Chatham, NY vs Jacksonville, NY

Chatham is moderately more affordable than Jacksonville, with a 5.9% lower cost of living index. Chatham scores 93 compared to 98 for Jacksonville, where the US average is 100. This difference means residents of Jacksonville can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Chatham is $1,034/month compared to $1,583/month in Jacksonville — a 35% difference. Interestingly, home values tell a different story: while Chatham has cheaper rent, Jacksonville actually has lower median home values ($190,600 vs $306,300).

Median household income in Chatham is $86,625 compared to $60,000 in Jacksonville (+44.4%). Chatham offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Chatham spend roughly 14.3% of their income on rent, less than the 31.7% in Jacksonville. The Chatham ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.

Climate-wise, both cities share similar average temperatures (46.1°F vs 45.2°F). Chatham receives more rainfall at 44.2" per year compared to 41.7" in Jacksonville.