City comparison · 202 km apart

Orlando vs Jacksonville: which should you move to?

Orlando or Jacksonville? Housing, rent, crime, climate, income, taxes and transit, side by side, from each city's own published figures. Written for someone deciding where to live, not for a ranking.

Downtown from Lake Eola
Florida · United States

Orlando

Photograph: Downtown from Lake Eola · JER3L1337 · CC BY 4.0 · source
The Jacksonville skyline across the St. Johns
Florida · United States

Jacksonville

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

Both cities 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 $2,745 a month on Orlando's typical home and about $2,498 on Duval County's single-family median, a $247 gap that would be about $318 with Orlando's payment at Jacksonville's September rate of 7.03% rather than August's 6.67%. Against local pay they are close, about 42% of the City of Orlando's median household income and 41% of Jacksonville's. On the same Zillow index Orlando's typical home was $375,175 and Zillow's index for the City of Jacksonville stood at $285,103. Homicide is the one crime figure that compares, and Orlando's 10 in 2025, about 3.0 per 100,000 and its fewest since 1971, stand against Jacksonville's 80, about 7.9. July averages 28.1 C in both, and Orlando's January is 6.4 F warmer. The shapes differ: Jacksonville has three times Orlando's population in a metro about three-fifths the size, and it sits on the coast and the St. Johns River where Orlando sits 42 mi inland. Choose Orlando for the warmer January, an inland address where surge is not the risk, a job market nearly twice the size, SunRail and Brightline, and the airport. Choose Jacksonville for the cheaper house and rent, work with the Navy, at the port or on the railroads rather than in tourism, and Mayo Clinic and UF Health in the city.

Population
MeasureOrlandoJacksonvilleAdvantage
City population333,888 (2025)1,017,689 (2025)Not directly comparable
Metro population2,957,672 (2025)1,785,500 (2025)Not directly comparable
Five-year growth
Growth is pressure on rents and roads as much as it is opportunity, so it is reported without a winner.
8.3% (2020-2025)7.2% (2020-2025)Not directly comparable
01: Housing

What a home costs in each

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

Housing costs
MeasureOrlandoJacksonvilleAdvantage
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.
$375,175 (June 2026)$335,000 (August 2026)Jacksonville
Detached house benchmark
Orlando and Jacksonville publish a single house index rather than a composite, so the two rows repeat.
$375,175$335,000Jacksonville
Apartment or condominium benchmarkNot published$173,549Not directly comparable
Two-bedroom rent$1,904/mo (median, June 2026)$1,306/mo (median, September 2026)Jacksonville
One-bedroom rent$1,637/mo$1,110/moJacksonville
Two-bedroom rent against median income
A year of two-bedroom rent as a share of the median household income below. A household paying the median rent out of the median income is a fiction, but it is the same fiction in both columns and it crosses currencies.
29.4% of a year's income21.6% of a year's incomeJacksonville
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$1,931/mo at 6.67%$1,788/mo at 7.03%Jacksonville
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
4.8×4.6×Jacksonville
Property tax on the benchmark home
The effective rate on market value, which is what the two rates have in common and what the Advantage column is decided on; the bills are in each city's own dollars.
$6,043/yr (1.611%, 2025)$5,216/yr (1.557%, 2025)Jacksonville
Transfer tax on the benchmark home
Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving.
$2,626 (seller pays)$2,345 (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

Orlando: About 1.61% of what you pay for the house, which is lower than the 18.0878 mills Orlando is taxed at, and the difference is the homestead exemption rather than any assessment lag. Florida assesses at full market value and a purchase resets the assessment to the price, so there is no gap to correct for. 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 Orange County school district, which levies 6.4490 of the 18.0878. 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. So a homesteaded buyer's first-year bill is the school millage on the price less $25,000 plus everything else on the price less $50,000, about $6,043 a year on the $375,175 typical home value here. The exemption is not automatic: you file for it with the county property appraiser by 1 March of the year after you buy, and until you do the rate is the full 1.81%. 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. Jacksonville: About 1.56% of the price for a homesteaded owner, worked out on the $335,000 Duval County single-family median, which is lower than the 17.7412 mills a house in the City of Jacksonville is charged because of Florida's homestead exemption rather than any assessment lag. Consolidation makes the stack short: the City of Jacksonville levies 11.1919 for county and city government together, Duval County Public Schools 6.3430 (3.0950 set by state law, 2.2480 by the school board and 1.0000 approved by voters in 2022), the St. Johns River Water Management District 0.1793 and the Florida Inland Navigation District 0.0270, which is every levy the property appraiser lists for the general services district for 2025. The school lines are charged on the price less $25,000, $310,000, and the rest on the price less a second slice as well, $285,000 on the base amounts, so a homesteaded buyer's first bill is about $5,215. Without a homestead, as a landlord or a buyer who never files, the same house owes $5,943. That second slice is indexed to inflation: the Department of Revenue published $25,722 for 2025 and the Duval property appraiser's estimator uses $26,411 for 2026, which brings the same bill to $5,199; this page uses the $25,000 base, like every Florida page on this site, and overstates the bill by $16 for it. The total was 17.8650 for 2024 and fell because the City cut its own rate from 11.3169. The school board's voted mill runs to 30 June 2027 and its renewal is on the 3 November 2026 ballot. The exemption is not automatic: you file with the property appraiser by 1 March of the year after you buy. The City's solid waste and stormwater fees come on the same bill, about $414 a year for a house in 2026, and no exemption reduces them. The seller's tax bill is not a guide to yours. Save Our Homes caps a homesteaded property's assessed value at 3% growth a year, and that cap resets to full market value the January after the sale, so a long-tenured owner can be taxed on a fraction of what you will be taxed on for the same house. Ask the property appraiser what the assessment would be at your purchase price, not what the current bill is.

02: Crime and safety

How safe each city is, by the numbers it publishes

Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.

Crime
MeasureOrlandoJacksonvilleAdvantage
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 100,000836 (2022)514 (2025)Jacksonville
Property crime per 100,0004,036 (2022)2,154 (2025)Jacksonville
Homicides
Counts, not rates, and a single year in a small city moves a long way on chance alone. What each figure covers is under the table.
10 (2025)80 (2025)Not directly comparable
Orlando

Orlando PD reports overall crime down 18% in 2024 and another 19% in 2025, violent crime down 10% in 2024 and 9% in 2025, and shootings with victims down 41% from 2023 to 2025. Homicides fell from 31 in 2023 to 10 in 2025. The FBI's public feed has no usable Orlando data after 2022, so these are the department's own figures.

