How Jacksonville take-home pay works
Your Jacksonville take-home pay is your gross salary minus federal income tax, Social Security (6.2%), and Medicare (1.45%). The calculator subtracts each in order and divides by your pay frequency to show net pay per paycheck.
Take-home = Gross − Federal − FICA (7.65%)
Population: 1,017,689 city / 1,785,500 metro (Census estimates for July 2025). Jacksonville is one of the largest US cities and has unique tax rules described below.
Florida state income tax
Florida has no state income tax, one of nine US states with no personal income tax.
For full Florida state tax details, deductions, and exemptions, see the Florida Paycheck Calculator.
Take-home pay at common Jacksonville salaries
Estimated annual net pay for a single filer in Jacksonville, including federal + state taxes and FICA. Use the calculator above for personalized figures.
| Gross | Annual Net | Bi-weekly | Effective Rate |
|---|---|---|---|
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Income vs cost of living in Jacksonville
Understanding your paycheck in Jacksonville means looking beyond the gross number, the cost of living here directly determines what your take-home pay actually buys.
| Median household income | $72,389/year |
| Median earnings, people with earnings | $43,434/year |
| Price level, metro area (BEA 2024) | 99.5 (U.S. = 100) |
| Median rent, 1 bedroom | $1,377/month |
| Median rent, 2 bedrooms | $1,591/month |
Income and rent: Census Bureau, American Community Survey 2024 1-year estimates for the city of Jacksonville. Rent is median gross rent, rent plus utilities, across all renters, long-standing and rent-regulated leases included, so a new lease usually costs more. Price level: Bureau of Economic Analysis regional price parities for the Jacksonville, FL metro area.
Tax highlight
Florida's no-income-tax status has attracted major financial services operations from New York and Chicago. Jacksonville hosts a large Bank of America operations hub and a major Fidelity National Financial presence. A finance worker filing single on $90,000 keeps about $7,712 a year more than on the same salary in New York City, where state and city income tax apply, while enjoying lower housing costs.
Jacksonville local economy & job market
Jacksonville's economy is anchored by financial services, healthcare, military, and logistics. The city is one of the largest US financial back-office centers: Bank of America has a large Jacksonville campus, Fidelity National Financial a major presence and Deutsche Bank an operations hub. Mayo Clinic Florida (Jacksonville) is a major regional medical destination and employer. Naval Station Mayport and NAS Jacksonville are major Navy installations with large active-duty and civilian workforces. CSX Transportation is a major Jacksonville employer. JAXPORT (the seaport) drives logistics employment for shipping, distribution, and import/export companies. Jacksonville is the largest US city by area in the contiguous 48 states (about 875 square miles, counting water), giving the metro a unique mix of beach communities, urban core, and inland suburbs all within city limits.
Top employers & industries in Jacksonville
Major employers
- Mayo Clinic Florida
- Bank of America (ops hub)
- Fidelity National Financial
- Naval Station Mayport
- Baptist Health
Key industries
- Healthcare
- Finance & Insurance
- Military & Defense
- Logistics & Distribution
What jobs pay in the Jacksonville area
Annual wages across the Jacksonville, FL metro area from the Bureau of Labor Statistics (May 2025). Half of the workers in each job earn between the two figures in the middle column. Bonuses paid as wages are included; stock awards and self-employment are not.
| Occupation | Middle half earns | Median |
|---|---|---|
| All occupations | $36,860 – $77,600 | $48,830 |
| Registered Nurses | $78,810 – $100,210 | $83,520 |
| Software Developers | $101,540 – $159,250 | $130,330 |
| Accountants and Auditors | $63,240 – $102,120 | $79,960 |
| Elementary School Teachers, Except Special Education | $55,380 – $79,160 | $61,080 |
| Electricians | $47,620 – $61,440 | $58,280 |
| Heavy and Tractor-Trailer Truck Drivers | $44,960 – $65,330 | $55,630 |
| Retail Salespersons | $29,570 – $37,100 | $34,360 |
| Logisticians | $60,930 – $103,380 | $80,230 |
| Financial and Investment Analysts | $65,910 – $124,350 | $89,880 |
Source: BLS Occupational Employment and Wage Statistics, May 2025, for the whole metro area. Use the calculator above for take-home pay at any of these salaries.
