Is Jacksonville, FL, Affordable for Renters? [2025]

Yes, Jacksonville is affordable for renters in 2025, especially compared to fast-growing metros like Miami, Tampa, and Orlando. With an average overall rent price of $1,486 a month, Jacksonville renters pay about 20.0% less than the national average of $2,097. Many budget-friendly neighborhoods across the city offer rent prices below $1,300, and even newer or upscale areas still come in under statewide averages.

Thanks to a moderate cost of living, no state income tax, and a broad range of housing types, Jacksonville remains a strong choice for renters who want space, flexibility, and value.

What Are the Current Trends in Jacksonville’s Rental Market?

Jacksonville’s rental market has remained steady through mid-2025, bucking the statewide trend of sharp increases. While cities like Miami saw significant year-over-year spikes, Jacksonville rents held flat or declined slightly due to increased apartment supply in outer suburbs and Westside areas.

Landlords in less competitive areas are offering discounts, waived fees, and flexible lease terms again, and rent growth is expected to stay moderate through the end of the year.

Average Rent Prices in Jacksonville, FL

Here's a look at Jacksonville's average rent prices by apartment size, compared to national benchmarks (as of July 2025):

These savings percentages reflect how much cheaper Jacksonville's average rents are compared to major cities like Miami’s city average of $3,239 and Orlando’s average of $2,068 as of July 2025. Jacksonville’s apartments are typically cheaper in Westside and Northside neighborhoods, while pricier one-bedrooms tend to cluster near the Southside, Riverside, and the Beaches.

What Is the Average Rent of a One-Bedroom Apartment in Jacksonville?

As of July 2025, the average one-bedroom apartment in Jacksonville costs $1,456 per month, 17.4% below the national average of $1,762. Renters can find significantly lower prices in neighborhoods like Arlingwood, Arlington Hills, and Duclay, where one-bedroom units average $1,350 or less.

What Is the Average Rent of a Two-Bedroom Apartment in Jacksonville?

The typical two-bedroom apartment in Jacksonville goes for $1,723, which is 21.8% below the national average of $2,202. While some Southside and Riverside units exceed $2,000, renters can find more affordable options in neighborhoods like Baymeadows and Windy Hill, where prices dip closer to $1,500.

How Much Rent Can I Afford in Jacksonville, FL?

Wondering what fits your budget in Jacksonville? Here’s how the city stacks up using the most common affordability guidelines:

The 30% Rule

If you want to stay on track to pay your bills, the 30% rule says you should spend no more than 30% of your gross monthly income on rent. To comfortably afford the average one-bedroom rent of $1,456 in Jacksonville, you'd need to earn at least $4,868.33 a month, or about $58,420 per year.

The 50/30/20 Rule

The 50/30/20 budgeting method suggests allocating 50% of your take-home pay to essentials. This does not mean allocating the full 50% to rent alone—this portion of your income must also cover necessities like groceries, utilities, and transportation. The remaining half of your income can be divided into two parts: 30% for wants, like dining out, shopping and travel; and 20% for building savings or paying down debt.

The 3x Rent Rule

Landlords often use the “3x rent” rule, which requires prospective tenants to prove that their monthly income is at least three times the rent. For a $1,456 apartment, that works out to $4,368 per month, or $52,416 per year. If your income falls slightly short, you may still qualify by offering a higher security deposit or securing a co-signer.

How Does the Overall Cost of Living in Jacksonville Compare?

Jacksonville’s cost of living is roughly the same as the national average and 3.1% lower than the Florida average, according to BestPlaces. Here's how it compares to other U.S. cities:

Jacksonville ranks as one of the most affordable large metros in Florida, with especially strong value in outer-ring neighborhoods.

*Cost of living data is sourced from Sperling’s BestPlaces.

How Does the Cost of Renting Vary by Neighborhood in Jacksonville?

Where you live in Jacksonville can make a big difference in how much you spend on rent. Here's how some of the city’s neighborhoods compare.

Rent in Jacksonville’s Cheapest Neighborhoods

If you’re looking to stretch your budget, these affordable neighborhoods offer the lowest average rents in Jacksonville. Many are located on the Westside, where space is more abundant and prices stay below the city average. While you may have to trade off walkability or trendy amenities, these areas provide solid value.