What the rates cover: FBI Crime Data Explorer, Orlando Police Department (ORI FL0480400), 2022: 2,597 violent offenses, 835.8 per 100k. 2022 is the last year with twelve complete months in the FBI feed; 2023 through 2025 show zeros for this agency, so no FBI rate exists for those years. Orlando PD's own count of violent crime incidents (a broader in-house definition) was 6,754 in 2023 and 5,928 in 2025, which would be about 1,775 per 100k on the 2025 population.

Homicides: Orlando Police Department: 10 homicides in 2025, the lowest since 1971, down from 23 in 2024 and 31 in 2023 (OPD's 2023 figure was reported as 38 in a January 2025 release and 31 in the February 2026 release). About 3.0 per 100k on the 2025 city population. FBI CDE 2022: 32 homicides, 10.3 per 100k.

Jacksonville

On the FBI's definitions, violent offenses in Jacksonville went from 6,496 in 2021 to 6,141 in 2022 and 6,513 in 2023, then fell to 5,680 in 2024 and 5,231 in 2025, 8% lower than in 2024 and 19% lower than in 2021. Property offenses rose from 23,968 in 2021 to a peak of 26,443 in 2024 and fell 17% in 2025 to 21,920. Motor vehicle theft drove the swing: 2,035 in 2021, 3,461 in 2024 and 2,036 in 2025, down 41% in the last year. In 2025 the CDE shows aggravated assaults down 7% (4,533 to 4,236), robberies down 16% (639 to 539), rapes down 16% (445 to 376), burglaries down 22% and larcenies down 12%, while murders rose from 63 to 80, the one violent measure that went up. The sheriff's office cleared 55% of 2025's murders against 73% of 2024's, as Action News Jax reported from JSO records. The 2025 CDE counts were read on 1 October 2026 from a feed last refreshed on 15 September and can still be revised.

What the rates cover: Computed: 5,231 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Jacksonville Sheriff's Office (ORI FL0160000) in calendar 2025, divided by the 1,017,689 Vintage 2025 city population. On the CDE's own agency population of 1,008,920 the rate is 518. The sheriff's office, formed when the city and county police merged in 1968, is responsible for law enforcement in the county; Jacksonville Beach has its own department. That is higher than Miami (359), Tampa (375.5) and Fort Worth (375), close to Boston (507) and below San Antonio (532), Dallas (577) and Houston (890).

Homicides: 80 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 63 in 2024, about 7.9 per 100,000 on the city population. The sheriff's office's own counts differ slightly by date and definition: Action News Jax, reading JSO records, reported 76 murders in 2025 against 63 in 2024, and News4JAX reported 79 murder cases in 2025 within more than 100 homicides of all kinds, including 11 fatal police shootings. The 2024 figure was the low point: News4JAX's count of 82 homicides of all kinds that year was the lowest in the 19 years it has kept one. The CDE series is 107 in 2021, 132 in 2022, 128 in 2023, 63 in 2024 and 80 in 2025.

03: Climate

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

Climate normals
MeasureOrlandoJacksonvilleAdvantage
January mean15.9 °C12.3 °CNot directly comparable
July mean28.1 °C28.1 °CNot directly comparable
Precipitation a year1,307 mm1,356 mmNot directly comparable
Snowfall a year0 cm0 cmNot directly comparable
Sunshine a yearNot published2,880 hoursNot directly comparable
Orlando

NOAA 1991-2020 normals at Orlando International Airport (USW00012815): January mean 60.6F, July mean 82.6F, annual precipitation 51.45 in, annual snowfall 0.0 in, annual mean 73.0F. June through September each average 6.4 to 8.1 in of rain. Sunshine hours are not part of the NOAA normals product and were not verified.

Hazards: Hurricanes are the main hazard: Charley (2004), Irma (2017), Ian (2022, 14 in of rain and 74 mph gusts at MCO) and Milton (2024, over 15 in of rain in parts of Central Florida plus a record one-day tornado outbreak) all damaged the area. The city sits about 100 ft above sea level and 42 mi inland, so storm surge is not a concern but inland flooding, wind damage and long power outages are. Summer heat and daily thunderstorms with lightning are routine.

Jacksonville

NOAA NCEI 1991-2020 normals for Jacksonville International Airport (station USW00013889), inside the city about 12 miles north of downtown beside the National Weather Service's Jacksonville office: January mean 54.2F, July mean 82.5F, annual mean 69.3F, 53.40 in of precipitation, 0.0 in of snow. July is the warmest month by less than half a degree over August (82.1F), with a mean high of 91.9F; January's mean low is 42.9F. June (7.60 in) and September (7.56 in) are the wettest months, and June through September bring 28.81 in, 54% of the year; November (2.00 in) is the driest. The normals count 80.1 days a year at 90F or above, 0.7 at 100F or above and 14.3 nights at or below freezing. Converted here to 12.3 C, 28.1 C, 1,356 mm and 0 cm. That makes Jacksonville the coolest in winter of the four Florida cities this site compares, 6.4 F below Orlando's January and 14.4 F below Miami's, and the second-wettest city here after Miami. Sunshine is the 1961-1990 NCDC figure Current Results lists for Jacksonville, 2,880 hours a year, 63% of possible, with 94 clear days, the same source and basis as the other US profiles; the 1991-2020 normals do not include sunshine.

Hazards: Hurricanes are the defining hazard, though direct hits are rare. Wikipedia counts one direct hurricane strike on Jacksonville since 1871: Dora, whose eye crossed St. Augustine on 10 September 1964 as a strong Category 2. Matthew passed about 37 miles offshore in October 2016, bringing storm surge, flooding along the ocean and the St. Johns River and outages for 250,000 people; the airport recorded 6.28 in (160 mm) of rain on 7 October. Irma, which passed about 75 miles to the west in September 2017, did the most damage of the recent storms, and it did it with water rather than wind. A local nor'easter had already raised water levels in the St. Johns basin before the storm arrived; storm surge, high astronomical tides and Irma's rain then pushed the river at the Main Street Bridge downtown to an all-time record crest of 5.57 ft (NAVD88) on 11 September, against Dora's 4.12 ft, and set records or major flood stage along the river and its creeks from Mayport to the Buckman Bridge (National Weather Service). Crews made about 350 water rescues, mostly in Downtown, Riverside and San Marco, where one evacuee reported water to his neck inside his home. The airport recorded 9.72 in (247 mm) of rain on 10 and 11 September and a gust of 86 mph (138 km/h); Wikipedia puts damage in Jacksonville at $85 million and counts five deaths in Duval County. Nor'easters are the routine coastal hazard: persistent northeast winds pile water into the river and the Intracoastal Waterway and bring tidal flooding and beach erosion without a tropical storm in sight, as in September and October 2025, when long-running local nor'easters brought coastal flood advisories and tidal flooding at high tide along the Atlantic coast, the Intracoastal Waterway and the St. Johns River basin (Florida Times-Union). Heat is long rather than extreme. The normals count 80.1 days a year at 90F or above but under one at 100F (37.8 C); 2025 had 113 days at 90F or above, the third-most since the airport's record began in 1938, and 2026 had 107 through 27 September, with three days at 100F or above in 2025. The station's highest reading is 105F (40.6 C), on 21 July 1942. Cold is brief but real: 14.3 freezing nights a year on the normals, 19 in the first months of 2026, and a record low of 7F (-13.9 C) on 21 January 1985. Measurable snow is rare enough to list: 1.5 in (3.8 cm) on 13 February 1958, 0.8 in on 23 December 1989 and 0.1 in on 22 January 2025.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureOrlandoJacksonvilleAdvantage
Median household income$77,597 USD (2024)$72,389 USD (2024)Orlando
Unemployment rate4.6% (June 2026)4.9% (July 2026)Orlando
Sales tax6.5%7.5%Orlando
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
Orlando and Jacksonville 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
Orlando

