index for the City of Jacksonville stood at $285,103 in August; Jacksonville's headline, the single-family median for Duval County, was $335,000. The mortgage at 20% down is $4,071 against $1,788, though Boston's uses August's 6.66% rate and Jacksonville's September's 7.03%. Property tax is about $5,465 a year in Boston with the residential exemption against $5,215 with a homestead, and insurance $230 a month against $275, so the three lines come to about $4,756 in Boston and $2,498 in Jacksonville, or about $4,913 in Boston at the same 7.03%. Against pay the gap narrows: that is roughly 58% and 41% of each city's median household income, $97,791 and $72,389. Renting on Zillow's observed rent index is $3,425 in Boston against $1,601 in Jacksonville, about 42% and 27% of median income. Massachusetts also takes about $4,780 in income tax on $100,000 that Florida does not, while sales tax is 6.25% against 7.5%.

Is Boston or Jacksonville safer?

It depends on the line, and on homicide Boston clearly. The fairest comparison is the FBI's 2024 counts for both, since Boston's department counts below the FBI: they gave Boston about 628 violent offenses per 100,000 and Jacksonville about 563, and property offenses about 2,022 and 2,620. For 2025 Boston Police's own count gives about 507 violent and 1,950 property offenses per 100,000, and the FBI's counts for Jacksonville 514 and 2,154. Homicide was 80 in Jacksonville in 2025, about 7.9 per 100,000, against 31 in Boston, about 4.6, and both rose, Jacksonville's from 63 and Boston's from 24. Jacksonville's violent offenses fell 8% in 2025 and its property offenses 17%. None of these are published rates, Boston's counts are preliminary until UCR coding, and Jacksonville's, read on 1 October 2026, can still be revised.

Which has the better job market, Boston or Jacksonville?

Boston's, on size and pay; neither grew much over the last year. In July 2026, on the same unadjusted basis, unemployment was 4.3% in greater Boston and 4.9% around Jacksonville. Boston's 2,747,200 nonfarm jobs in July were 0.3% more than a year earlier, and Jacksonville's 803,800 in August 500 more. Boston's metro median household income was $117,825 in 2024 against $82,053 around Jacksonville, and its city's $97,791 against $72,389. Each leans on federal money in its own way. Boston's base is health care, professional services and education, which ties it to federal research funding and international students. Jacksonville's is the port, the railroads and the Navy, with defense spending's total impact in Duval County put at $9.1 billion, and health care, its fastest-growing large sector; its finance jobs fell 6.1% and its federal payroll jobs 8.4% in the year to August 2026.

Does Florida having no income tax make Jacksonville cheaper than Boston?

Yes, and on these figures Jacksonville's property tax adds to the gap rather than taking it back. A single filer on $100,000 pays about $18,229 in Boston for 2025, $4,780 of it to Massachusetts at 5% above a $4,400 personal exemption, against $13,449 of federal tax alone in Jacksonville. Florida collects through property instead, but here it still collects less: a homesteaded buyer pays about $5,215 a year on the Duval median, an effective 1.56%, against about $5,465 on Boston's typical home with the residential exemption, 0.69%. Jacksonville's rate is more than twice Boston's and its bill $249 smaller on a house well under half the price. At Jacksonville's median household income of $72,389, Massachusetts would take about $3,399. Sales tax runs the other way, 7.5% in Duval against 6.25%, and Jacksonville's bill also carries about $414 a year in City solid waste and stormwater fees that no exemption reduces. The bill can move: the City held its rate for fiscal 2027 against Amendment 3, the homestead tax cut on Florida's 3 November 2026 ballot.

Sources

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.