Arlingwood

Arlingwood is a quiet, residential neighborhood with tree-lined streets and a laid-back suburban feel. It’s a go-to for renters who want low prices without feeling too far removed from city conveniences. You’ll find single-family homes and modest apartment complexes here, plus easy access to Interstate 295 and Atlantic Boulevard for quick commutes to Downtown or the Beaches. Renters who prioritize peace and affordability over nightlife will feel right at home.

Arlington Hills

Situated east of Jacksonville University, Arlington Hills blends suburban calm and urban access. Families appreciate the proximity to parks, local schools, and the university, while students and young professionals benefit from more space for the price. It’s a practical choice with decent commute times to Downtown, the Beaches, and Southside shopping centers. Renters can expect larger floor plans and quieter streets, all at well below the city’s average rent.

Duclay

Duclay is a popular Westside option for renters seeking room to spread out without stretching their budgets. This area features older, more spacious apartment communities and single-family rentals that offer solid value. It’s especially attractive to families and long-term tenants who want suburban living with fewer crowds. With close access to Interstate 295 and Blanding Boulevard, Duclay makes for easy commuting and convenient shopping without the high prices of the Urban Core.

Baymeadows

Baymeadows is a budget-friendly pocket of Southside Jacksonville, where affordability meets convenience. While the area features a mix of newer and older developments, rents remain relatively low thanks to the high supply. Professionals choose to live here for the proximity to jobs in Deerwood and Southpoint, while others appreciate the quick access to St. Johns Town Center and Interstate 95. If you’re after a balance between cost, commute, and comfort, Baymeadows delivers.

Windy Hill

Located just off Southside Boulevard, Windy Hill blends suburban convenience with modern living. Renters here enjoy quick access to St. Johns Town Center, Interstate 95, and Downtown, all without paying top-tier Southside prices. The area features a mix of newer apartment communities and renovated townhomes with updated amenities. If you’re looking for central access, newer finishes, and a price point just slightly above average, Windy Hill delivers strong value.

Rent in Jacksonville’s Most Expensive Neighborhoods

Some of Jacksonville’s higher-rent neighborhoods are located near the Southside and East Arlington, where renters pay a premium for larger homes, newer developments, and easier access to jobs and shopping. While not the most expensive areas citywide, these neighborhoods sit above or just below the city average.

Greenland

Greenland sits in southern Duval County and stands out for its newer housing stock, top-rated schools, and family-friendly atmosphere. It’s become a go-to for renters seeking space, safety, and quick highway access via Interstate 295 or Old Saint Augustine Road. Homes and apartments here often come with upgraded finishes and garages, but rents remain more affordable than neighboring master-planned communities.

Deercreek

Deercreek is situated in Southside, which offers cul-de-sac living, nature trails, and a more private, upscale atmosphere. Rentals in this area include well-maintained townhomes and larger single-family homes, often in gated communities. It's ideal for renters who value peace and quiet while staying close to major employment hubs like Flagler Center and Baptist Medical Center South.

East Arlington

East Arlington offers larger rental layouts at prices that still rival Jacksonville’s priciest areas. This neighborhood is a popular choice for roommates, young families, and students looking for extra space. While it’s largely residential, its location between the Beaches and Downtown means you're never far from work or play. Renters appreciate the balance between square footage and commute convenience.

Are Utilities and Other Expenses Affordable in Jacksonville?

Yes, utilities in Jacksonville are moderately priced compared to other major cities in Florida. However, you might see a spike in your energy bills during the hot summer months.

Average Utility Costs in Jacksonville

• Electricity: Expect higher costs in summer months due to AC use.
• Water/gas: Slightly above the national average, but below most of Florida.
• Internet: $60 to $80 per month.
• Car insurance: Higher than average; Florida is among the most expensive states.
• Parking: Typically included, except in Downtown or beachside areas.

How Does Rent Vary by Neighborhood in Jacksonville?

Which Jacksonville neighborhood you choose makes a big difference in monthly rent. Here's a breakdown of the most affordable areas.

Average Rent in Jacksonville by Neighborhood

What’s a Comfortable Salary for Renting in Jacksonville?

To afford the average one-bedroom at $1,456, a comfortable salary would be around $58,240 per year, assuming 30% of income goes to rent. The MIT Living Wage Calculator estimates a livable wage in Jacksonville at about $23.31 per hour, or $48,484.80 per year for a single adult without children, which means renters earning around $50,000 can still find plenty of affordable housing options, especially outside the Urban Core.