Leisure and hospitality employed 305,500 of 1,506,600 nonfarm jobs in the MSA in June 2026 (BLS CES, not seasonally adjusted, preliminary), about 20%, roughly double the national share, and those jobs pay below the private-sector average, which is why household income trails the US median despite fast job growth. Disney is the largest employer at about 77,000 in the region; AdventHealth employs about 37,700 and Lockheed Martin more than 14,000.

Main sectors: Tourism and hospitality (Disney, Universal, convention centre), Health care (AdventHealth, Orlando Health), Aerospace, defence and simulation (Lockheed Martin, Central Florida Research Park), Construction and real estate, Professional and business services.

No state or city income tax. Property tax runs around 1% of assessed value with a homestead exemption and the Save Our Homes 3% cap for owner-occupiers; not verified here.

Jacksonville

BLS counted 803,800 nonfarm jobs in the Jacksonville MSA in August 2026 (not seasonally adjusted, preliminary), up only 500 on the year, almost flat. Private education and health services grew fastest (+3.3%, to 139,800) and professional and business services next (+2.0%, to 120,100), while financial activities lost 4,400 jobs (-6.1%, to 67,800), finance and insurance alone 3,000, and information fell 8.2% to 13,400. Government shrank 2.5% to 77,900, almost all of it federal (-8.4%, from 20,300 to 18,600); BLS's payroll count does not include active-duty sailors. Trade, transportation and utilities is the largest sector at 170,000 jobs, and leisure and hospitality held at 93,900. The seasonally adjusted series (SMS12272600000000001) was 806,600 in August 2026, 0.4% above August 2025. JAXPORT moved 1,388,841 TEUs of containers in fiscal 2025 (October 2024 to September 2025), up 4% on the year, 506,237 vehicles and 10.2 million tons of cargo, and says its cargo supports more than 258,800 jobs and $44 billion of annual economic impact in the region and state; a $250 million modernization of Blount Island's container and auto terminals was completed in 2025. The state's 2024 defense summary, on 2022 figures, puts defense spending in Duval County at $6.5 billion and its total impact at $9.1 billion, 68,060 jobs and 10.4% of the county's economy.

Main sectors: Port, rail and logistics: JAXPORT, Florida's No. 1 container port by volume (nearly 1.39 million TEUs and 506,237 vehicles in fiscal 2025), CSX and the Florida East Coast Railway, both headquartered in the city, and the shipping lines to Puerto Rico (Crowley, TOTE Maritime, Trailer Bridge), The Navy: Naval Air Station Jacksonville, the largest installation in Navy Region Southeast, Naval Station Mayport, home of the Fourth Fleet and 21 ships, and Marine Corps Support Facility Blount Island; defense spending has a $9.1 billion total economic impact in Duval County, Finance, insurance and financial technology (FIS and Fidelity National Financial, both headquartered in the city, Florida Blue, and Deutsche Bank's second-largest US operation), a sector now shrinking, Health care (Mayo Clinic Florida, Baptist Health and Wolfson Children's Hospital, UF Health Jacksonville, St. Vincent's), the metro's fastest-growing large sector, Trade, transportation and utilities, the metro's largest sector by payroll jobs (170,000 in August 2026).

Property tax is the local levy that matters. Tax Foundation puts Florida's effective property tax rate on owner-occupied homes at 0.78%, and a homestead exemption takes as much as $50,000 off a permanent residence's taxable value, with the Save Our Homes limit on how fast its assessment can rise (Florida Department of Revenue). On 22 September 2026 the City Council adopted a $2 billion budget for fiscal 2027, 18 to 1, and kept the consolidated government's rate at 11.1919 mills, about $11.19 per $1,000 of taxable value, on a 16 to 3 vote; The four towns that kept their own governments pay a different city rate (7.9012 mills at the Beaches, 9.4208 in Baldwin). Council and mayor held the rate rather than cut it because of Amendment 3, the homestead property tax cut on Florida's 3 November 2026 ballot, which the city expects would open a revenue shortfall of about $300 million by 2028 if it passes, and tied some spending to its outcome (Jacksonville Today). School board and other levies on the same bill belong to the housing layer.

05: Getting around

Whether you need a car

Transit
MeasureOrlandoJacksonvilleAdvantage
SystemLYNX (bus, Orange, Osceola and Seminole counties), SunRail (commuter rail, 16 stations DeLand to Poinciana), Brightline (intercity rail from MCO to South Florida)Jacksonville Transportation Authority (JTA): fixed-route buses (174 vehicles on 30 routes in 2026), the four-line First Coast Flyer bus rapid transit network (Green, Blue, Red and Orange lines, opened from December 2015 to 2021 and running every 20 minutes on weekdays), the fare-free 2.5-mile Skyway people mover with eight stations Downtown and on the Southbank (opened 1989), the NAVI autonomous shuttle on the 3.5-mile Bay Street corridor (opened June 2025), the St. Johns River Ferry between Mayport and Fort George Island, and Connexion paratransit. The Skyway is due to stop running on 2 November 2026 and NAVI on 1 January 2027.Not directly comparable
Commute by public transit1.5% (2024)0.8% (2024)Orlando
Walk or cycle to work1.7% (2024)2.0% (2024)Jacksonville
AirportOrlando International Airport (MCO), 57,675,573 passengers in 2025, up 0.8% on 2024, seventh busiest in the US (GOAA press release, July 28, 2026).Jacksonville International Airport (JAX), owned by the Jacksonville Aviation Authority about 12 miles north of downtown, handled 7,573,048 passengers in calendar 2025, 1.1% fewer than the 7,654,406 of 2024, by this file's sum of the authority's monthly traffic report; its fiscal year to September 2025 was 7,573,168, below the record 7,647,916 of the year before. American (27.6%) and Delta (27.1%) carried the most enplanements in the fiscal year to May 2026, ahead of United (15.1%) and Southwest (14.8%). That is about a third of Tampa International's 24.8 million.Not directly comparable
Orlando

LYNX carried 21,476,203 passenger trips in FY2025 (October 2024 to September 2025), more than 67,000 per weekday, on 62 routes (LYNX Facts at a Glance). SunRail passed 1.2 million riders in calendar 2024, up 12% on 2023 (SunRail press release, January 2025); APTA puts 2025 at about 1.32 million. SunRail runs weekdays only.

