City comparison · 302 km apart

Jacksonville vs St. Petersburg: which should you move to?

Jacksonville or St. Petersburg? 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.

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 St. Petersburg skyline at sunrise
Florida · United States

St. Petersburg

Photograph: The St. Petersburg skyline at sunrise · Andrew Heneen · CC BY 4.0 · source
The short answer

Both cities are in Florida and price in US dollars, so neither takes income tax, a single filer on $100,000 pays the same $13,449 in federal tax in each, and the homestead rules are the same. Mortgage, property tax and insurance come to about $2,498 a month on Duval County's single-family median and about $2,742 on St. Petersburg's typical home, a $244 gap that would be about $312 with St. Petersburg's payment at Jacksonville's September rate of 7.03% rather than August's 6.67%. Households earn the same, $72,389 and $73,048, so that is about 41% of median income against 45%. On Zillow's index, the same measure in both, Zillow's index for the City of Jacksonville stood at $285,103 and St. Petersburg's typical home was $355,759, about 1.25 times it, and most of the carry gap is tax and insurance, about 1.76% of the price against 1.56% and $390 a month against $275. Crime is close on the FBI's 2025 counts for both, 502 violent offenses per 100,000 in St. Petersburg against 514 and 2,059 property offenses against 2,154, except for homicide: 9, about 3.4 per 100,000, against 80, about 7.9. St. Petersburg's January is 8.0 F warmer, and its metro has nearly twice the jobs. Choose Jacksonville for the cheaper house, insurance and rent, the Navy, the port, Mayo Clinic and an airport in the city. Choose St. Petersburg for far fewer homicides, a mild winter, more transit and a transit agency that is not cutting service, a lower uninsured rate and a compact waterfront downtown, if you will buy on elevation and price the flood policy.

Population
MeasureJacksonvilleSt. PetersburgAdvantage
City population1,017,689 (2025)264,033 (2025)Not directly comparable
Metro population1,785,500 (2025)3,418,895 (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.
7.2% (2020-2025)2.2% (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
MeasureJacksonvilleSt. PetersburgAdvantage
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.
$335,000 (August 2026)$355,759 (June 2026)Jacksonville
Detached house benchmark
Jacksonville and St. Petersburg publish a single house index rather than a composite, so the two rows repeat.
$335,000$355,759Jacksonville
Apartment or condominium benchmark$173,549Not publishedNot directly comparable
Two-bedroom rent$1,306/mo (median, September 2026)$2,058/mo (median, June 2026)Jacksonville
One-bedroom rent$1,110/mo$1,770/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.
21.6% of a year's income33.8% of a year's incomeJacksonville
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$1,788/mo at 7.03%$1,831/mo at 6.67%Jacksonville
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
4.6×4.9×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.
$5,216/yr (1.557%, 2025)$6,248/yr (1.756%, 2025)Jacksonville
Transfer tax on the benchmark home
Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving.
$2,345 (seller pays)$2,490 (seller pays)Even
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

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. St. Petersburg: About 1.76% of what you pay for the house, which is lower than the 19.9197 mills St. Petersburg is charged, and the difference is Florida's homestead exemption rather than any assessment lag. The state assesses at full market value and a purchase resets the assessment to the price. What there is instead is an exemption: $25,000 of taxable value comes off for every taxing authority and a second slice comes off for all of them except the Pinellas County school board, which levies 6.2930 of the 19.9197. That second slice was $25,000 through the 2024 tax roll and has been adjusted for inflation every 1 January since, under the 2024 amendment to Article VII section 6 of the state constitution, so it is now somewhat more than $25,000. The figures here use the base amount, because the Department of Revenue sends the adjusted figure to the county property appraisers rather than publishing it. The difference is worth a few dollars a year on a bill, and the county property appraiser can tell you the amount in force. A homesteaded buyer's first-year bill is therefore about $6,248 on the $355,759 typical home value here. That 19.9197 is the figure Pinellas County publishes for this taxing district rather than a total assembled here, and St. Petersburg's own council sets 6.4525 of it. The exemption is not automatic: you file for it with the county property appraiser by 1 March of the year after you buy. 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
MeasureJacksonvilleSt. PetersburgAdvantage
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 100,000514 (2025)502 (2025)St. Petersburg
Property crime per 100,0002,154 (2025)2,059 (2025)St. Petersburg
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.
80 (2025)9 (2025)Not directly comparable
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.

St. Petersburg

Down, and clearly so in 2025. On the FBI CDE's annual totals violent offenses were 1,622 in 2022, 1,519 in 2023, 1,642 in 2024 and 1,325 in 2025, about 618, 573, 618 and 502 per 100,000 on each year's Vintage 2025 population, so 2025 was 19% below 2024 after three flat years. Property offenses fell from 7,052 in 2023 to 6,528 in 2024 and 5,437 in 2025, down 17% in the last year, with motor vehicle theft more than halved from 917 in 2023 to 407. The department's own figures agree in direction and nearly in count: it reported overall crime down 16% in 2025, 175 robberies against a five-year average of 224, and 406 auto thefts against an average of 735 (Patch). The 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: 1,325 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the St. Petersburg Police Department (ORI FL0521400) in calendar 2025, divided by the 264,033 Vintage 2025 city population. On the CDE's own agency population of 269,098 the rate is 492. That is close to Boston's 507 and Jacksonville's 514, above Tampa's 375.5 (on the Tampa Police Department's own counts) and Miami's 359, and almost four times Port St. Lucie's 130. The department reports to the CDE as annual totals rather than month by month, and the CDE carries a full year for each of 2022 to 2025 and nothing for 2021.

Homicides: 9 murders and nonnegligent manslaughters in 2025 in the FBI CDE, about 3.4 per 100,000 on the city population, against Tampa's 17 (4.1), Orlando's 10 (3.0) and Port St. Lucie's 4 (1.5). The department's own count, announced in January 2026, is 10 homicides, which it called the fewest since 1967, when the city had six, and 44% fewer than the 18 of 2024 (Patch, reporting the St. Petersburg Police Department). The CDE series is 16 in 2022, 13 in 2023, 18 in 2024 and 9 in 2025.

03: Climate

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

Climate normals
MeasureJacksonvilleSt. PetersburgAdvantage
January mean12.3 °C16.8 °CNot directly comparable
July mean28.1 °C28.8 °CNot directly comparable
Precipitation a year1,356 mm1,185 mmNot directly comparable
Snowfall a year0 cm0 cmNot directly comparable
Sunshine a year2,880 hoursNot publishedNot directly comparable
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.

