Salary Needed to Live in Jacksonville as a Single
A single adult living independently needs approximately $56,622/year to live comfortably in Jacksonville, FL, including 10% savings.
Direct Answer
A single person needs about $56,622/year to live comfortably in Jacksonville, FL. The bare-minimum salary is $49,072/year, but the comfortable figure includes a 10% savings target and a monthly after-tax budget of $3,460.
The minimum scenario leaves about $3,067/mo after tax and no planned savings. The comfortable scenario uses $4,719/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$56,622
with 10% savings
Bare Minimum
$49,072
$4,089/mo gross, no savings buffer
Monthly Expenses
$3,067
14% below national avg
Detailed Monthly Budget for a Single in Jacksonville
| Expense | Jacksonville | Nat'l Avg | Diff |
|---|---|---|---|
| Studio/1BR Rent | $1,026 | $1,351 | -24% |
| Groceries | $265 | $207 | +28% |
| Utilities | $180 | $169 | +7% |
| Transportation | $285 | $316 | -10% |
| Car Insurance | $185 | $223 | -17% |
| Health Insurance | $507 | $672 | -25% |
| Internet | $62 | $65 | -5% |
| Phone | $82 | $85 | -4% |
| Dining & Social | $288 | $300 | -4% |
| Entertainment | $115 | $120 | -4% |
| Personal Care | $72 | $75 | -4% |
| Total Monthly | $3,067 | $3,583 | -14% |
How We Calculated the Salary
Monthly expenses:$3,067
Target savings (10%):$393/mo
Monthly after-tax needed:$3,460
Effective tax rate:25%
Gross annual salary needed:$56,622
What Drives the Salary Number?
Housing
$1,026
Studio/1BR rent is 33% of this monthly budget.
Taxes
25%
Estimated federal plus FL state tax reserve used to convert take-home needs into gross salary.
Savings target
10%
$393/mo is reserved for savings so the salary is not just break-even.
Local index
96/100
Jacksonville is below the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby south Cities
Salary Planning Checklist
- Keep studio/1br housing near $1,026/mo or adjust the salary target upward.
- Budget $619/mo for persona-specific costs such as Internet and Phone.
- Use $49,072/year as the survival floor and $56,622/year as the healthier negotiation target.
Other Household Types in Jacksonville
Related Pages
FAQ
What salary does a single person need in Jacksonville?
A single person needs approximately $56,622/year ($4,719/month gross) to live comfortably in Jacksonville with a 10% savings rate.
How much is rent for a single person in Jacksonville?
A studio/1br in Jacksonville costs approximately $1,026/month, which is the largest single expense at 33% of the total budget.
Is Jacksonville affordable for a single person?
Yes, Jacksonville is 14% more affordable than the national average for a single person.