  1. Boston, MA Population (2025), citing US Census Bureau PEP Vintage 2025 · Every City in the USA (compiling US Census Bureau) · retrieved
    Supports: City population, Five-year growth
  2. Resident Population in Boston-Cambridge-Newton, MA-NH (MSA), BOSPOP · FRED, Federal Reserve Bank of St. Louis (US Census Bureau data) · retrieved
    Supports: Metro population, Five-year growth
  3. Boston (2020 census count and land area) · Wikipedia · retrieved
    Supports: City population, Five-year growth
  4. Part One Crime Reported, citywide by offence and district, 1/1/2024 to 12/28/2024 vs 1/1/2025 to 12/28/2025 · Boston Police Department · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  5. Part One Crime Reported, citywide by offence and district, 1/1/2023 to 12/29/2023 vs 1/1/2024 to 12/29/2024 · Boston Police Department · retrieved
    Supports: Crime trend
  6. Crime Stats · Boston Police Department · retrieved
    Supports: Crime trend
  7. Boston's yearly homicide rate increases 30%, from 24 killings to 31 · Boston.com · retrieved
    Supports: Homicides, Crime trend
  8. Boston leaders tout the city's low crime rate in 2025 · The Boston Globe · retrieved
    Supports: Homicides, Crime trend
  9. Boston, MA Crime Rates: Stats & Map (FBI UCR 2024 data, released September 2025) · AreaVibes · retrieved
    Supports: Violent crime rate, Property crime rate, Crime trend
  10. US Climate Normals 1991-2020, station USW00014739 Boston Logan International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals
  11. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours
  12. USA: Storm and High Tide Cause Coastal Flooding in North East · FloodList · retrieved
    Supports: Climate hazards
  13. Climate Ready East Boston (case study) · American Society of Landscape Architects · retrieved
    Supports: Climate hazards
  14. Coastal Resilience Planning · City of Boston · retrieved
    Supports: Climate hazards
  15. Coastal Resilience Implementation · City of Boston · retrieved
    Supports: Climate hazards, Character
  16. ACS 2024 1-year tables B08301 and B19013 for Boston city and the Boston-Cambridge-Newton MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share
  17. Boston, MA profile, ACS 2024 1-year · Census Reporter (US Census Bureau ACS) · retrieved
    Supports: Walk and cycle commute share, Median household income
  18. ACS 2024 1-year tables B25035 and B25003 for Boston city · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Character
  19. Unemployment Rate in Boston-Cambridge-Newton, MA-NH (MSA), LAUMT251446000000003 · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  20. All Employees: Total Nonfarm in Boston-Cambridge-Newton, MA-NH (MSA), SMS25144600000000001 · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  21. Boston, MA · Data USA (Census ACS) · retrieved
    Supports: Main sectors, Labour market
  22. Massachusetts Tax Rates & Rankings (2026) · Tax Foundation · retrieved
    Supports: Sales tax, Top marginal income tax
  23. 2025 Tax Brackets · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  24. What is Massachusetts Income Tax? Rates & Tax Brackets · TaxAct · retrieved
    Supports: Income tax on $100,000
  25. Massachusetts Millionaire Surtax 2026, citing Department of Revenue certified thresholds · Morkel Financial · retrieved
    Supports: Top marginal income tax
  26. Don't Call it the 'Millionaires' Tax: Inflation is Raising the Bar on Who Pays Massachusetts' High-earner Levy · Massachusetts High Technology Council · retrieved
    Supports: Top marginal income tax
  27. Massachusetts State Taxes: What You'll Pay in 2026 · AARP · retrieved
    Supports: Tax notes, Top marginal income tax
  28. Residential exemption · City of Boston Assessing Department · retrieved
    Supports: Tax notes
  29. Massachusetts Bay Transportation Authority (citing the APTA ridership report and MBTA figures) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  30. MBTA Sees Over 29 Million Trips in 2025, citing the MBTA and Keolis TRACKed year-in-review · American-Rails.com · retrieved
    Supports: Transit ridership
  31. 2025 Year in Review · Massport · retrieved
    Supports: Airport passengers
  32. Explore Uninsured in Massachusetts (US Census Bureau ACS 1-year 2024) · America's Health Rankings, United Health Foundation · retrieved
    Supports: Health care
  33. Mass General Brigham Hospitals Named Among Nation's Best by U.S. News & World Report (2026-2027 rankings) · Mass General Brigham · retrieved
    Supports: Health care
  34. Enrollment Data (2025-26), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  35. Enrollment Data (2024-25), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  36. Enrollment Data (2023-24), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  37. Exam Schools Admissions FAQs · Boston Public Schools · retrieved