Jacksonville

JTA carried 7,342,300 unlinked trips in 2025, 6,307,000 of them by bus, 413,600 on the ferry and 253,200 on the Skyway, and about 28,000 a weekday in the second quarter of 2026, 1,000 of them on the Skyway (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). That is less than HART's 11.9 million in Tampa and a third of LYNX's 22.2 million in Orlando, for a city two and a half to three times as large. The agency is in a financial crisis. Its board adopted a $139.2 million budget for fiscal 2027, down from $178 million, to close a projected $17.5 million gap, and in September interim CEO Cleveland Ferguson III, appointed on 27 August after Nathaniel Ford's 13 years in charge, said a $39 million hole meant up to 194 layoffs and a Saturday schedule on weekdays from 2 November, with the First Coast Flyer kept at every 20 minutes. The Skyway, whose original ten-car fleet is down to two working vehicles, will halt that day while JTA decides whether to rebuild it, replace it or turn the guideway into an elevated trail, the option most favored in its spring survey. The Ultimate Urban Circulator, JTA's plan since 2016 to replace the monorail with autonomous vehicles on the Skyway's beams and city streets at an estimated $400 million, has stalled: NAVI, its first phase, drew just over 100 riders a day in its first three months and 11,892 in all by early April 2026, and will stop on 1 January because the developer of its driving software is ending support (Jacksonville Today).

06: Daily life

Health care, schools and what each city is like

Orlando

Health care

Care is paid for through employer or marketplace insurance, Medicare and Medicaid; Florida did not expand Medicaid under the ACA, so a larger share of working adults is uninsured than in most states, and hospitality jobs often come with thin coverage. Two large non-profit systems dominate: AdventHealth Orlando (one of the biggest hospitals in the country) and Orlando Health with Orlando Regional Medical Center, the region's Level I trauma centre, plus Nemours Children's Hospital at Lake Nona and the UCF Lake Nona Hospital.

Education

The University of Central Florida enrols about 70,000 students, among the largest campuses in the US, and anchors the Central Florida Research Park; Rollins College in Winter Park and Valencia College (a two-year college with a national Aspen Prize) are the other main institutions. Orange County Public Schools is the eighth largest district in the US with roughly 200,000 students, and Florida's universal school-choice vouchers, charter schools and magnet programmes mean many families do not attend their zoned school.

Living there

Orlando is a sprawling, car-first region of master-planned subdivisions, toll roads and strip centres, with a small walkable core around Lake Eola, Thornton Park, Mills 50 and College Park, and the theme parks 15 miles southwest in a separate world of their own. Summers are long, humid and stormy, winters mild, and the population skews young and Latino, with the largest Puerto Rican community in Florida. Housing and insurance costs have risen faster than the tourism-weighted wages, and hurricane season shapes the calendar every year.

Jacksonville

Health care

Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Florida is one of the ten states that have not expanded Medicaid under the Affordable Care Act; an organizing committee relaunched a ballot initiative to expand it in February 2026 (KFF). Florida's uninsured rate was 10.9% in 2024 (2,509,782 of 23,038,464), the sixth-highest of any state, against 8.2% nationally, on the ACS 2024 1-year estimates; the City of Jacksonville's was 10.1% (99,720 of 990,245), Duval County's 9.9% and the metro's 8.2%. UF Health Jacksonville, the University of Florida's academic hospital downtown with 695 beds and another 216 at UF Health North, is home to North Florida's Level I trauma center and carries the city's safety-net care: the fiscal 2027 city budget carries $56 million for its indigent care (Jacksonville Today). Mayo Clinic's Florida campus on the Southside, Mayo's first outside Rochester, opened in 1986 and has a hospital Wikipedia gives 304 beds, with an expansion to 428 announced for 2026. Baptist Health runs Baptist Medical Center Jacksonville and, beside it on the downtown riverfront, the 281-bed Wolfson Children's Hospital, the region's only Level I pediatric trauma center verified by the American College of Surgeons. This file did not verify a wait time figure for primary or specialist care.

Education

Duval County Public Schools, whose boundaries match the county's, has fallen below 100,000 students this fall for the first time in modern history, a 16% decline since 2015, when it had more than 115,000, as charter schools, homeschooling and state scholarships for private tuition grew (Action News Jax, 30 September 2026). It cut 115 teaching positions in September 2025 after a 1.9% drop in enrollment, closed several elementary schools that summer under its 2024 master facilities plan, and is consolidating four more in 2026-27, with two others delayed to 2027-28 and 2028-29. The University of North Florida, a public R2 research university founded in 1965 on the Southside, enrolled 16,575 students in 2024 (Florida Board of Governors). Jacksonville University, private, in Arlington, enrolled 4,247 in fall 2024 and has what Wikipedia calls the second-largest Naval ROTC program in the country. Florida State College at Jacksonville, the state college with campuses across the city, enrolled 23,556 students in 2024-25 (IPEDS, as compiled by UnivStats), 70% of them part time. Edward Waters University, founded in 1866, is the state's oldest historically Black college, and the city has committed $130 million to a new University of Florida graduate campus (Jacksonville Today).