St. Petersburg

NOAA NCEI 1991-2020 normals for St. Petersburg Albert Whitted Airport (station USW00092806), the downtown waterfront airport about a mile east of the city's center, which is the station the brief names and has full temperature and precipitation normals: January mean 62.2F, July mean 83.8F, annual mean 74.7F, 46.65 in of precipitation. The airport's normals carry no snowfall, so the 0.0 in of snow stored here is the normal at the St. Petersburg cooperative station (USC00087886), at the same coordinates in NCEI's listing. August is the warmest month by two tenths of a degree at 84.0F, with a mean high of 89.8F; January's mean low is 55.3F. August (8.39 in) and July (7.49 in) are the wettest months, and June through September bring 29.33 in, 63% of the year; November (1.46 in) is the driest. The normals count 70.9 days a year at 90F or above, none at 100F and 0.1 nights at or below freezing. Converted here to 16.8 C, 28.8 C, 1,185 mm and 0 cm. The other stations bracket it: the cooperative station averages 62.1F in January and 83.9F in July with 52.48 in a year, and St. Pete-Clearwater International Airport (USW00012873), about 10 miles north and away from the bay, 61.6F and 83.1F with 53.62 in and 94.1 days at 90F. St. Petersburg's year is almost Tampa's (Tampa International's 62.0F and 83.8F); its January is level with Port St. Lucie's (62.3F), warmer than Orlando's (60.6F) and six degrees colder than Miami's (68.6F). Sunshine is not stored: Current Results' US city table, the source and 1961-1990 basis of the other US profiles' sunshine hours, lists Tampa (2,927 hours, at Tampa International) and no St. Petersburg station, and the 1991-2020 normals do not include sunshine; the city's nickname, the Sunshine City, rests on a Guinness record of 768 consecutive sunny days from 1967 to 1969 (Wikipedia), not on a measured annual total.

Hazards: Storm surge is the defining hazard, and 2024 showed how much of the city sits low. Hurricane Helene passed offshore on 26 September 2024 on its way to a Big Bend landfall, and the National Ocean Service tide gauge at St. Petersburg, the longest record in Tampa Bay, dating to 1947, measured 6.31 ft above mean higher high water, far above its previous record of 3.97 ft in Hurricane Elena in 1985 (National Hurricane Center). Twelve people drowned in the surge in Pinellas County, two of them in St. Petersburg and nine on the barrier islands from St. Pete Beach to Indian Rocks Beach, and Helene destroyed at least 419 homes in Pinellas and Hillsborough counties and did major damage to at least 18,512 structures (NHC). Albert Whitted recorded a gust of 82 mph that day. Two weeks later, on 9 October, Hurricane Milton came ashore at Siesta Key, about 35 miles south, as a Category 3; its track spared the bay a surge but not the rain or the wind. Albert Whitted measured 18.54 in (471 mm) on 9 October, the wettest day in its record since 2010, and the NHC gives the airport 18.88 in for the storm and a gust of 88 kt (101 mph); a volunteer gauge near the city recorded 20.40 in, the highest storm total anywhere in Milton's path. Milton tore most of the fabric roof off Tropicana Field (NHC) and toppled a construction crane onto a downtown office building that housed the Tampa Bay Times (Bay News 9). The Rays played the 2025 season at Steinbrenner Field in Tampa and returned on 6 April 2026 after repairs (Wikipedia). Wikipedia notes that neither storm made landfall in the city and that the last hurricane to strike it directly was in 1921. Heat is long rather than extreme: 70.9 days a year at 90F or above on the normals and none at 100F (37.8 C); Albert Whitted recorded 128 such days in 2024, the most in its record since 2010, and 94 in 2026 through 28 September. Frost is almost unknown on the waterfront: one night at 32F (0 C), on 18 January 2018, since 2010, and a lowest reading of 36F in 2026 on 1 February.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureJacksonvilleSt. PetersburgAdvantage
Median household income$72,389 USD (2024)$73,048 USD (2024)St. Petersburg
Unemployment rate4.9% (July 2026)4.8% (July 2026)St. Petersburg
Sales tax7.5%7%St. Petersburg
Top marginal income tax
Federal plus provincial or state. The American figure leaves out payroll taxes and the cost of health insurance, both of which a Canadian household covers through the tax it pays here.
37%37%Even
Income tax on $100,000, single filer
Jacksonville and St. Petersburg sit under one province's or state's income tax, so the two cells describe the same tax and any difference between them is one of method rather than of tax. Florida levies no income tax, so both cells are the federal bill on $100,000 and they agree to the dollar. The Advantage column is Even for that reason, and the essay below says the same thing.
$13,449 USD$13,449 USDEven
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.

St. Petersburg

BLS counted 1,559,600 nonfarm jobs in the Tampa-St. Petersburg-Clearwater MSA in August 2026 (not seasonally adjusted, preliminary), up 14,200 or 0.9% on the year. Private education and health services added the most (+9,700, or 3.8%, to 264,400), then professional and business services (+6,000, or 2.1%, to 288,800) and construction (+1,600, to 99,600), while information lost 1,700 (-5.6%, to 28,600) and federal employment 1,000 (to 30,900). The city's own employment picture is a headquarters town's: the ten principal private employers in its 2025 financial report, led by Raymond James (4,800), Johns Hopkins All Children's (2,800), Power Design and Jabil (1,700 each), employ 17,837, or 12.5% of the 147,705 people working in the city, against 20,300 for the 2016 list, which then included HSN, FIS and Bayfront Medical. Much of the commercial activity is in the Gateway area in the city's north, which it shares with Pinellas Park (Wikipedia). Unlike Port St. Lucie, most residents work in their own county: 14% of the city's workers (20,739 of 144,736) worked outside Pinellas County in 2024, 21.3% worked from home, and the mean commute for the rest was 25 minutes, with 5% spending an hour or more (ACS 2024 1-year, B08007, B08013, B08301 and B08303).

Main sectors: Finance and insurance: Raymond James, headquartered in the city and its largest private employer with 4,800 staff, Franklin Templeton (1,200) and the credit union service organization PSCU (800), in a metro with 142,400 financial activities jobs in August 2026, Health care: Johns Hopkins All Children's Hospital (2,800 staff), BayCare's St. Anthony's Hospital (1,437), HCA (1,350) and Orlando Health Bayfront Hospital, in a metro sector (private education and health services, 264,400 jobs) that added 9,700 jobs over the year, Manufacturing and engineering: Jabil, the electronics manufacturer headquartered in the city (1,700), Catalent Pharma Solutions (800) and Power Design, an electrical contractor (1,700), Utilities: Duke Energy Florida, headquartered in the city (1,250 staff), Tourism, arts and sports: the Dali Museum, the Pier, seven miles of public waterfront parks, the Rays at Tropicana Field and the IndyCar Grand Prix on downtown streets (leisure and hospitality, 167,300 metro jobs).