    Supports: Education
  38. Boston School Committee approves changes to exam school admissions · WBUR · retrieved
    Supports: Education
  39. Common Data Set 2024-2025, section B: Enrollment and Persistence (Fall 2024) · Boston University, Analytical Services & Institutional Research · retrieved
    Supports: Education
  40. 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
  41. 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
  42. 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
  43. 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
  44. Jacksonville, Florida (consolidation, land area, Jacksonville Sheriff's Office, hurricanes, economy, colleges) · Wikipedia · retrieved
    Supports: Character, Climate hazards, Violent crime rate, Main sectors, Education
  45. 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
  46. JSO reporting more murders over the last year, with fewer murder cases cleared · Action News Jax · retrieved
    Supports: Homicides, Crime trend
  47. Jacksonville's 2025 homicide data reveals spikes in certain areas but only 1 gang-related death · News4JAX · retrieved
    Supports: Homicides
  48. Jacksonville violence takes historic tumble in 2024: City reports lowest homicide numbers in 2 decades · News4JAX · retrieved
    Supports: Homicides
  49. 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
  50. 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
  51. 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
  52. Effects of Hurricane Irma in Florida (Duval County) · Wikipedia · retrieved
    Supports: Climate hazards
  53. Irma Brings Record Flooding to Jacksonville, Cuts Power to More Than 7 Million · Weather Underground · retrieved
    Supports: Climate hazards
  54. Long Nor'easter, tidal flooding and Tropical Storm Jerry. What to expect in Jacksonville · Florida Times-Union (via Yahoo News) · retrieved
    Supports: Climate hazards
  55. Nor'easter impacts in Jacksonville and coastal flood advisory extends through weekend · Florida Times-Union (via Yahoo News) · retrieved
    Supports: Climate hazards
  56. 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
  57. 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
  58. 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
  59. 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
  60. JAXPORT Highlights Infrastructure Progress and Long-Term Strategy at 2026 State of the Port · JAXPORT · retrieved
    Supports: Main sectors, Labour market, Character
  61. 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
  62. 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
  63. Naval Air Station Jacksonville · Wikipedia · retrieved
    Supports: Main sectors
  64. Naval Station Mayport · Wikipedia · retrieved
    Supports: Main sectors
  65. Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS) · Florida Department of Revenue · retrieved
    Supports: Sales tax
  66. 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
  67. Duval County, Florida, School Sales Tax Referendum (November 2020) · Ballotpedia · retrieved
    Supports: Sales tax
  68. Duval County voters approve half-cent sales tax for schools · News4JAX · retrieved
    Supports: Sales tax
  69. Florida Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes
  70. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  71. Property Tax Exemptions for Taxpayers (homestead exemption and Save Our Homes) · Florida Department of Revenue · retrieved
    Supports: Tax notes
  72. Jacksonville City Council approves $2B budget, restores affordable housing trust fund · Jacksonville Today · retrieved
    Supports: Tax notes, Health care, Education, Character
  73. Template:American transit ridership (APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved
    Supports: Transit ridership
  74. Skyway (Jacksonville) (length, stations, fleet, fare, Ultimate Urban Circulator) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  75. First Coast Flyer (lines and opening dates) · Wikipedia · retrieved
    Supports: Transit system
  76. JTA begins first AV-powered service in U.S. · Mass Transit · retrieved
    Supports: Transit system, Transit ridership
  77. Friday is deadline to give your views on Skyway options · Jacksonville Today · retrieved
    Supports: Transit ridership
  78. JTA studies Skyway options and postpones community meetings · Jacksonville Today · retrieved
    Supports: Transit ridership
  79. JTA raises fares and cuts services to make up for budget deficit · Jacksonville Today · retrieved
    Supports: Transit ridership
  80. Facing shortfall, JTA will cut jobs, reduce bus service and halt Skyway and NAVI · Jacksonville Today · retrieved