Living there

Jacksonville is the largest city by land area in the contiguous United States, 747 square miles, because in 1968 it consolidated with Duval County and took in almost all of it; it is Florida's largest city by a wide margin and the eleventh-largest in the country, yet its metro is the smallest of the four Florida metros this site compares, and half the metro's growth since 2020 has been in St. Johns and Nassau counties rather than the city. The St. Johns River runs north through the middle of it to the Atlantic, and the river is both the economy and the risk: JAXPORT, Florida's busiest container port, and the Navy's bases at NAS Jacksonville and Mayport line it, and Irma in 2017 pushed it to its highest recorded level downtown. It is the coolest of the Florida cities here after Tallahassee, with real if brief winters, and hurricanes rarely hit it directly. It is built for the car: 70.9% of workers drive alone and 0.8% take transit, and the transit agency is cutting service, halting the Skyway and ending its autonomous shuttle in a budget crisis. Violent crime, at 514 per 100,000 on the FBI's counts, is higher than in Miami or Tampa. Household income, at $72,389, sits in the middle of the Florida cities, and Florida takes no income tax. The open questions are the transit agency's finances, a shrinking school district, the November 2026 homestead tax vote the city has budgeted against, and whether finance jobs, down 6.1% in a year, keep leaving.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, so the figures net directly, though the headlines are different instruments. Orlando's is Zillow's typical home value for the city across all homes, $375,175 in June 2026, 2.4% below a year earlier. Jacksonville's is the Northeast Florida Association of REALTORS' median sale price of single-family homes in Duval County, $335,000 in August on 887 closed sales, 1.5% below 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. 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 Orlando's typical home is about 1.3 times it. Against local pay the headlines are 4.8 times the City of Orlando's 2024 median household income of $77,597 and 4.6 times Jacksonville's $72,389. At 20% down, Orlando's $300,140 loan at 6.67%, Freddie Mac's August rate, costs $1,931 a month, and the $268,000 loan on Duval County's median at 7.03%, the rate for 24 September, $1,788. A homesteaded buyer's first-year property tax is about $6,043 in Orlando, 1.61% of the price on 18.0878 mills, against $5,215 in Jacksonville, 1.56% on 17.7412, and insurance is budgeted at $310 and $275 a month, neither including flood. The three lines come to about $2,745 and $2,498, roughly 42% and 41% of local median income; at 7.03% Orlando's would be about $2,816, and on Zillow's value for Jacksonville the carry would be about $2,158. Zillow's observed rent index, which the Florida layers use for a two-bedroom, was $1,904 in Orlando in June 2026 and $1,601 in Jacksonville in August, about 29% and 27% of median income, and Apartment List's median two-bedroom in Jacksonville was $1,306 in September, with a one-bedroom at $1,110.

Only homicide can be compared cleanly, because Orlando has no current federal figures. The FBI's feed carries no complete Orlando Police data after 2022, when it published 835.8 violent and 4,035.6 property offenses per 100,000, and shows zeros for 2023 through 2025, and the department's own 2025 tally of violent incidents, 5,928 on a broader definition, works out near 1,775 per 100,000, which cannot sit beside Jacksonville's federal rate. That rate is 514 violent offenses per 100,000 in 2025, on 5,231 offenses submitted by the Jacksonville Sheriff's Office, formed when the city and county police merged in 1968, and 2,154 property offenses on 21,920. Homicide favors Orlando by a wide margin: 10 in 2025, about 3.0 per 100,000 and the fewest since 1971, against 31 in 2023, while Jacksonville recorded 80, about 7.9, up from 63 in 2024, and its sheriff's office cleared 55% of them against 73% the year before. Both report crime falling otherwise. Orlando's department puts overall crime 19% lower in 2025 after an 18% drop in 2024, and shootings with victims 41% lower than in 2023. Jacksonville's FBI counts show violent offenses down 8% in 2025 and 19% since 2021, and property offenses down 17%, with motor vehicle theft down 41%. The Jacksonville counts, read on 1 October 2026, can still be revised.

The two summers are the same and the winters are not. July averages 28.1 C at both airports on the 1991-2020 normals; January averages 15.9 C at Orlando International and 12.3 C at Jacksonville International, 6.4 F cooler, where the normals count 14.3 nights a year at or below freezing and the record low is 7F (-13.9 C). Jacksonville gets 1,356 mm of rain a year and Orlando 1,307 mm, both mostly from June through September, and neither has snow in the normals; Orlando's profile has no sunshine figure, and Jacksonville's older 1961-1990 one is 2,880 hours. Jacksonville's normals count 80.1 days a year at 90F or above, and 2025 had 113. The hurricane risk differs in kind. Orlando sits about 100 ft above sea level and 42 mi inland, so surge is not the risk; wind, inland flooding and long power outages are, from Charley in 2004, Irma in 2017, Ian in 2022, with 14 in of rain and 74 mph gusts at the airport, and Milton in 2024. Jacksonville is on the coast and the St. Johns River, and the same Irma that damaged the Orlando area in 2017 pushed the river downtown to a record 5.57 ft, after a nor'easter had already raised it and with 9.72 in (247 mm) of rain over two days, bringing about 350 water rescues in Downtown, Riverside and San Marco. Jacksonville has had one direct hurricane strike since 1871, Dora in 1964, and nor'easters bring tidal flooding along its ocean and river shores without a tropical storm, as in September and October 2025.

Unemployment is close, and the two economies lean on different things. On the same unadjusted basis BLS put July 2026 unemployment at 4.7% for the Orlando metro and 4.9% for Jacksonville's. Greater Orlando had 1,506,600 nonfarm jobs in June, 305,500 of them in leisure and hospitality, about one in five and roughly double the national share, at pay below the private-sector average; Disney alone employs about 77,000 in the region, AdventHealth about 37,700 and Lockheed Martin more than 14,000. The Jacksonville metro's 803,800 in August were only 500 more than a year earlier, and leisure and hospitality held at 93,900. Its largest sector is trade, transportation and utilities at 170,000, built on JAXPORT, Florida's No. 1 container port by volume, and on CSX and the Florida East Coast Railway, both headquartered in the city. Defense is large in both. Lockheed Martin is Orlando's; Jacksonville's is the Navy, with Naval Air Station Jacksonville and Naval Station Mayport, home of the Fourth Fleet, and a $9.1 billion total economic impact in Duval County. Finance is Jacksonville's weak point, down 4,400 jobs, 6.1%, in a year, while private education and health services grew 3.3%. Median household income was $77,597 in the City of Orlando and $72,389 in Jacksonville in 2024, and $81,044 across greater Orlando against $82,053 around Jacksonville. Florida takes no income tax in either, so $100,000 pays the same $13,449 in federal tax for 2025. Sales tax is 6.5% in Orange County against 7.5% in Duval. Property tax and insurance come to about $9,763 a year on Orlando's typical home and $8,516 on Duval County's median.

A car is assumed in both; Orlando carries more riders and runs trains. In 2024, 1.5% of City of Orlando workers took transit and 1.7% walked or cycled, against 0.8% and 2.0% in Jacksonville, where 70.9% drove alone; 13.2% of Orlando's workers worked from home and 15.0% of Jacksonville's. LYNX carried 21,476,203 trips in fiscal 2025 on 62 routes across three counties, SunRail runs commuter trains through 16 stations from DeLand to Poinciana on weekdays only, and Brightline runs from the airport to South Florida. The Jacksonville Transportation Authority carried 7,342,300 in 2025, about a third as many, on buses, the four-line First Coast Flyer bus rapid transit network, the St. Johns River Ferry and the Skyway, and it is in a financial crisis. Facing a $39 million hole, it plans up to 194 layoffs and a Saturday schedule on weekdays from 2 November 2026, keeping the Flyer every 20 minutes; the 2.5-mile Skyway stops running that day, and the NAVI autonomous shuttle ends on 1 January 2027. Orlando International handled 57,675,573 passengers in 2025, seventh busiest in the country and more than seven times Jacksonville International's 7,573,048.