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). A St. Petersburg home paid 19.9197 mills for 2025 on the Pinellas County Tax Collector's published total, of which the city's own rate is 6.4525; a little above Tampa's 19.8428 in the same layer. On 17 September 2026 the City Council voted 6 to 2 to keep the city rate at 6.4525 mills for fiscal 2027, the rate it has levied since fiscal 2025, which is above the 6.3854-mill rolled-back rate and so needed a two-thirds vote; rising taxable values, about $39.3 billion, bring the city about $14.8 million more (St Pete Catalyst). Zillow's typical home value for the city was $355,759 in June 2026, down 3.9% on the year, and its typical rent $2,058; the bills, insurance and flood exposure that follow from them belong to the housing layer.

05: Getting around

Whether you need a car

Transit
MeasureJacksonvilleSt. PetersburgAdvantage
SystemJacksonville 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.Pinellas Suncoast Transit Authority (PSTA), the countywide agency formed in 1984 from the St. Petersburg Municipal Transit System and the Central Pinellas Transit Authority: more than 34 bus routes including two express routes to Tampa, the Central Avenue and Suncoast Beach trolleys, and the SunRunner, Tampa Bay's first bus rapid transit line, which opened on 21 October 2022 from downtown St. Petersburg along First Avenues North and South to St. Pete Beach every 15 minutes (Wikipedia). The Cross-Bay Ferry between downtown St. Petersburg and downtown Tampa ran seasonally for eight seasons until its operator's contract ended after 2025, and PSTA bought two vessels in June 2026 to restart it (Wikipedia). There is no passenger rail: CSX's freight branch ends at a small yard northwest of downtown, the line into downtown having been abandoned in 2008.Not directly comparable
Commute by public transit0.8% (2024)2.1% (2024)St. Petersburg
Walk or cycle to work2.0% (2024)2.9% (2024)St. Petersburg
AirportJacksonville 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.St. Pete-Clearwater International Airport (PIE), owned by Pinellas County about 9 miles north of downtown, handled a record 2,794,067 passengers in 2025, 13.6% more than 2024's 2,458,674, almost all of them on Allegiant Air, which uses it as an operating base (Wikipedia). Most of the city's air travel goes through Tampa International Airport (TPA), about 16 miles to the northeast across the Howard Frankland Bridge, which handled 24,811,007 passengers in 2025 (TPA, as in Tampa's profile). Albert Whitted Airport on the downtown waterfront serves general aviation.Not directly comparable
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).

St. Petersburg

PSTA carried 10,441,618 unlinked trips in 2025 on the National Transit Database's monthly ridership file (Federal Transit Administration), 8,888,290 of them on its buses and 769,551 on the SunRunner, with the rest on vanpools, demand-response service and a ferry. That is a little below the 11.94 million HART carried in Hillsborough (Tampa's profile, from APTA) for a county with less than two-thirds of Hillsborough's population, and well below PSTA's own peak of 14.6 million in 2014; ridership fell to 9.1 million in 2022 and has recovered to about 10.4 to 10.5 million in each of 2024 and 2025. The SunRunner carried 1,036,048 trips in 2023, its first full year, and 769,551 in 2025.

06: Daily life

Health care, schools and what each city is like

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.

St. Petersburg

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 (KFF). Florida's uninsured rate was 10.9% in 2024 (2,509,782 of 23,038,464), against 8.2% nationally, on the ACS 2024 1-year estimates; the City of St. Petersburg's was 7.3% (19,374 of 263,881), below Port St. Lucie's 9.9%, Pinellas County's 9.0% and the metro's 10.0%. The city is the county's hospital center. Orlando Health Bayfront Hospital, the city's oldest, on the site of a five-room hospital of 1910, is Pinellas County's only Level II trauma center and has a Level III regional perinatal intensive care center and the Bayflite helicopter program (Wikipedia). Johns Hopkins All Children's Hospital, founded in 1926 and part of Johns Hopkins Medicine since 2011, has 259 beds and a Level I pediatric trauma center (Wikipedia). BayCare's St. Anthony's Hospital and HCA's hospitals are also among the city's ten largest private employers (City of St. Petersburg). This file did not verify a wait time figure for primary or specialist care.

Education

Pinellas County Schools, the countywide district, is shrinking: it reported more than 3,000 fewer students in 2025-26 than a year earlier (Bay News 9), its schools were 68% full against 87% ten years before, and in February 2026 the board voted to close two schools, Cross Bayou Elementary in Pinellas Park and Disston Academy in Gulfport, at the end of the 2025-26 year and to merge others (FOX 13). In higher education the city has the University of South Florida St. Petersburg, a downtown campus of about 6,500 students; Eckerd College, a private liberal arts college founded in 1958; St. Petersburg College, founded in 1927, a state college with four of its eleven campuses and centers in the city; and the Poynter Institute, the journalism school that owns the Tampa Bay Times (Wikipedia). Stetson University's law school is next door in Gulfport.

Living there

St. Petersburg is the smaller and older half of Tampa Bay's urban core: a city of 264,033 on the southern tip of the Pinellas peninsula, with more water than land inside its limits, connected to Tampa by the Gandy and Howard Frankland bridges and to Bradenton by the Sunshine Skyway. It was a railroad town before it was a resort (the Orange Belt Railway arrived in 1888 and the town was incorporated in 1892) and a retirement town for most of the twentieth century; its median age is still 43.0, the second-oldest of the Florida cities here after Port St. Lucie, though Wikipedia notes a younger turn since the Great Recession. Downtown is the draw, with the Dali Museum, the rebuilt Pier, seven miles of public waterfront parks, more than 600 murals and the Rays at Tropicana Field, who returned in April 2026 after Hurricane Milton tore off the roof but will leave: Hillsborough County voted 5 to 2 on 28 August 2026 to put $796 million toward a $2.3 billion stadium in Tampa for 2029 (WUSF). Its economy is a set of headquarters (Raymond James, Jabil, Duke Energy Florida) and hospitals (Johns Hopkins All Children's, Bayfront). The numbers set it apart from its Florida neighbors. It grew only 2.2% from 2020 to 2025 and lost residents in the year of the 2024 storms, in a county that is now losing people. Its median household income, $73,048, is $11,066 below Tampa's; its violent crime rate, 502 per 100,000 in 2025, is higher than Tampa's but falling, and its nine homicides were the fewest the police department has counted since 1967. It has the highest transit share of the Florida cities here outside Miami, at 2.1%. And it learned in 2024 what living in Tampa Bay costs: a record surge from Helene, which drowned twelve people in the county, and 18 inches of rain from Milton two weeks later.