    Supports: Transit system, Transit ridership, Character
  81. 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
  82. Jacksonville International Airport (location, ownership) · Wikipedia · retrieved
    Supports: Airport passengers, Climate normals
  83. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  84. UF Health Jacksonville · Wikipedia · retrieved
    Supports: Health care
  85. Mayo Clinic Florida · Wikipedia · retrieved
    Supports: Health care
  86. Wolfson Children's Hospital · Wikipedia · retrieved
    Supports: Health care
  87. Duval Schools enrollment down 16% since 2015, drops below 100K students · Action News Jax (via Yahoo News) · retrieved
    Supports: Education, Character
  88. Duval Schools cutting 115 teacher positions due to falling enrollment · Action News Jax · retrieved
    Supports: Education
  89. Board approves delays in proposed school consolidations · Duval County Public Schools · retrieved
    Supports: Education
  90. State University System of Florida 2025-2026 Matrix · Florida Board of Governors · retrieved
    Supports: Education
  91. University of North Florida (founding, R2 classification) · Wikipedia · retrieved
    Supports: Education
  92. Fast Facts, Fall 2024 · Jacksonville University · retrieved
    Supports: Education
  93. Jacksonville University (Naval ROTC) · Wikipedia · retrieved
    Supports: Education
  94. Florida State College at Jacksonville Student Population and Demographics (IPEDS 2024-2025) · UnivStats · retrieved
    Supports: Education
  95. Duval County Public Schools (boundaries) · Wikipedia · retrieved
    Supports: Education
  96. Florida State College at Jacksonville (campuses) · Wikipedia · retrieved
    Supports: Education
  97. Tax Rates by Class, fiscal year 2026 · Massachusetts Department of Revenue, Division of Local Services, Municipal Databank · retrieved
    Supports: The certified fiscal 2026 residential rate for each of the twenty-four municipalities, from Cambridge at $6.67 to Everett at $12.62, The commercial, industrial and personal property rate behind each of them, which gives the classification shift, That Arlington and Belmont charge a single rate to all classes, That fiscal 2026 is the most recent fully certified year: at the retrieval date only two of the state's 352 municipalities had a fiscal 2027 rate on the table
  98. City of Somerville FY2026 Classification Hearing, 25 November 2025, and the FY2026 Property Tax Update · Somerville Board of Assessors · retrieved
    Supports: A residential exemption of 35% of average assessed value adopted for fiscal 2026, yielding savings of up to $4,578, A minimum residential factor of 82.816, the legal minimum for the city, Form LA-4 parcel counts and assessed values by use code, from which the average Class One value of about $1,191,000 follows, That Somerville carries 7,251 condominium parcels against 2,315 single-family parcels, That life science property in this market depreciated about 20% between fiscal 2025 and fiscal 2026
  99. City Council meeting minutes, 28 October 2025: adoption of a residential exemption and minimum residential factor for fiscal 2026 · City of Malden · retrieved
    Supports: A unanimous vote to adopt a residential factor of 0.9054 and a residential exemption of 35%, raised from 30%, The council's own statement on the record that the increase is a tax shift benefiting owner-occupied households and not a tax cut, and that the shift is budget neutral, Average fiscal 2026 values of $449,000 for a condominium, $666,000 for a single family, $861,000 for a two-family and $991,000 for a three-family, That the increase from 30% to 35% is worth about $291 a year, from which the $178,684 exemption value here is derived, A Proposition 2 1/2 override under discussion for fiscal 2027 at $5.4 million and $8.2 million
  100. Residential exemption information for fiscal year 2026 · City of Chelsea Board of Assessors · retrieved
    Supports: An exemption of 35% of the average assessed value of all Class One residential parcels, $279,066 of assessed value excluded for fiscal 2026, worth $3,203.68 at the city's $11.48 rate, The 1 April 2026 filing deadline and the 1 January ownership and occupancy test
  101. Residential exemption information, fiscal year 2026 · City known as the Town of Watertown, Assessing Department · retrieved
    Supports: The maximum 35% exemption recommended by the assessors and adopted by the council for fiscal 2026, $324,715 of assessed value excluded, worth $3,961.52 at the town's $12.20 rate
  102. Residential exemptions · Town of Brookline Assessors · retrieved