Florida has not expanded Medicaid, so coverage in both runs through an employer or marketplace plan, Medicare or Medicaid, and hospitality jobs in Orlando often carry thin coverage. Florida's uninsured rate was 10.9% in 2024, the sixth highest of any state, and the City of Jacksonville's 10.1%; Orlando's profile gives no rate. Orlando's hospitals are two large non-profits, AdventHealth Orlando and Orlando Health, whose Orlando Regional Medical Center is the region's Level I trauma center, with Nemours Children's at Lake Nona. Jacksonville's are UF Health Jacksonville, the University of Florida's academic hospital downtown with 695 beds, North Florida's Level I trauma center and the city's safety-net care, for which the fiscal 2027 budget carries $56 million; Mayo Clinic's Florida campus on the Southside; and Baptist Health with Wolfson Children's, the region's only Level I pediatric trauma center verified by the American College of Surgeons. Neither profile verified a wait time. Orange County Public Schools is the eighth largest district in the country at roughly 200,000 students, and Florida's universal vouchers, charters and magnets mean many families never use their zoned school. 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. UCF enrolls about 70,000 students; the University of North Florida enrolled 16,575 in 2024 and Florida State College at Jacksonville 23,556 in 2024-25.

What people underestimate is the levy on a newer house, which both cities have and neither figure includes, and the shape of each city. Much of the Orlando metro's newer housing, Lake Nona inside the city among it, carries a community development district assessment of roughly $1,200 to $3,000 a year that appears in no millage. Jacksonville's newer edges have the same arrangement: Normandy CDD, created by City ordinance in 2022, charges a developed 50-foot lot $4,225.50 for fiscal 2027, $1,881.72 of it toward bonds that run to 2054. Otherwise the rules match. Florida takes $25,000 off every levy for a homestead and a second slice off all but the school district's, Save Our Homes resets the assessment on a sale, and until the buyer files by 1 March the full rate applies, 1.81% in Orlando and 1.77% in Jacksonville, about $5,943 on the Duval median. Both sellers pay the 70-cent documentary stamp on the deed, about $2,626 and $2,345, and both buyers 0.55% of the loan, about $1,651 and $1,474. Jacksonville's bill adds the City's solid waste and stormwater fees, about $414 a year for a house, and its consolidated government held its rate for fiscal 2027 against Amendment 3, the homestead tax cut on Florida's 3 November 2026 ballot, which it expects would open a shortfall of about $300 million by 2028. The shapes differ too. Orlando is a city of 333,888 at the center of a metro of 2,957,672. Consolidation in 1968 put almost all of Duval County inside Jacksonville, 747 square miles of land and 1,017,689 people, 57% of its metro, though half the metro's growth since 2020 has been in St. Johns and Nassau counties outside it.

Orlando

Better here

  • Orlando Police recorded 10 homicides in 2025, about 3.0 per 100,000 and the fewest since 1971, against 80 and about 7.9 in Jacksonville.
  • January averages 15.9 C on the 1991-2020 normals against 12.3 C in Jacksonville, which counts 14.3 freezing nights a year.
  • City median household income was $77,597 in 2024 against $72,389 in Jacksonville.
  • LYNX carried 21,476,203 trips in fiscal 2025 against JTA's 7,342,300, SunRail runs commuter trains through 16 stations, and Brightline connects the airport to South Florida.
  • Orlando International handled 57,675,573 passengers in 2025, seventh busiest in the country, against 7,573,048 at Jacksonville International.
  • Sales tax is 6.5% in Orange County against 7.5% in Duval, and the city sits 42 mi inland, so surge is not the risk.

Worse here

  • Mortgage, property tax and insurance come to about $2,745 a month on the June 2026 typical home, and about $2,816 at September's 7.03%, against $2,498 on Duval County's median.
  • 305,500 of the metro's 1,506,600 jobs are in leisure and hospitality at below-average pay, about one in five and roughly double the national share.
  • The FBI's feed has no complete Orlando Police data after 2022, when violent crime ran 835.8 per 100,000, so no current federal rate stands beside Jacksonville's.
  • Zillow's observed rent index was $1,904 in June 2026 against $1,601 in Jacksonville in August, where Apartment List's median two-bedroom was $1,306.
  • A homesteaded buyer's first-year property tax is about $6,043 and insurance is budgeted at $310 a month, against $5,215 and $275 in Jacksonville.
  • Ian brought 14 in of rain and 74 mph gusts to the airport in 2022, and hurricanes bring wind, inland flooding and long power outages.

Choose Orlando if

  • you want a January at 15.9 C and an inland address where surge is not the risk
  • you work in tourism, simulation and defense, or health care at AdventHealth or Orlando Health
  • you want a job market nearly twice the size and the larger airport
  • you want commuter rail and a train to South Florida, even if you still drive most days

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

Jacksonville

Better here

  • Mortgage, property tax and insurance come to about $2,498 a month on Duval County's August 2026 median, against about $2,745 on Orlando's typical home.
  • Zillow's observed rent index was $1,601 in August 2026 against $1,904 in Orlando in June, and Apartment List's median two-bedroom was $1,306 in September.
  • Property tax is about $5,215 a year with a homestead, 1.56%, against $6,043 and 1.61% in Orlando, and insurance is budgeted at $275 a month against $310.
  • The metro's median household income was $82,053 in 2024 against $81,044 around Orlando, and leisure and hospitality is 93,900 of 803,800 jobs rather than one in five.
  • JAXPORT, Florida's No. 1 container port by volume, CSX, the Florida East Coast Railway and two Navy bases anchor the work.
  • Mayo Clinic's Florida campus, UF Health Jacksonville's Level I trauma center and Wolfson Children's, the region's only verified Level I pediatric trauma center, are in the city.

Worse here

  • There were 80 homicides in 2025, about 7.9 per 100,000 and up from 63, against 10 and about 3.0 in Orlando.
  • January averages 12.3 C with 14.3 freezing nights a year, 6.4 F cooler than Orlando's January.
  • Only 0.8% of workers commuted by transit in 2024, the Skyway stops on 2 November 2026, and JTA plans a Saturday schedule on weekdays from that date.
  • The metro added only 500 jobs in the year to August 2026, and financial activities lost 6.1%.
  • Sales tax is 7.5% in Duval against 6.5% in Orange County.
  • Irma pushed the St. Johns River downtown to a record 5.57 ft in 2017, so flood risk follows the river as well as the coast.