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 and were priced a month apart. 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 the $340,000 of a year earlier; the association publishes no City of Jacksonville figure, and the city is 96% of the county's people. St. Petersburg's is Zillow's typical home value for the city across all homes, $355,759 in June 2026, 3.9% below a year earlier, the city's row in the Tampa Bay layer. 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 St. Petersburg's typical home is about 1.25 times it. Against local pay the headlines are 4.6 times Jacksonville's 2024 median household income of $72,389 and 4.9 times St. Petersburg's $73,048. At 20% down, the $268,000 loan on Duval County's median at 7.03%, the rate for 24 September, costs $1,788 a month, and St. Petersburg's $284,607 loan at 6.67%, Freddie Mac's August rate, $1,831. A homesteaded buyer's first-year property tax is about $5,215 in Jacksonville, 1.56% of the price on 17.7412 mills, against $6,248 in St. Petersburg, 1.76% on 19.9197, and insurance is budgeted at $275 and $390 a month, neither including flood. The three lines come to about $2,498 and $2,742, roughly 41% and 45% of local median income; at 7.03% St. Petersburg's would be about $2,810, and on Zillow's value for Jacksonville the carry would be about $2,158. Rent shows the wider gap. Zillow's observed rent index, which counts rented houses, was $1,601 in Jacksonville in August and $2,058 in St. Petersburg in June, about 27% and 34% of median income, and Apartment List's median two-bedroom in Jacksonville was $1,306 in September.

This is one of the pairs where the definitions match, since both cities' figures are the FBI's Crime Data Explorer counts for 2025 divided by Census Vintage 2025 populations, and on them the two are close on every line but one. The Jacksonville Sheriff's Office, formed when the city and county police merged in 1968, submitted 5,231 violent offenses, 514 per 100,000 on 1,017,689 residents, and 21,920 property offenses, 2,154. The St. Petersburg Police Department submitted 1,325 violent offenses, 502 per 100,000 on 264,033, and 5,437 property offenses, 2,059. Homicide is the exception, and a wide one: 80 in Jacksonville, about 7.9 per 100,000, up from 63, against 9 in St. Petersburg, about 3.4, down from 18, and 10 on its department's own count, the fewest since 1967. The other lines fell in both in 2025. Jacksonville's violent offenses dropped 8%, to 19% below 2021, and its property offenses 17%, with motor vehicle theft down 41% in a year, though its sheriff's office cleared 55% of the year's murders against 73% the year before. St. Petersburg's violent offenses fell 19% after three flat years and its property offenses 17%, with motor vehicle theft down from 917 in 2023 to 407. Both sets of counts were read on 1 October 2026 and can still be revised.

St. Petersburg has the warmer winter, and the summers are within a degree and a half. January averages 12.3 C at Jacksonville International against 16.8 C at Albert Whitted Airport on St. Petersburg's downtown waterfront, 54.2F against 62.2F; July averages 28.1 C against 28.8 C, 82.5F against 83.8F. Jacksonville's normals count 14.3 nights a year at or below freezing and St. Petersburg's 0.1, and 80.1 days at 90F or above against 70.9, though St. Petersburg's waterfront station recorded 128 hot days in 2024. Rain is 1,356 mm a year in Jacksonville and 1,185 mm in St. Petersburg, most of it from June through September in both, and neither has snow in the normals; Jacksonville's older sunshine figure is 2,880 hours, and St. Petersburg has no measured one. Both are cities hurricanes have rarely struck head-on, and both have flooded anyway. Jacksonville has had one direct hurricane strike since 1871, Dora in 1964, and floods from its river: in September 2017 Irma passed about 75 miles to the west, and surge, high tides and 9.72 in (247 mm) of rain pushed the St. Johns downtown to a record 5.57 ft, with about 350 water rescues. St. Petersburg's last direct strike was in 1921, and its water is the bay. Helene passed offshore on 26 September 2024 and put 6.31 ft above mean higher high water on the city's tide gauge, the highest in a record that began in 1947, drowning twelve people in Pinellas County, two of them in the city, and the City recorded 5,189 of the 13,494 parcels it assessed afterward with major damage and 146 destroyed. Milton came ashore at Siesta Key two weeks later, about 35 miles south, and Albert Whitted recorded 18.54 in (471 mm) of rain on 9 October.

The two cities' households earn the same, and St. Petersburg sits in the larger job market. On the same unadjusted basis BLS put July 2026 unemployment at 4.9% for the Jacksonville metro and 4.8% for Tampa-St. Petersburg-Clearwater, against 4.6% for Florida, with the City of St. Petersburg itself at 4.2%. The Jacksonville metro had 803,800 nonfarm jobs in August, only 500 more than a year earlier, as financial activities lost 6.1%; the Tampa Bay metro had 1,559,600, nearly twice as many, 14,200 or 0.9% more, with private education and health services adding the most. Jacksonville runs on the river and the Navy: JAXPORT, Florida's No. 1 container port by volume, CSX and the Florida East Coast Railway, headquartered in the city, and Naval Air Station Jacksonville and Naval Station Mayport, with defense spending's total economic impact in Duval County put at $9.1 billion. St. Petersburg is a headquarters town of a different kind: Raymond James, its largest private employer with 4,800 staff, Jabil, Duke Energy Florida and Power Design, with Johns Hopkins All Children's and Bayfront among its hospitals. 14% of its workers worked outside Pinellas County in 2024, and 21.3% worked from home against 15.0% of Jacksonville's. Median household income was $72,389 in Jacksonville and $73,048 in St. Petersburg in 2024, within each other's margins of error, and $82,053 across the Jacksonville metro against $78,275 across Tampa Bay. Florida takes no income tax in either, so $100,000 pays the same $13,449 in federal tax for 2025. Sales tax is 7.5% in Duval against 7% in Pinellas. Property tax and insurance come to about $8,516 a year on Duval County's median and $10,928 on St. Petersburg's typical home.

Both are built for the car, and St. Petersburg is the less car-bound. In 2024, 0.8% of Jacksonville's workers took transit and 2.0% walked or cycled, against 2.1% and 2.9% in St. Petersburg; 70.9% and 65.6% drove alone. The Jacksonville Transportation Authority carried 7,342,300 trips in 2025 on buses, the four-line First Coast Flyer bus rapid transit network, the St. Johns 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 stops running. The Pinellas Suncoast Transit Authority carried 10,441,618 trips in 2025, 769,551 of them on the SunRunner, Tampa Bay's first bus rapid transit line, every 15 minutes from downtown St. Petersburg to St. Pete Beach, and it bought two vessels in June 2026 to restart the Cross-Bay Ferry to Tampa. The footprints could hardly differ more. Jacksonville covers 747 square miles of land after its 1968 consolidation with Duval County; St. Petersburg covers 61.8, with more water than land inside its limits and about 4,270 residents per square mile of land. Jacksonville International, about 12 miles north of downtown, handled 7,573,048 passengers in 2025. Most of St. Petersburg's flying goes through Tampa International, about 16 miles away across the Howard Frankland Bridge, which handled 24,811,007, and St. Pete-Clearwater International, about 9 miles north of downtown, handled a record 2,794,067, almost all of them on Allegiant.