Jacksonville housing market
Jacksonville offers among the most affordable beachside metro housing in the US. The median value of owner-occupied homes in the city was $325,300 in 2024, as owners estimate it (Census Bureau). Beach communities (Atlantic Beach, Neptune Beach, Jacksonville Beach) command premium pricing, with oceanfront homes far above the city median. Ponte Vedra Beach (south of Jax) is the high-end golf-and-resort enclave. Suburbs like Mandarin (south), Westside, and Northside offer more moderately priced family homes. Property taxes are moderate: the median property tax bill is $2,497, about 0.8% of the median home value, against 1.3% for Texas (Census Bureau, 2024). Hurricane risk is moderate (Atlantic hurricanes typically weaken before reaching North Florida). New construction is heavy in Nocatee and World Golf Village (south) and along the I-295 corridor. Florida's homestead exemption (up to $50,000 off a primary residence's taxable value) and Save Our Homes assessment cap (3% a year, or the change in the Consumer Price Index if less) provide significant protection for primary residences.
Commute & transportation in Jacksonville
Jacksonville is the largest city by area in the contiguous US, making it very car-dependent. JTA (Jacksonville Transportation Authority) operates buses and the Skyway automated people mover downtown. The mean one-way commute was 26 minutes in 2024 (Census, workers who don't work from home). I-95 and I-10 are the main arteries. No toll roads for most city-to-suburb trips.
Notable neighborhoods in Jacksonville
Jacksonville tax nuances you should know
Florida's no-income-tax structure is constitutionally protected, even more entrenched than Texas. Florida's 6% state sales tax plus Duval County's 1.5% surtax make 7.5% in Jacksonville. Property tax is the offset, but Florida's is well below Texas's: the median property tax bill is about 0.8% of the median home value in Florida, against 1.3% in Texas (Census Bureau, 2024). The Florida Save Our Homes amendment caps annual increases in a primary residence's assessed value at 3% or the change in the Consumer Price Index, whichever is less, providing strong long-term protection vs reassessment shocks. The homestead exemption takes up to $50,000 off a primary residence's taxable value. Active-duty military stationed at NAS Jacksonville or Mayport benefit fully from no state income tax. Federal civilian workers at military bases get locality pay. Florida has no estate tax, no inheritance tax, no Social Security tax, and no tax on retirement distributions, making it especially attractive for retirees. Hurricane insurance and flood insurance can add substantially to homeowner costs depending on flood zone.
Jacksonville paycheck & tax tips
- Maximize pre-tax deductions: 401(k) contributions (up to $24,500 in 2026), HSA ($4,400 single / $8,750 family), FSA ($3,400) and commuter benefits (up to $340/month) all reduce your taxable income before federal income tax is calculated.
- Check your W-4 withholding: After major life changes (marriage, a new dependent, second job), update your W-4 to avoid owing a large tax bill or over-withholding. Use our W-4 Calculator to find the right allowances.
- Pay frequency matters: Bi-weekly earners get 26 paychecks per year (2 months with 3 paychecks). Budget based on monthly income, not per-paycheck amount, to avoid surprises in 3-paycheck months.
- Track FICA limits: Social Security (6.2%) only applies to the first $184,500 of wages in 2026. Once you cross that threshold, your paycheck increases by roughly 6.2% for the rest of the year, plan ahead if you depend on that boost.
- Self-employed in Jacksonville? You owe the full 15.3% self-employment tax (employee + employer FICA portions) instead of 7.65%. The calculator above shows employee-side FICA, self-employed workers should add the employer half when budgeting.
Who should move to Jacksonville?
Jacksonville fits well for: financial services back-office workers (BofA, Deutsche Bank, Fidelity National all hire heavily); military families with assignments at NAS JAX or Mayport; remote workers seeking beach access at affordable prices; retirees attracted to Florida's no-tax-on-retirement structure plus North Florida's milder climate vs Miami; first-time homebuyers who want a major metro at affordable prices. Less ideal for: high-paying tech careers (limited tech presence vs Austin or Seattle); those who dislike heat and humidity (subtropical with 90°F+ summers); anyone needing strong public transit (JTA is bus-only). Jacksonville's low cost + ocean access + no state tax make it one of the most underrated US cities for value-conscious professionals.
Jacksonville paycheck frequently asked questions
How much take-home pay does a $70,000 salary provide in Jacksonville?
A single filer earning $70,000 in Jacksonville takes home about $58,075 a year after federal income tax and FICA. Florida has no state income tax, so no additional deduction applies. Bi-weekly take-home is about $2,234.
Is Jacksonville a major financial services hub?
Yes, Jacksonville is one of the largest back-office financial services cities in the US. Bank of America, Deutsche Bank, Fidelity National Financial, EverBank, and Crowdstrike all have major operations here. The no-state-tax environment and lower real estate costs vs New York or Boston attract firms to relocate operations.