Choose Jacksonville if

  • you want to own for about $2,498 a month and rent for less than in Orlando
  • you work for the Navy, at the port, for the railroads or in logistics rather than in tourism
  • you want a coastal city with real if brief winters and summers no hotter than Orlando's
  • you want Mayo Clinic, UF Health and Baptist within the city

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

08: Questions people ask

Orlando or Jacksonville, in short

Is Orlando or Jacksonville cheaper to live in?

Jacksonville, by a little on the house and more on the rent, and about level against what people earn. Both cities are in Florida and price in US dollars, so the figures net directly. Orlando's typical home was $375,175 in June 2026 on Zillow's all-homes index, and Duval County's median single-family sale price $335,000 in August, a county figure because no city median is published; Zillow's index for the City of Jacksonville stood at $285,103. The mortgage at 20% down is $1,931 against $1,788, though Orlando's uses August's 6.67% rate and Jacksonville's September's 7.03%. Property tax is about $6,043 a year against $5,215 and insurance $310 a month against $275, so the three lines come to about $2,745 in Orlando and $2,498 in Jacksonville, or about $2,816 for Orlando at the same 7.03%, and roughly 42% and 41% of local median income. That is before flood cover and before any district levy on a newer house in either. Zillow's observed rent index was $1,904 in Orlando in June and $1,601 in Jacksonville in August. Neither city levies income tax, and sales tax is 6.5% in Orange County against 7.5% in Duval.

Is Orlando or Jacksonville safer?

Orlando, on homicide, the one count that can be set side by side. Orlando Police recorded 10 homicides in 2025, about 3.0 per 100,000 and the fewest since 1971; Jacksonville recorded 80 in the FBI's file, about 7.9, up from 63 in 2024. Jacksonville's violent rate was 514 per 100,000 and its property rate 2,154 in 2025 on the FBI's counts, read on 1 October 2026 and still open to revision. Orlando has no FBI rate after 2022, when it was 835.8 violent and 4,035.6 property offenses per 100,000, and its department's own 2025 tally uses a broader definition that lands near 1,775 per 100,000, which cannot sit beside Jacksonville's 514. Both report crime falling: Orlando's overall crime was down 19% in 2025, and Jacksonville's violent offenses were down 8% and its property offenses 17%.

Which has the better job market, Orlando or Jacksonville?

Orlando's is nearly twice the size and more tied to one industry; unemployment is close. On the same unadjusted basis BLS put July 2026 unemployment at 4.7% for the Orlando metro and 4.9% for Jacksonville's. Greater Orlando had 1,506,600 nonfarm jobs in June 2026, 305,500 of them in leisure and hospitality at below the private-sector average, with Disney at about 77,000, AdventHealth at about 37,700 and Lockheed Martin at more than 14,000. The Jacksonville metro had 803,800 in August, only 500 more than a year earlier, led by trade, transportation and utilities at 170,000 and with leisure and hospitality at 93,900; JAXPORT, CSX, the Florida East Coast Railway and the Navy's two bases are its anchors, health care is growing and finance shrinking. Median household income was $81,044 across the Orlando metro in 2024 and $82,053 around Jacksonville, and $77,597 in the City of Orlando against $72,389 in the City of Jacksonville.

What does a listing leave out in Orlando and in Jacksonville?

The levy on a newer house, the reset after a sale and the flood policy. Much of the Orlando metro's newer housing, Lake Nona inside the city among it, carries a community development district assessment of roughly $1,200 to $3,000 a year that appears in no millage, and Jacksonville's newer edges have the same arrangement: Normandy CDD charges a developed 50-foot lot $4,225.50 for fiscal 2027. The first contract for a lot in a district has to disclose it, but a resale contract does not, so look for the district's line on the seller's last tax bill. In both cities Save Our Homes resets the assessment to market value the January after a sale, and the full rate applies until the buyer files for the homestead by 1 March, 1.81% in Orlando and 1.77% in Jacksonville. Jacksonville's bill also carries about $414 a year in City solid waste and stormwater fees that no exemption reduces. Neither figure here includes flood insurance; from 1 January 2027 every Citizens policy with wind cover must carry it, and in Jacksonville the river, not only the ocean, sets the risk.

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.