Florida has not expanded Medicaid, so coverage in both runs through an employer or marketplace plan, Medicare or Medicaid, and an organizing committee relaunched a ballot initiative to expand it in February 2026. The City of Jacksonville's uninsured rate was 10.1% in 2024 and St. Petersburg's 7.3%, against 10.9% across Florida. Jacksonville has the larger institutions. UF Health Jacksonville is the University of Florida's academic hospital downtown, with 695 beds 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 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. St. Petersburg has Orlando Health Bayfront Hospital, Pinellas County's only Level II trauma center, and Johns Hopkins All Children's Hospital, with 259 beds and a Level I pediatric trauma center. Neither profile verified a wait time. Both districts are shrinking. Duval County Public Schools has fallen below 100,000 students for the first time in modern history, 16% fewer than in 2015, and is consolidating four more schools in 2026-27. Pinellas County Schools reported more than 3,000 fewer students in 2025-26, its schools were 68% full against 87% ten years before, and in February 2026 its board voted to close two schools. The University of North Florida enrolled 16,575 in 2024 and Florida State College at Jacksonville 23,556 in 2024-25; St. Petersburg has the University of South Florida's downtown campus of about 6,500, Eckerd College and St. Petersburg College.

What people underestimate is how much more a St. Petersburg bill carries, and what neither figure includes. Both cities run on the same Florida rules: $25,000 of taxable value comes off every levy for a homestead and a second slice off all but the school district's, Save Our Homes caps a homestead's assessment at 3% a year and resets it on a sale, and the exemption has to be filed with the property appraiser by 1 March of the year after you buy. Without it the Duval median owes about $5,943 and St. Petersburg's typical home about $7,087. Jacksonville's bill is short because consolidation left one general levy, 17.7412 mills in all; a City of St. Petersburg address pays 19.9197 across the Pinellas stack, the county, the school board, the City's own 6.4525, emergency medical services, the transit district, the Juvenile Welfare Board and the water management district among them. Jacksonville's bill adds about $414 a year in City solid waste and stormwater charges that no exemption reduces, and its newer edges carry community development districts: Normandy CDD charges a developed 50-foot lot $4,225.50 for fiscal 2027. Both sellers pay the 70-cent documentary stamp, about $2,345 and $2,490, and both buyers 0.55% of the loan, about $1,474 and $1,565. Insurance is budgeted at $275 and $390 a month, St. Petersburg's the Tampa Bay layer's band for a coastal address, inside the $3,900 to $5,500 a year its source gives for a single-family house with wind cover. Neither includes flood, and from 1 January 2027 every Citizens Property Insurance homeowners policy with wind cover must carry it. In St. Petersburg the City's Helene assessments found water in thousands of homes along the bay and almost none inland, and FEMA's substantial improvement rule treats any repair costing half the structure's market value or more as new construction, which can force a full elevation. Amendment 3, the homestead property tax cut on Florida's 3 November 2026 ballot, would reach both bills; Jacksonville held its City rate against it, and St. Petersburg's council kept its 6.4525 for fiscal 2027 on a 6 to 2 vote. And the two are growing at different speeds: Jacksonville added 68,082 people from 2020 to 2025, 7.2%, while St. Petersburg grew 2.2% and lost 1,822 residents in 2024-25, the year of the storms.

Jacksonville

Better here

  • Mortgage, property tax and insurance come to about $2,498 a month on Duval County's August 2026 median, against $2,742 in St. Petersburg, or $2,810 at the same 7.03% rate.
  • Property tax is about $5,215 a year with a homestead, 1.56% on 17.7412 mills, against $6,248 and 1.76% on 19.9197.
  • Insurance is budgeted at $275 a month against $390, and Zillow's observed rent index was $1,601 in August against $2,058 in St. Petersburg.
  • Mayo Clinic's Florida campus, UF Health Jacksonville's Level I trauma center and Wolfson Children's are in the city, where St. Petersburg's adult trauma center is a Level II.
  • Jacksonville International handled 7,573,048 passengers in 2025 about 12 miles from downtown.
  • The city added 68,082 people from 2020 to 2025, 7.2%, against St. Petersburg's 2.2%.

Worse here

  • There were 80 homicides in 2025, about 7.9 per 100,000 and up from 63, against 9 and about 3.4 in St. Petersburg.
  • Violent crime was 514 per 100,000 on the FBI's 2025 counts and property crime 2,154, against 502 and 2,059 in St. Petersburg.
  • January averages 12.3 C with 14.3 freezing nights a year, against 16.8 C and 0.1 in St. Petersburg.
  • JTA plans up to 194 layoffs and a Saturday schedule on weekdays from 2 November 2026, when the Skyway stops running, and only 0.8% of workers took transit in 2024.
  • Duval County Public Schools has fallen below 100,000 students, 16% fewer than in 2015, and is consolidating four more schools in 2026-27.
  • Sales tax is 7.5% against 7% in Pinellas, and the city's uninsured rate was 10.1% in 2024 against 7.3%.

Choose Jacksonville if

  • you want to own for about $2,498 a month rather than $2,742, or $2,810 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 want a large city's hospitals, university and airport inside its own limits
  • you would take a 12.3 C January for a cheaper house and insurance budgeted $115 a month lower

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

St. Petersburg

Better here

  • There were 9 homicides in 2025, about 3.4 per 100,000, against 80 and about 7.9 in Jacksonville on the same FBI counts.
  • January averages 16.8 C with 0.1 freezing nights a year, against 12.3 C and 14.3 in Jacksonville.
  • 2.1% of workers commuted by transit in 2024 against 0.8%, and PSTA carried 10,441,618 trips in 2025 against JTA's 7,342,300.
  • The city's uninsured rate was 7.3% in 2024 against 10.1% in Jacksonville, and Johns Hopkins All Children's has a Level I pediatric trauma center.
  • City median household income was $73,048 in 2024, level with Jacksonville's $72,389, in a metro with nearly twice the jobs.
  • Sales tax is 7% against 7.5% in Duval.

Worse here

  • Mortgage, property tax and insurance come to about $2,742 a month on the June 2026 typical home, about 45% of median household income, against $2,498 and 41% in Jacksonville.
  • Property tax is about 1.76% of the price on 19.9197 mills against 1.56%, and insurance is budgeted at $390 a month against $275, before flood.
  • Zillow's observed rent index was $2,058 in June 2026 against $1,601 in Jacksonville, about 34% and 27% of median income.
  • Violent crime was 502 per 100,000 on the FBI's 2025 counts, close to Jacksonville's 514, and property crime 2,059 against 2,154.
  • Helene put a record 6.31 ft of surge on the city's tide gauge in 2024, and the City recorded 5,189 of the 13,494 parcels it assessed with major damage.
  • The main airport, Tampa International, is about 16 miles away across the bay, and the population fell by 1,822 in 2024-25.

