Jacksonville vs Tampa

Florida real estate investing comparison — 2026 data.

Metric

Jacksonville 🏆

Tampa

Median SFH Price	$248K	$415K
Average Cap Rate	6.8–7.5%	6.0–6.8%
Avg Monthly Cash Flow (20% down)	$280–$500	$180–$380
FHA House Hack Cost	~$9K–$12K down	~$15K–$18K down
Port Economy	Strong	Strong
Population Growth	2.8%/yr	2.5%/yr
Insurance Cost (avg SFH)	$2,200–$3,800/yr	$3,200–$5,500/yr
Property Tax Rate	~0.9%	~1.0%
Military Tenant Demand	Very High (NAS Jax)	Moderate (MacDill)
Appreciation Potential	Moderate	Strong

Jacksonville 🏆

Jacksonville is Florida's undisputed cash-flow king. Lower prices, lower insurance, lower taxes, and military demand create the best monthly income fundamentals in the state.

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Tampa

Tampa costs more but offers better appreciation dynamics and a more diversified economy. Best for investors who want income AND equity growth over a 5–10 year hold.

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