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    Supports: City population, Five-year growth, crime.homicides rate
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    Supports: Metro population, Five-year growth
  3. Crime Data Explorer, Orlando Police Department summarized offenses (violent crime, property crime, homicide), 2021-2025 · FBI · retrieved
    Supports: Violent crime rate, Property crime rate, crime.homicides 2022
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    Supports: Homicides, Crime trend, crime notes
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    Supports: Homicides, Crime trend
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    Supports: Crime trend, crime.homicides 2024
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    Supports: Crime trend
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    Supports: January mean, July mean, Annual precipitation, Annual snowfall
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    Supports: Climate hazards, character
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    Supports: Climate hazards
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    Supports: Median household income, Transit commute share, Walk and cycle commute share
  12. Local Area Unemployment Statistics, series LAUMT123674000000003 (Orlando-Kissimmee-Sanford MSA unemployment rate) · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate
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    Supports: Labour market
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    Supports: Main sectors, Labour market
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    Supports: Sales tax
  16. 2025 Tax Brackets · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  17. Facts at a Glance · LYNX (Central Florida Regional Transportation Authority) · retrieved
    Supports: Transit system, Transit ridership
  18. SunRail Ridership Grows to 1.2 Million Riders in 2024 · SunRail · retrieved
    Supports: Transit ridership
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    Supports: Airport passengers
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    Supports: City population, Five-year growth, Character
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    Supports: Character, point, Jacksonville city: 747.266 sq mi of land, 127.193 sq mi of water, internal point 30.336864, -81.661603
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    Supports: Character, Climate hazards, Violent crime rate, Main sectors, Education
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    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Character
  24. JSO reporting more murders over the last year, with fewer murder cases cleared · Action News Jax · retrieved
    Supports: Homicides, Crime trend
  25. Jacksonville's 2025 homicide data reveals spikes in certain areas but only 1 gang-related death · News4JAX · retrieved
    Supports: Homicides
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    Supports: Homicides
  27. 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
  28. 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
  29. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours, Climate normals
  30. 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
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    Supports: Climate hazards
  32. Irma Brings Record Flooding to Jacksonville, Cuts Power to More Than 7 Million · Weather Underground · retrieved
    Supports: Climate hazards
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    Supports: Climate hazards
  34. Nor'easter impacts in Jacksonville and coastal flood advisory extends through weekend · Florida Times-Union (via Yahoo News) · retrieved
    Supports: Climate hazards
  35. 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
  36. 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
  37. 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
  38. 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
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    Supports: Main sectors, Labour market, Character
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    Supports: Main sectors, Labour market, 1,388,841 TEUs against 1,340,412, 506,237 auto units against 509,091, 10,230,114 tons
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    Supports: Main sectors, Labour market
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    Supports: Top marginal income tax, Income tax on $100,000
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    Supports: Tax notes
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    Supports: Transit system, Transit ridership
  54. First Coast Flyer (lines and opening dates) · Wikipedia · retrieved
    Supports: Transit system
  55. JTA begins first AV-powered service in U.S. · Mass Transit · retrieved
    Supports: Transit system, Transit ridership
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    Supports: Transit ridership
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    Supports: Transit ridership
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    Supports: Transit ridership
  59. Facing shortfall, JTA will cut jobs, reduce bus service and halt Skyway and NAVI · Jacksonville Today · retrieved
    Supports: Transit system, Transit ridership, Character
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    Supports: Airport passengers
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    Supports: Airport passengers, Climate normals
  62. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  63. UF Health Jacksonville · Wikipedia · retrieved
    Supports: Health care
  64. Mayo Clinic Florida · Wikipedia · retrieved
    Supports: Health care
  65. Wolfson Children's Hospital · Wikipedia · retrieved
    Supports: Health care
  66. Duval Schools enrollment down 16% since 2015, drops below 100K students · Action News Jax (via Yahoo News) · retrieved
    Supports: Education, Character
  67. Duval Schools cutting 115 teacher positions due to falling enrollment · Action News Jax · retrieved
    Supports: Education
  68. Board approves delays in proposed school consolidations · Duval County Public Schools · retrieved
    Supports: Education
  69. State University System of Florida 2025-2026 Matrix · Florida Board of Governors · retrieved
    Supports: Education
  70. University of North Florida (founding, R2 classification) · Wikipedia · retrieved
    Supports: Education
  71. Fast Facts, Fall 2024 · Jacksonville University · retrieved
    Supports: Education
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    Supports: Education
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    Supports: Education
  74. Duval County Public Schools (boundaries) · Wikipedia · retrieved
    Supports: Education
  75. Florida State College at Jacksonville (campuses) · Wikipedia · retrieved
    Supports: Education
  76. Zillow Home Value Index (ZHVI), all homes, mid-tier, smoothed and seasonally adjusted: city file, June 2026 · Zillow Research · retrieved
    Supports: A typical home value for the 35th to 65th percentile of each municipality's market, computed on one method across all twenty-four, Year-over-year change to June 2026, which is negative in twenty-two of the twenty-four, The same series and month the Charlotte metro pages use, so the two American metros can be read against each other
  77. 2025 Final Millage Rates · Orange County Property Appraiser · retrieved
    Supports: Orange County general at 4.4347 mills, the library district at 0.3748 and the St Johns River Water Management District at 0.1793, School state and local levies totalling 6.449 mills, Municipal rates from Windermere's 3.7425 to Eatonville's 7.2938, A published total against every mill code, including Winter Park's 15.3615 on codes 2, 4 and 6, Maitland's 16.3055 on code 6, and Windermere's 15.2311 on code 35 and 15.4839 on code 75, A blank library column on every Winter Park and Maitland code, which is what puts both municipalities outside the district
  78. Special taxing district information: the Orange County Library District's boundary · Orange County Library System · retrieved
    Supports: The district's boundary is Orange County exclusive of Winter Park and Maitland, each of which operates its own library, Laws of Florida chapter 99-486 as the enabling act behind it
  79. Final 2025 Millage Rates, fiscal year 2025-26 · Seminole County Property Appraiser · retrieved
    Supports: Total millage by taxing authority for every Seminole municipality, from Lake Mary's 14.3929 to Casselberry's 18.1808, School required local and discretionary levies totalling 5.2490 mills, The county fire and road MSTUs, which apply in the unincorporated area and in some cities but not others
  80. 2025 Final Millage Rates · Osceola County Property Appraiser · retrieved
    Supports: Kissimmee at 17.4114 mills and Saint Cloud at 17.8989, School levies totalling 5.3060 mills across required local, discretionary and capital, Dozens of separate municipal service taxing units in the unincorporated county, from 0.13 to 12.42 mills, which is why an unincorporated Osceola address cannot be given one rate
  81. 2025 Final Millage Rates by district, and the 2025 Final Millage Rates and Values Comparison Sheet · Lake County Property Appraiser · retrieved
    Supports: Total millage for every Lake municipality, from Leesburg's 15.9477 to Eustis's 19.8623, Leesburg's own adopted rate of 3.4752 mills, on the district sheet and again as the 2025 adopted rate on the comparison sheet, School board state and local levies totalling 6.0850 mills, The county fire, ambulance and stormwater MSTUs and which municipalities are subject to them, including that an incorporated city pays neither the fire nor the stormwater MSTU
  82. 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 population estimates for each municipality, Leesburg's growth from 27,011 to 37,815, the fastest in the metro in percentage terms, Orlando at 334,854, which is twelve percent of its own metropolitan area
  83. Primary Mortgage Market Survey · Freddie Mac · retrieved
    Supports: 30-year fixed-rate mortgage averaging 6.67%
  84. Average cost of homeowners insurance in Florida, 2026 · MoneyGeek · retrieved
    Supports: A Florida average of about $3,815 a year against a national average of about $2,543, Orange County premiums in the $3,200 to $4,500 range, at the cheaper end of the state because the metro is inland
  85. Conforming loan limit values for 2026 · Federal Housing Finance Agency · retrieved
    Supports: A baseline one-unit conforming loan limit of $832,750 for 2026, which applies in every county in this metro
  86. Documentary stamp tax · Florida Department of Revenue · retrieved
    Supports: 70 cents per $100 on a deed, in every county except Miami-Dade, which charges 60 cents plus a 45-cent surtax, 35 cents per $100 on a promissory note or other written obligation to pay money
  87. 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
  88. 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
  89. 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
  90. 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
  91. 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
  92. 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
  93. 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
  94. 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
  95. 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
  96. 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
  97. 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
  98. 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
  99. 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
  100. 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
  101. 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
  102. 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
  103. 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
  104. 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
  105. 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%
  106. 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
  107. 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
  108. 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
  109. 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%
  110. 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
  111. 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
  112. 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
  113. 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
  114. 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
  115. 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
  116. Renters insurance in Florida · NerdWallet · retrieved
    Supports: An average Jacksonville renters premium of $179 a year, $15 a month
  117. 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
  118. 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
  119. 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
  120. 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
  121. 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
  122. 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
  123. 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
  124. 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
  125. Bartram Park Community Development District · Bartram Park Community Development District · retrieved
    Supports: A community development district established in 2005 and located in Duval County
  126. 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
  127. #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
  128. 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
  129. 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