Is it cheaper to live in Annapolis or Jacksonville?

Jacksonville, FL is cheaper. Its monthly baseline of $1,320 (1BR rent + utilities) runs about 27% below Annapolis, MD's $1,820, mainly because of rent.

How much more do you need to earn to live in Annapolis than in Jacksonville?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $64,000 a year in Annapolis versus $46,000 in Jacksonville.

Which has lower taxes, Annapolis or Jacksonville?

Annapolis is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Jacksonville under Florida's (no state income tax and a 6% state sales tax).

Annapolis vs Jacksonville Cost of Living 2026

Annapolis

Maryland

$1,820/mo est.

Jacksonville

Florida

$1,320/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,820 in Annapolis, MD versus $1,320 in Jacksonville, FL. Overall, Jacksonville, FL is roughly 27% cheaper to live in day-to-day than Annapolis, MD, driven mainly by rent.

Median household income is $104,257 in Annapolis, MD and $66,981 in Jacksonville, FL — about 36% higher in Annapolis, MD. Maryland has a top state income tax rate of 6.50% and a 6% state sales tax; Florida has no state income tax and a 6% state sales tax.

Annapolis, MD

Jacksonville, FL

Rent

Studio

$1,239

$1,127

+9% in Annapolis, MD

1 Bedroom

$1,598

$1,146

+28% in Annapolis, MD

2 Bedroom

$1,864

$1,385

+26% in Annapolis, MD

3 Bedroom

$2,232

$1,545

+31% in Annapolis, MD

Buying a Home

Median Home Value

$510,200

$266,100

+48% in Annapolis, MD

Income

Median Household Income

$104,257

$66,981

+36% in Annapolis, MD

Metro Median Wage (annual)

$59,070

$48,830

+17% in Annapolis, MD

People & Lifestyle

Median Age

40.9 yr

36.4 yr

+4.5 yr in Annapolis, MD

Homeownership

59.8%

57.4%

+2.4 pp in Annapolis, MD

Bachelor's+ (25+)

53.7%

31.8%

+21.9 pp in Annapolis, MD

Avg Commute

28.7 min

24.1 min

+4.6 min in Annapolis, MD

Crime (per 100k/yr)

Violent Crime

806

558.4

+31% in Annapolis, MD

Property Crime

2,111.5

2,600.1

+23% in Jacksonville, FL

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

57.1°F

70.2°F

+13.1°F in Jacksonville, FL

Annual Precipitation

—

49.2 in

Gas

Regular Gasoline

$3.86/gal

$3.77/gal

+2% in Annapolis, MD

Area: East Coast (PADD 1) vs Florida.

Public Transit

Base Fare (one-way)

—

$1.75

Adult base one-way fare — — vs JTA (2026).

Utilities

Electricity (¢/kWh)

21.8

15.2

+30% in Annapolis, MD

Natural Gas ($/MCF)

$18.94

$23.62

+25% in Jacksonville, FL

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.00

about equal

Bread (lb)

$1.75

about equal

Eggs (doz)

$2.21

about equal

Ground Beef (lb)

$6.45

about equal

Chicken (lb)

$1.90

about equal

Bananas (lb)

$0.62

about equal

Average prices — South vs South (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (MD / FL)

about equal

Income Tax (top rate)

6.50%

None

+6.5 pp in MD

Annapolis vs Jacksonville — FAQ

Is it cheaper to live in Annapolis or Jacksonville?: Jacksonville, FL is cheaper. Its monthly baseline of $1,320 (1BR rent + utilities) runs about 27% below Annapolis, MD's $1,820, mainly because of rent.
How much more do you need to earn to live in Annapolis than in Jacksonville?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $64,000 a year in Annapolis versus $46,000 in Jacksonville.
Which has lower taxes, Annapolis or Jacksonville?: Annapolis is taxed under Maryland's rules (a top state income tax rate of 6.50% and a 6% state sales tax); Jacksonville under Florida's (no state income tax and a 6% state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).