Are There Hidden Costs to Renting in Jacksonville?

Yes, while rent in Jacksonville, Florida, may be lower than the average, there are extra expenses to keep in mind for your new apartment, including:

• Application/admin fees: $50 to $150, sometimes per adult.
• Security deposit: Typically one month’s rent.
• Pet fees: $250 to $500 nonrefundable, plus a $10 to $35 monthly pet rent.
• Renters insurance: $15 to $25 per month.
• Parking fees: Often included, but gated or reserved parking can add $50 to $100 per month.
• Move-in costs: Budget $300 to $900 for local moves (truck rental, movers, supplies).

What Are the Best Ways to Save on Rent in Jacksonville?

If you’re looking to save on rent in Jacksonville, here are some tips to consider.

1. Look at Westside and Arlington: These areas offer the biggest rent discounts while staying under 30 minutes from Downtown.
2. Lease in winter months: Renters often find better deals between October and January.
3. Negotiate for concessions: Ask about free months, waived admin fees, or parking discounts.
4. Split a larger unit: Two-bedroom apartments are often more cost-effective when shared.
5. Track new construction: As more supply hits the market, prices drop temporarily.
6. Take the Apartment List quiz: Get matched with listings that fit your budget, timeline, and must-haves.

Find an Apartment in Jacksonville, FL

Ready to make your move? With a wide range of price points, housing types, and commute options, Jacksonville offers renters real value in 2025, especially in neighborhoods like Arlingwood, Baymeadows, and Windy Hill. Whether you're downsizing, relocating for work, or seeking more space on a budget, Jacksonville delivers flexibility without the sticker shock of pricier Florida cities.

Use Apartment List’s personalized quiz to match with listings that fit your needs, timeline, and price point. With us, you’ll spend five minutes and save 50 hours searching.

FAQs: Is Jacksonville Affordable for Renters?

Is it cheaper to rent or buy in Jacksonville, FL?

Renting is typically more affordable than buying a home in Jacksonville. The median home price exceeds $360,000, and buyers face added costs like property taxes, insurance, maintenance, and down payments. Renting provides more flexibility and lower upfront costs, especially for short- to mid-term residents.

Are utilities included in rent for Jacksonville apartments?

No, most Jacksonville rentals require renters to pay separately for electricity, gas, water, and internet. Some properties may include water or trash service, but it’s important to ask what’s covered before signing your lease.

When is the best time to rent an apartment in Jacksonville?

The best time to rent in Jacksonville is during the offseason, from November through January. During these months, demand slows down, leading to lower rental rates, better unit availability, and increased move-in specials or waived fees.

Can I negotiate rent or fees with a Jacksonville landlord?

Yes, you can negotiate rent, especially in a slower market. Renters with strong credit or income may be able to negotiate lower rent, discounted deposits, waived admin fees, or rent concessions like a free month.

What can I do if I can’t afford rent in Jacksonville?

If rent is out of reach, consider applying for Jacksonville rental assistance programs, finding a roommate, or downsizing to a studio. Some neighborhoods still offer verified listings under $1,200 for a one-bedroom.

Does Jacksonville have rent control?

No, Jacksonville does not have rent control. Florida state law prohibits local governments from implementing rent control policies. However, the city does support some income-restricted and affordable-housing programs.

How much rent can I afford in Jacksonville, FL?

A good rule of thumb is to spend no more than 30% of your gross monthly income on rent. For example, if you earn $60,000 per year, your monthly rent budget should be around $1,500. Use tools like Apartment List's budgeting calculator to find your ideal price range.

What is a livable wage in Jacksonville for a renter?

According to the MIT Living Wage Calculator, a livable wage in Jacksonville for a child-free single adult is about $23.31 per hour, or roughly $48,500 annually. This covers basic expenses like housing, food, healthcare, and transportation without relying on public assistance.

Are furnished apartments common in Jacksonville?

Furnished apartments are available in Jacksonville but less common than unfurnished units. They’re typically found in short-term rentals, executive suites, or luxury developments. Expect to pay a premium for furnished spaces.

Do apartments in Jacksonville require renters insurance?

Many landlords in Jacksonville do require renters insurance as part of the lease. Even if not required, it’s highly recommended—most policies cost $15 to $25 per month and protect your belongings against theft, fire, and water damage.