Jacksonville, FL vs Duluth, MN
Moving from Jacksonville to Duluth? Here's what changes — from your equivalent salary to housing ($352,994 → $264,350 median home) and taxes.
Jacksonville vs Duluth at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Jacksonville, FL, you'd need about $87,492 in Duluth, MN (−$12,508).
Livability — Jacksonville, FL: 69 · Duluth, MN: 68 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,621 sqft in Jacksonville vs 3,404 sqft in Duluth ($191 vs $147 per sqft).
Annual cost breakdown (at $100,000)
| Category | Jacksonville, FL | Duluth, MN | Difference |
|---|---|---|---|
| Housing | $20,412 | $16,572 | −$3,840 |
| Groceries | $4,813 | $4,846 | +$33 |
| Transportation | $4,800 | $3,375 | −$1,425 |
| Utilities | $1,656 | $1,776 | +$120 |
| Insurance | $4,200 | $2,200 | −$2,000 |
| Taxes | $4,713 | $14,852 | +$10,139 |
| Total | $40,594 | $43,621 | +$3,027 |
Side by side
| Metric | Jacksonville, FL | Duluth, MN |
|---|---|---|
| Cost-of-living index | 99.6 | 87.2 |
| Unemployment rate | 4.54% | 4.41% |
| Population growth (5-yr) | 11.4% | 4.4% |
| Air quality (median AQI) | 51 | 39 |
| Big Mac price (est.) | $5.67 | $4.96 |
| Median home price | $352,994 | $264,350 |
| Home price ÷ income | 4.8× | 3.9× |
| 1-yr home appreciation | -1.7% | 6.6% |
| Price per square foot | $191 | $147 |
| Median rent | $1,701 | $1,381 |
| Total tax burden (% income) | 9.1% | 12.1% |
| Combined sales tax | 7.02% | 8.10% |
| Capital gains tax | None | 9.85% |
| Property tax rate | 0.80% | 1.12% |
| Healthcare (annual) | $7,500 | $6,800 |
| Childcare (annual, infant) | $10,000 | $16,000 |
| Vehicle property tax | None | 1.58% |
| Avg commute (min) | 26 | 20 |
| Home insurance / yr | $4,200 | $2,200 |
| Auto insurance / yr | $2,900 | $1,600 |
| Flood insurance / yr | $1,400 | $600 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 15.4 | 16.4 |
| Gas $/gal | 3.35 | 3.15 |
| Violent crime /100k | 380 | 280 |
| Avg summer high °F | 91 | 83 |
| Avg winter low °F | 52 | 4 |
| Permit difficulty (1–5) | 3 | 3 |