2026 Relocation & Cost Arbitrage Engine

Relocation: New York-Newark-Jersey City, NY-NJ to Jacksonville, FL

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from New York-Newark-Jersey City, NY-NJ to Jacksonville, FL.

Popular Corridors:
Equivalent Salary
$65,600
To maintain parity
Cost of Living Delta
-34.4%
Overall expenditure basket
Annual Tax Delta
+$8,301
State + local taxes
Annual 1BR Rent Delta
-$15,696
HUD Fair Market Rents
Net Annual Buffer
+$23,997/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

New York-Newark-Jersey City, NY-NJ

COL 181.0
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,860
Local / City Tax -$3,441
Net Annual Take-Home $70,879
HUD 1BR Fair Market Rent -$32,748
Discretionary Cash Flow $38,131
Target Market
Destination Location

Jacksonville, FL

COL 118.7
Gross Parity Income $65,600
Federal Income Tax -$5,692
FICA (SS & Medicare) -$5,018
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $54,890
HUD 1BR Fair Market Rent -$17,052
Discretionary Cash Flow $37,838

EPI family budgets put living costs 34.4% lower in Jacksonville, FL than in New York-Newark-Jersey City, NY-NJ, so $100,000 in New York goes about as far as $65,600 in Jacksonville. HUD's one-bedroom Fair Market Rent is $2,729 a month in New York and $1,421 in Jacksonville, $15,696 a year less. On the same $100,000 salary a single filer pays $8,301 less a year in federal, state and local income tax and FICA in Jacksonville. Taxes and one-bedroom rent together leave you about $23,997 a year better off. The BLS median wage across all occupations is $61,430 in New York and $48,830 in Jacksonville.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category New York-Newark-Jersey City (Monthly) Jacksonville (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,729$1,421-$1,308-47.9%
Food & Groceries$426$372-$54-12.7%
Transportation$693$1,031+$338+48.8%
Healthcare$748$477-$271-36.2%
Other Necessities$879$544-$335-38.1%
Total Taxes (Federal, State, Local, FICA)$2,427$1,735-$692-28.5%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,308/mo (-47.9%)
New York-Newark-Jersey City: $2,729/mo Jacksonville: $1,421/mo
2-Bedroom Fair Market Rent -$1,277/mo (-43.0%)
New York-Newark-Jersey City: $2,971/mo Jacksonville: $1,694/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$13.77/hr (-34.4%)
New York-Newark-Jersey City: $40.03/hr Jacksonville: $26.26/hr
2 Adults + 1 Child (per earner) -$11.40/hr (-33.3%)
New York-Newark-Jersey City: $34.19/hr Jacksonville: $22.79/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector New York-Newark-Jersey City Median Jacksonville Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$119,720$83,520-$36,200 (-30.2%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$157,000$100,870-$56,130 (-35.8%)View Dossier
Software EngineerTechnologyTechnology$166,830$130,330-$36,500 (-21.9%)View Dossier
Accountant & AuditorFinanceFinance$105,650$79,960-$25,690 (-24.3%)View Dossier
Financial ManagerFinanceFinance$221,010$138,780-$82,230 (-37.2%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$126,660$99,270-$27,390 (-21.6%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$124,390$83,220-$41,170 (-33.1%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$215,300$169,010-$46,290 (-21.5%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$192,840$156,950-$35,890 (-18.6%)View Dossier
Financial AnalystFinanceFinance$128,930$89,880-$39,050 (-30.3%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$215,150$133,460-$81,690 (-38.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$79,020$58,280-$20,740 (-26.2%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

New York-Newark-Jersey City, NY-NJ to Jacksonville, FL Relocation FAQs

About $65,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 118.7 in Jacksonville, FL, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

New York-Newark-Jersey City, NY-NJ to Jacksonville, FL: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Jacksonville, FL to New York-Newark-Jersey City, NY-NJ
Relocation: New York-Newark-Jersey City, NY-NJ to Jacksonville, FL Overview

New York-Newark-Jersey City, NY-NJ to Jacksonville, FL: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same.

Quick answers
How much salary do I need in Jacksonville, FL to match $100,000 in New York-Newark-Jersey City, NY-NJ?

About $65,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (181.0 in New York-Newark-Jersey City, NY-NJ, 118.7 in Jacksonville, FL, from EPI family budgets); taxes are compared separately below.

Is Jacksonville, FL cheaper than New York-Newark-Jersey City, NY-NJ?

EPI's family budgets for a single adult put overall living costs 34.4% lower in Jacksonville, FL than in New York-Newark-Jersey City, NY-NJ. The budgets cover housing, food, transportation, health care and other necessities.