    Supports: $354,974 deducted from a qualified owner-occupier's assessed value for fiscal 2026, That the exemption may be not more than 35% of the average assessed value of all Class One residential parcels and that the amount changes each year
  103. Assessor's Department: the residential exemption · City of Waltham · retrieved
    Supports: $317,643 of assessed value removed from an owner-occupied residence of up to three units for fiscal 2026, The maximum 35% exemption continued by the city council, The 1 January 2025 ownership and occupancy test for the fiscal 2026 year
  104. Assessor's office: owner-occupant residential exemption, fiscal year 2026 · City of Everett · retrieved
    Supports: $204,651 of taxable value removed from an owner-occupied parcel, worth $2,582.70 at the city's $12.62 rate
  105. Residential exemption and fiscal 2026 tax rates · City of Cambridge Assessing Department · retrieved
    Supports: A 30% residential exemption for fiscal 2026, $510,208 of assessed value, worth about $3,403, A residential rate of $6.67 per $1,000 set by the city council on 20 October 2025, the lowest in the Commonwealth
  106. Zillow Home Value Index (ZHVI), mid-tier, smoothed and seasonally adjusted: city files for all homes, single family and condominium, June 2026 · Zillow Research · retrieved
    Supports: A typical home value for each municipality, computed on one method across all twenty-four, The same series and month the Charlotte, Orlando, Palm Beach, Miami and Tampa Bay pages use, A separate single-family and condominium index for every one of these municipalities, Year-over-year change to June 2026, which is negative in three of the twenty-four
  107. Fiscal Year 2026 Fair Market Rents: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved
    Supports: $2,476 for one bedroom, $2,941 for two and $3,526 for three, The ratios this layer uses to split the Zillow rent index by bedroom count, which differ from the Florida layers'
  108. Annual estimates of the resident population for minor civil divisions, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: 2020 census counts and 2024 estimates for each municipality, at summary level 061, That in New England the municipality is the minor civil division, so 061 rather than the place level is the right series and all 351 Massachusetts municipalities appear in it, Boston at 673,458 and Cambridge at 121,186; Belmont at 27,442 as the smallest here, Weymouth at 60,159, which would rank eleventh on this table and is outside the eleven-mile rule by three tenths of a mile
  109. Primary Mortgage Market Survey, 27 August 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 6.66%
  110. Average home insurance cost in Massachusetts, 2026 · MoneyGeek and Insurance.com, on carrier rate filings · retrieved
    Supports: A Massachusetts average between roughly $1,500 and $1,900 a year against a national average near $2,800, Coastal communities running roughly a third to two thirds above the state mean, Wind and hurricane deductibles on coastal policies of 1% to 5% of dwelling value rather than a flat amount
  111. Chapter 59, Section 5C: residential exemption · Massachusetts General Laws · retrieved
    Supports: A local option exemption of not more than 35% of the average assessed value of all Class One residential parcels, The exemption applies only to a parcel that is the principal residence of the taxpayer as of 1 January, The percentage is voted annually by the municipality
  112. Chapter 59, Section 21C: Proposition 2 1/2 · Massachusetts General Laws · retrieved
    Supports: A levy ceiling of 2.5% of the total full and fair cash value of taxable property, A levy limit that may grow 2.5% a year plus certified new growth, Overrides and debt exclusions as the two ways a municipality exceeds the limit, That the cap is on the levy and not on the tax rate
  113. Chapter 59, Section 38: valuation at full and fair cash value · Massachusetts General Laws · retrieved
    Supports: Assessment at full and fair cash value, re-set annually rather than frozen at a base year, No purchase reset and no growth cap on an assessment, so a seller's bill is a fair guide to a buyer's
  114. Chapter 40, Section 56: classification and the minimum residential factor · Massachusetts General Laws · retrieved
    Supports: The power to shift part of the levy onto commercial, industrial and personal property, A ceiling of 175% of the commercial share, subject to a minimum residential factor, That the published residential rate is therefore an output of a local vote rather than a measure of what a town spends
  115. Chapter 64D, Section 1: excise upon deeds, instruments and writings · Massachusetts General Laws · retrieved
    Supports: $2.28 for each $500 of consideration, which is $4.56 per $1,000 or 0.456%, The excise falls on the person making the deed, so it is the seller's by statute, The Barnstable County rate of $2.85 per $500, which no municipality in this layer pays