Choose St. Petersburg if

  • you want far fewer homicides at the same household income
  • you want a 16.8 C January with almost no frost
  • you want a compact waterfront downtown, a bus rapid transit line and a transit agency that is not cutting service
  • you will read the elevation certificate and price a flood policy before you buy

The St. Petersburg guide · Neighborhoods · St. Petersburg rent vs buy · St. Petersburg mortgage calculator

08: Questions people ask

Jacksonville or St. Petersburg, in short

Is Jacksonville or St. Petersburg cheaper to live in?

Jacksonville, on the house, the tax, the insurance and the rent. Both cities are in Florida and price in US dollars, so the figures net directly, though they are different measures priced a month apart: Duval County's single-family median was $335,000 in August and St. Petersburg's typical home on Zillow's index $355,759 in June, and on the same Zillow index the City of Jacksonville stood at $285,103. At 20% down the mortgage is $1,788 at September's 7.03% against $1,831 at August's 6.67%. Property tax is about $5,215 a year against $6,248 and insurance $275 a month against $390, so the three lines come to about $2,498 in Jacksonville and $2,742 in St. Petersburg, or $2,810 at the same 7.03%, roughly 41% and 45% of each city's median household income, $72,389 and $73,048. Zillow's observed rent index was $1,601 against $2,058. Neither city levies income tax, and sales tax is 7.5% in Duval against 7% in Pinellas.

Is Jacksonville or St. Petersburg safer?

St. Petersburg on homicide, by a wide margin, and the two are close on everything else, on figures built the same way. Both are the FBI's counts for 2025 divided by Census estimates: 502 violent offenses per 100,000 in St. Petersburg against 514 in Jacksonville, and 2,059 property offenses against 2,154. Homicides were 9 in St. Petersburg, about 3.4 per 100,000, and 80 in Jacksonville, about 7.9, up from 63. The other lines fell in both in 2025: violent offenses by 19% in St. Petersburg and 8% in Jacksonville, and property offenses by 17% in each. The counts were read on 1 October 2026 and can still be revised.

Which has the better job market, Jacksonville or St. Petersburg?

St. Petersburg's metro is the larger, unemployment is level, and the work differs. On the same unadjusted basis BLS put July 2026 unemployment at 4.9% for the Jacksonville metro and 4.8% for Tampa-St. Petersburg-Clearwater. Jacksonville had 803,800 nonfarm jobs in August, 500 more than a year earlier, and the Tampa Bay metro 1,559,600, 14,200 more. Jacksonville's anchors are JAXPORT, CSX, the Florida East Coast Railway and the Navy's two bases, with health care growing and finance shrinking. St. Petersburg's are headquarters, Raymond James, Jabil and Duke Energy Florida, and hospitals, with Tampa's employers across the bay. Median household income was $72,389 in Jacksonville and $73,048 in St. Petersburg in 2024, within each other's margins of error.

With no income tax in either city, which has the lower tax bill?

Jacksonville, on property, under the same Florida rules; St. Petersburg on sales tax. A single filer on $100,000 pays the same $13,449 in federal tax for 2025 in both and nothing to the state. Jacksonville's consolidated government leaves a City address with 17.7412 mills; a City of St. Petersburg address pays 19.9197 across the Pinellas stack. On each city's headline price a homesteaded buyer pays about $5,215, 1.56%, against $6,248, 1.76%, and Jacksonville's City adds about $414 a year in solid waste and stormwater charges that no exemption reduces. Sales tax is 7.5% in Duval against 7% in Pinellas. Both bills could move after 3 November 2026, when Florida votes on Amendment 3, a homestead property tax cut: Jacksonville held its City rate against it, and St. Petersburg's council kept its own rate for fiscal 2027.

