Tampa - FL vs Jacksonville - FL: 2026 Housing Comparison

What this means for buyers

Tampa - FL is roughly 2% more expensive than Jacksonville - FL in typical home value. Homes sit on market longer in Jacksonville - FL (49 days vs 41), suggesting more buyer leverage there.

Tampa vs Jacksonville: what the numbers say

At today's 7.40% average 30-year rate with 20% down, the typical home would cost about $1,977 a month in principal and interest in Tampa and $1,942 in Jacksonville, a gap of $35 a month.

Typical rent runs $1,991 in Tampa and $1,680 in Jacksonville, so the mortgage payment alone is 1.0 times rent in Tampa and 1.2 times rent in Jacksonville, before taxes and insurance.

Home prices are 14.9 years of rent in Tampa and 17.4 in Jacksonville; the lower ratio in Tampa means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -6.8% in Tampa and -3.3% in Jacksonville; over just the last three months the change was -0.0% in Tampa and +0.1% in Jacksonville.

Homes sell for 97.0% of list price in Tampa and 96.8% in Jacksonville, after 41 and 49 days on the market, with price cuts on 31% and 29% of listings. The signs are mixed: Tampa has more price cuts, while Jacksonville has longer time on the market and sales further below list.

The number of homes for sale is down 7% on a year ago in Tampa and down 13% on a year ago in Jacksonville.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-15), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.