WhereCanIAfford › Take-home › Providence, RI vs Jacksonville, FL

Providence, RI vs Jacksonville, FL: cost of living on $120,000

Jacksonville, FL +$15,781/yr On $120,000, Providence, RI leaves $56,989/yr in pocket vs Jacksonville, FL's $72,770 — after state income tax and housing.

Where the money goes

On $120,000Providence, RIJacksonville, FL
Federal + FICA (est.)$29,580$29,580
State income tax$7,188 (5.99%)$0 (0%)
After-tax income$83,232$90,420
− Housing/yr (Zillow)$26,243$17,650
Real money in pocket$56,989$72,770

· State tax: Tax Foundation, “State Individual Income Tax Rates and Brackets, 2025” + state revenue departments. Modeled as an effective planning rate for a typical $80k–$160k filer — not a full bracket engine. · Housing from Zillow ZHVI 2026-05.

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FAQ

Is Providence, RI or Jacksonville, FL cheaper?
On $120,000, Jacksonville, FL — by $15,781/yr in real take-home.
What's the biggest driver?
State income tax (Rhode Island 5.99% vs Florida 0%) and housing cost.

See also: FIRE in Providence, RI · salary to buy in Providence, RI · compare other cities →

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