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. 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
  2. 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
  3. 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
  4. 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
  5. Jacksonville, Florida (consolidation, land area, Jacksonville Sheriff's Office, hurricanes, economy, colleges) · Wikipedia · retrieved
    Supports: Character, Climate hazards, Violent crime rate, Main sectors, Education
  6. 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
  7. JSO reporting more murders over the last year, with fewer murder cases cleared · Action News Jax · retrieved
    Supports: Homicides, Crime trend
  8. Jacksonville's 2025 homicide data reveals spikes in certain areas but only 1 gang-related death · News4JAX · retrieved
    Supports: Homicides
  9. Jacksonville violence takes historic tumble in 2024: City reports lowest homicide numbers in 2 decades · News4JAX · retrieved
    Supports: Homicides
  10. 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
  11. 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
  12. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours, Climate normals
  13. 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
  14. Effects of Hurricane Irma in Florida (Duval County) · Wikipedia · retrieved
    Supports: Climate hazards
  15. Irma Brings Record Flooding to Jacksonville, Cuts Power to More Than 7 Million · Weather Underground · retrieved
    Supports: Climate hazards
  16. Long Nor'easter, tidal flooding and Tropical Storm Jerry. What to expect in Jacksonville · Florida Times-Union (via Yahoo News) · retrieved
    Supports: Climate hazards
  17. Nor'easter impacts in Jacksonville and coastal flood advisory extends through weekend · Florida Times-Union (via Yahoo News) · retrieved
    Supports: Climate hazards
  18. 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
  19. 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
  20. 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
  21. 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
  22. JAXPORT Highlights Infrastructure Progress and Long-Term Strategy at 2026 State of the Port · JAXPORT · retrieved
    Supports: Main sectors, Labour market, Character
  23. 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
  24. 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
  25. Naval Air Station Jacksonville · Wikipedia · retrieved
    Supports: Main sectors
  26. Naval Station Mayport · Wikipedia · retrieved
    Supports: Main sectors
  27. Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS) · Florida Department of Revenue · retrieved
    Supports: Sales tax
  28. 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
  29. Duval County, Florida, School Sales Tax Referendum (November 2020) · Ballotpedia · retrieved
    Supports: Sales tax
  30. Duval County voters approve half-cent sales tax for schools · News4JAX · retrieved
    Supports: Sales tax
  31. Florida Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes
  32. 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  33. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  34. Property Tax Exemptions for Taxpayers (homestead exemption and Save Our Homes) · Florida Department of Revenue · retrieved
    Supports: Tax notes
  35. Jacksonville City Council approves $2B budget, restores affordable housing trust fund · Jacksonville Today · retrieved
    Supports: Tax notes, Health care, Education, Character
  36. Template:American transit ridership (APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved
    Supports: Transit ridership
  37. Skyway (Jacksonville) (length, stations, fleet, fare, Ultimate Urban Circulator) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  38. First Coast Flyer (lines and opening dates) · Wikipedia · retrieved
    Supports: Transit system
  39. JTA begins first AV-powered service in U.S. · Mass Transit · retrieved
    Supports: Transit system, Transit ridership
  40. Friday is deadline to give your views on Skyway options · Jacksonville Today · retrieved
    Supports: Transit ridership
  41. JTA studies Skyway options and postpones community meetings · Jacksonville Today · retrieved
    Supports: Transit ridership
  42. JTA raises fares and cuts services to make up for budget deficit · Jacksonville Today · retrieved
    Supports: Transit ridership
  43. Facing shortfall, JTA will cut jobs, reduce bus service and halt Skyway and NAVI · Jacksonville Today · retrieved
    Supports: Transit system, Transit ridership, Character
  44. 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
  45. Jacksonville International Airport (location, ownership) · Wikipedia · retrieved
    Supports: Airport passengers, Climate normals
  46. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  47. UF Health Jacksonville · Wikipedia · retrieved
    Supports: Health care
  48. Mayo Clinic Florida · Wikipedia · retrieved
    Supports: Health care
  49. Wolfson Children's Hospital · Wikipedia · retrieved
    Supports: Health care
  50. Duval Schools enrollment down 16% since 2015, drops below 100K students · Action News Jax (via Yahoo News) · retrieved
    Supports: Education, Character
  51. Duval Schools cutting 115 teacher positions due to falling enrollment · Action News Jax · retrieved
    Supports: Education
  52. Board approves delays in proposed school consolidations · Duval County Public Schools · retrieved
    Supports: Education
  53. State University System of Florida 2025-2026 Matrix · Florida Board of Governors · retrieved
    Supports: Education
  54. University of North Florida (founding, R2 classification) · Wikipedia · retrieved
    Supports: Education
  55. Fast Facts, Fall 2024 · Jacksonville University · retrieved
    Supports: Education
  56. Jacksonville University (Naval ROTC) · Wikipedia · retrieved
    Supports: Education
  57. Florida State College at Jacksonville Student Population and Demographics (IPEDS 2024-2025) · UnivStats · retrieved
    Supports: Education
  58. Duval County Public Schools (boundaries) · Wikipedia · retrieved
    Supports: Education
  59. Florida State College at Jacksonville (campuses) · Wikipedia · retrieved
    Supports: Education
  60. St. Petersburg, Florida (history, geography, economy, arts, education, transportation) · Wikipedia · retrieved
    Supports: Climate normals, Climate hazards, Main sectors, Labour market, Transit system, Education, Character
  61. Crime Data Explorer summarized agency data, St. Petersburg Police Department (FL0521400): 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
  62. St. Pete Crime Rates Declined In 2025: Police · Patch · retrieved
    Supports: Homicides, Crime trend, Character, 10 homicides in 2025 against 18 in 2024, the fewest since 1967; overall crime down 16%; 175 robberies and 406 auto thefts against five-year averages of 224 and 735
  63. US Climate Normals 1991-2020, station USW00092806 St. Petersburg Albert Whitted Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Climate normals, Climate hazards, January 62.2F, July 83.8F and August 84.0F and the monthly highs, lows and rain from the monthly series, which carries no snowfall normal for this station, and annual mean 74.7F, precipitation 46.65 in, 70.9 days at 90F, 0.0 at 100F and 0.1 nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  64. US Climate Normals 1991-2020, station USC00087886 St. Petersburg (cooperative station) (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Annual snowfall, Climate normals, 0.0 in of snow (monthly and annual), January 62.1F, July 83.9F, 52.48 in of precipitation
  65. US Climate Normals 1991-2020, station USW00012873 St. Petersburg-Clearwater International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals, January 61.6F, July 83.1F, 53.62 in of precipitation, 94.1 days at 90F
  66. NCEI data search, normals-monthly-1991-2020 stations within 28.0N to 27.6N and 82.85W to 82.45W · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals, the stations with 1991-2020 normals in and around the city, including USW00092806 and USC00087886 at 27.7628N, 82.6261W
  67. Global Historical Climatology Network daily summaries, St. Petersburg Albert Whitted Airport (USW00092806), 2010-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 18.54 in on 9 October 2024 and a 101.1 mph gust; an 82.1 mph gust on 26 September 2024; 128 days at or above 90F in 2024 and 94 in 2026 through 28 September; 32F on 18 January 2018, the only reading at or below freezing since 2010; 36F on 1 February 2026
  68. Tropical Cyclone Report: Hurricane Helene (AL092024) · NOAA National Hurricane Center · retrieved
    Supports: Climate hazards, Character, 6.31 ft above MHHW at the St. Petersburg tide gauge (record since 1947; previous record 3.97 ft in Elena, 1985); 12 drowned in Pinellas County, 2 in St. Petersburg; at least 419 homes destroyed and 18,512 structures with major damage in Pinellas and Hillsborough
  69. Tropical Cyclone Report: Hurricane Milton (AL142024) · NOAA National Hurricane Center · retrieved
    Supports: Climate hazards, Character, Landfall at Siesta Key as a Category 3; Albert Whitted storm total 18.88 in and gust 88 kt; maximum storm total 20.40 in at a CoCoRaHS site near St. Petersburg; Tropicana Field's fabric roof ripped off
  70. Tropicana Field roof damaged by Hurricane Milton, downtown St. Pete crane snapped · Bay News 9 · retrieved
    Supports: Climate hazards
  71. Tropicana Field (Milton damage, 2025 season at Steinbrenner Field, return on 6 April 2026) · Wikipedia · retrieved
    Supports: Climate hazards, Character
  72. A new Rays stadium in Tampa gets clinching Hillsborough County approval · WUSF · retrieved
    Supports: Character
  73. ACS 2024 1-year tables B19013, B25003 and B08301 for St. Petersburg, Tampa and Port St. Lucie cities, Pinellas County, the Tampa-St. Petersburg-Clearwater MSA, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  74. ACS 2024 1-year tables B08007 (place of work), B08013 (aggregate travel time) and B08303 (travel time to work) for St. Petersburg city and Pinellas County · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Labour market