  116. Chapter 40P: the Massachusetts Rent Control Prohibition Act · Massachusetts General Laws · retrieved
    Supports: No city or town may enact or enforce any control on the rent of residential property, Enacted by the 1994 ballot initiative and effective 1 January 1995, The voiding of the then-existing ordinances in Boston, Cambridge and Brookline
  117. Chapter 188: the declaration of homestead · Massachusetts General Laws · retrieved
    Supports: Protection of up to $500,000 of equity in a principal residence from most creditors on a declared homestead, and $125,000 automatically, That this is a creditor protection and not a property tax exemption, which is the confusion the caveat in lib/housing/massachusetts.ts exists to prevent
  118. Real Estate Bar Association for Massachusetts v. National Real Estate Information Services, 459 Mass. 512 · Supreme Judicial Court of Massachusetts · retrieved
    Supports: That conducting a residential real estate closing in Massachusetts is the practice of law and must be done by an attorney
  119. Homebuyer programs and down payment assistance · MassHousing · retrieved
    Supports: Down payment assistance to $30,000 generally and to $50,000 or 10% of price in Boston and the Gateway Cities
  120. ONE Mortgage · Massachusetts Housing Partnership · retrieved
    Supports: A 3% down first mortgage with no private mortgage insurance for income-eligible first-time buyers
  121. 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
  122. 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
  123. 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
  124. 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
  125. 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
  126. 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
  127. 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
  128. 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
  129. 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
  130. 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
  131. 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
  132. 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
  133. 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
  134. 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
  135. 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
  136. 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
  137. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $285,103 for the city of Jacksonville (region 25290, Duval County) in August 2026, against $287,470 in August 2025, down 0.8%
  138. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $296,995 in the city of Jacksonville in August 2026, against $298,701 a year earlier, down 0.6%, A typical condominium value of $173,549 in the same month, against $186,154, down 6.8%, 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
  139. 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
  140. 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
  141. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,601 for the city of Jacksonville in August 2026, against $1,569 a year earlier, up 2.04%
  142. 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
  143. 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
  144. 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
  145. 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
  146. 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
  147. 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
  148. 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
  149. Renters insurance in Florida · NerdWallet · retrieved
    Supports: An average Jacksonville renters premium of $179 a year, $15 a month
  150. 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
  151. 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
  152. 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
  153. 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
  154. 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
  155. 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
  156. 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
  157. 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
  158. Bartram Park Community Development District · Bartram Park Community Development District · retrieved
    Supports: A community development district established in 2005 and located in Duval County
  159. 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
  160. #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
  161. 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
  162. 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