  75. ACS 2024 1-year table B01002 (median age) for St. Petersburg, Tampa, Port St. Lucie, Jacksonville, Miami and Orlando cities, the Tampa-St. Petersburg-Clearwater MSA and the US · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Character
  76. ACS 2024 1-year table B27001 (health insurance coverage) for St. Petersburg city, Pinellas County, the Tampa-St. Petersburg-Clearwater MSA, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care
  77. Local Area Unemployment Statistics, Tampa-St. Petersburg-Clearwater, FL MSA (LAUMT124530000000003), St. Petersburg city (LAUCT126300000000003) and Pinellas County (LAUCN121030000000003), not seasonally adjusted · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate
  78. Current Employment Statistics, Tampa-St. Petersburg-Clearwater, FL MSA: total nonfarm (SMU12453000000000001), construction (SMU12453002000000001), supersectors (SMU1245300xx00000001), retail trade and federal government (SMU12453009091000001) · US Bureau of Labor Statistics · retrieved
    Supports: Main sectors, Labour market
  79. FY2025 Annual Comprehensive Financial Report, Statistical Section: Principal Employers · City of St. Petersburg (filed with the Florida Auditor General) · retrieved
    Supports: Main sectors, Labour market, Health care, Character, Raymond James & Associates 4,800, All Children's Health 2,800, Power Design 1,700, Jabil Circuit 1,700, St. Anthony's Hospital 1,437, HCA Hospital 1,350, Duke Energy 1,250, Franklin Templeton 1,200, Catalent 800, PSCU 800; 17,837 or 12.45% of 147,705; the 2016 list of 20,300
  80. Penny for Pinellas: frequently asked questions · Penny for Pinellas (Pinellas County) · retrieved
    Supports: Sales tax, first approved in 1989 and in effect from 1990; renewed on November 7, 2017 for 2020-2029 with 83% support; tourists and seasonal visitors estimated to pay a third
  81. Millage rates levied for 2025 taxes · Pinellas County Tax Collector · retrieved
    Supports: Tax notes, St Petersburg real estate total 19.9197 mills, of which the city 6.4525 (as carried in lib/metro-tampa/market.ts)
  82. St. Pete keeps property tax rate unchanged · St Pete Catalyst · retrieved
    Supports: Tax notes, 6.4525 mills for fiscal 2027 adopted 6-2 on 17 September 2026, above the 6.3854 rolled-back rate
  83. St. Pete holds property tax rate steady · St Pete Catalyst · retrieved
    Supports: Tax notes, taxable values of about $39.3 billion; ad valorem revenue up about $14.8 million; 6.4525 mills since fiscal 2025
  84. Zillow Home Value Index (ZHVI) and Observed Rent Index (ZORI), city files, June 2026 · Zillow Research · retrieved
    Supports: Tax notes, St. Petersburg $355,759, down 3.9% year over year, and rent $2,058, as carried in lib/metro-tampa/market.ts
  85. Monthly Module Adjusted Data Release, complete monthly ridership with adjustments and estimates (Pinellas Suncoast Transit Authority, NTD 40027) · Federal Transit Administration, National Transit Database (via data.transportation.gov) · retrieved
    Supports: Transit ridership, Transit system
  86. Pinellas Suncoast Transit Authority (history, routes, SunRunner, Cross-Bay Ferry) · Wikipedia · retrieved
    Supports: Transit system
  87. St. Pete-Clearwater International Airport (location, owner, airlines, annual passenger traffic 2024 and 2025) · Wikipedia · retrieved
    Supports: Airport passengers
  88. Orlando Health Bayfront Hospital · Wikipedia · retrieved
    Supports: Health care, Main sectors
  89. Johns Hopkins All Children's Hospital · Wikipedia · retrieved
    Supports: Health care, Main sectors
  90. Pinellas County School Board considers closing schools due to low enrollment · Bay News 9 · retrieved
    Supports: Education
  91. Pinellas County Schools move forward with closures, consolidations as enrollment declines district wide · FOX 13 · retrieved
    Supports: Education
  92. 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
  93. 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
  94. 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
  95. 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
  96. 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
  97. 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
  98. 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
  99. 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
  100. 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
  101. 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
  102. 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
  103. 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
  104. 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
  105. 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
  106. 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
  107. 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
  108. 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%
  109. 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
  110. 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
  111. 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
  112. 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%
  113. 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
  114. 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
  115. 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
  116. Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
  117. 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
  118. 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
  119. 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
  120. 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
  121. Renters insurance in Florida · NerdWallet · retrieved
    Supports: An average Jacksonville renters premium of $179 a year, $15 a month
  122. 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
  123. 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
  124. 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
  125. 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
  126. 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
  127. 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
  128. 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
  129. 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
  130. Bartram Park Community Development District · Bartram Park Community Development District · retrieved
    Supports: A community development district established in 2005 and located in Duval County
  131. 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
  132. #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
  133. 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
  134. 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
  135. Final 2025 millage rates by taxing district · Hillsborough County Property Appraiser · retrieved
    Supports: Published totals of 19.8428 for Tampa, 19.5319 for Temple Terrace, 18.2926 for Plant City and 18.2515 for the unincorporated county, Every component behind them, including the 0.5583 library services levy Temple Terrace and Plant City are outside and the 0.5000 transit authority levy Plant City is outside, A county General Purpose MSTU of 4.6163 paid in the unincorporated area in place of a municipal rate
  136. Table 1: Comparison of Taxes Levied, county and municipal governments, fiscal years 2024-25 and 2025-26 · Florida Department of Revenue, Property Tax Oversight · retrieved
    Supports: Independent confirmation of each municipality's own adopted 2025-26 levy in both counties
  137. Annual estimates of the resident population for incorporated places, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: 2020 census counts and 2024 estimates for each municipality, Tampa at 414,547 and St. Petersburg at 267,102; Indian Shores at 1,190
  138. Hurricane Helene storm surge and Pinellas County flooding, September 2024 · Latent Insurance, on National Weather Service and Pinellas County data · retrieved
    Supports: The largest storm surge on record for St. Petersburg, over six feet in the city and more than seven on the barrier islands, Thousands of Pinellas homes flooded, many of which had never flooded before, St. Petersburg single-family homeowners insurance of roughly $3,900 to $5,500 a year with wind coverage, and higher on the barrier islands
  139. Home insurance in Tampa, Florida: 2026 rates · InsuranceQuotes · retrieved
    Supports: Tampa homeowners insurance averaging about $2,400 a year in 2026, A Tampa Bay range of roughly $3,285 to $5,100 across Hillsborough, Pinellas and Pasco
  140. Governmental leasehold intangible personal property tax and the non-recurring intangible tax on mortgages · Florida Department of Revenue · retrieved
    Supports: A non-recurring intangible tax of 2 mills: 0.2%, on the obligation secured by a mortgage on Florida real property
  141. Chapter 2023-17, Laws of Florida: preemption of rent control · The Florida Senate · retrieved
    Supports: The repeal of the referendum exception that had allowed a local rent control ordinance in a declared housing emergency
  142. Helene_Damage_Assessment_Data, one point per parcel assessed after Hurricane Helene · City of St. Petersburg, ArcGIS Online · retrieved
    Supports: 13,494 parcels assessed after Hurricane Helene, 5,189 of them recorded as major damage and 146 as destroyed, A record per parcel rather than per home, with no description published for the layer
  143. Substantial improvement · Federal Emergency Management Agency · retrieved
    Supports: Substantial improvement is any reconstruction, rehabilitation, addition or other improvement whose cost equals or exceeds 50 percent of the market value of the structure before the start of construction, The category also covers structures that have sustained substantial damage, whatever repair work is actually carried out