What Software Developers earn in Duval County, FL
According to the latest federal wage data for the Jacksonville, FL metropolitan area, the median pay for Software Developers in Duval County, FL is $130,330 a year, or $62.66 an hour. After federal income tax, Social Security, Medicare (and no state income tax), the paycheck shrinks to $100,014 a year, and rent, food and energy take another bite. The sections below walk through each step with the actual math for Duval County, FL.
The mean wage is $130,520, which is 0.1% above the median, so pay is spread fairly evenly. The survey counts about 7,200 people working in this occupation across the Jacksonville, FL metropolitan area, so the estimate rests on a substantial pool of workers. Duval County, FL has roughly 1,023,153 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Software Developers in the Jacksonville, FL metropolitan area is not one number. The lowest-paid tenth of workers earn up to $80,720 a year ($38.81 an hour), while the highest-paid tenth earn $170,580 or more ($82.01 an hour). That is a gap of $89,860 between the bottom and the top of the scale. The middle half of workers falls between $101,540 at the 25th percentile and $159,250 at the 75th percentile. A top-tier earner makes 2.1 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Employers quote this occupation by the hour or by the year, so here are both: $62.66 an hour or $130,330 a year at the median for Duval County, FL. Before any deductions, that is $10,861 a month, $5,013 every two weeks and $2,506 each week. After taxes the same job pays $48.08 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Software Developers
The U.S. Department of Labor's O*NET database describes the work of Software Developers this way: "Research, design, and develop computer and network software or specialized utility programs. Analyze user needs and develop software solutions, applying principles and techniques of computer science, engineering, and mathematical analysis. Update software or enhance existing software capabilities. May work with computer hardware engineers to integrate hardware and software systems, and develop specifications and performance requirements. May maintain databases within an application area, working individually or coordinating database development as part of a team."
Core tasks recorded by O*NET include: "Analyze information to determine, recommend, and plan installation of a new system or modification of an existing system"; "Analyze user needs and software requirements to determine feasibility of design within time and cost constraints"; "Confer with data processing or project managers to obtain information on limitations or capabilities for data processing projects"; "Confer with systems analysts, engineers, programmers and others to design systems and to obtain information on project limitations and capabilities, performance requirements and interfaces".
Job outlook for Software Developers
The Bureau of Labor Statistics projects national employment in this occupation to grow from 1,717,800 jobs in 2025 to 1,892,600 in 2035, a change of +10.2%, faster than the 3.5% projected for all occupations. The projection counts 95,300 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 5.5% of current employment each year.
Typical entry-level education: bachelor's degree. BLS lists a national median annual wage of $135,980 for this occupation; the Duval County, FL median of $130,330 is 4.2% below it.
How pay in Duval County, FL compares
Compared with the Florida average
Pay for Software Developers in Duval County, FL is in line with the statewide figure: $130,330 locally against an employment-weighted Florida average of $130,050, a difference of only $280 (0.2%). Within Florida, the highest median we track for this job is $132,650 in Miami-Dade County, FL.
Compared with the national average
The national employment-weighted average for Software Developers is $146,295 across the contiguous United States. At $130,330, Duval County, FL pays $15,965 less, which is 10.9% below that benchmark. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Duval County, FL
Among the 511 occupations with published wages in Duval County, FL, Software Developers ranks number 33 by median pay, ahead of about 94% of them. The best-paying occupation we track here is General and Operations Managers at $100,870 a year, which is $29,460 less than the median for Software Developers.
From gross pay to take-home pay
Three separate tax bills sit between the gross salary and the bank account: federal income tax, FICA, and state income tax. For Software Developers earning the Duval County, FL median of $130,330, they add up to $30,316. The result is $100,014 of take-home pay a year ($8,334 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $23 goes to taxes and $77 reaches the paycheck. The overall effective tax rate is 23.3%.
Federal income tax
After the $15,750 standard deduction, taxable income is $114,580. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 24% bracket. The resulting federal income tax is $20,346, an effective 15.6% of gross pay, well below the 24% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $8,080 on this salary. Medicare takes 1.45%, or $1,890. FICA totals $9,970, which is 7.7% of gross pay.
State income tax in Florida
Florida does not tax wage income, so the state income tax line for Software Developers in Duval County, FL is $0. That alone leaves more in the paycheck than the same salary would in a state with an income tax. For scale, a hypothetical flat 5% state tax on this salary would cost about $6,517 a year, so the absence of a state tax is worth roughly $543 a month.
A cross-check with IRS data for Duval County, FL
IRS Statistics of Income data for Duval County, FL show an average adjusted gross income of $83,415 per return and an average effective federal income tax rate of 14.3% across all filers. Filers in the $100,000 to under $200,000 bracket, where this salary falls, paid an average of 11.4%, compared with the 15.6% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Duval County, FL
Take-home pay only means something next to what life costs. We price four basics for one adult in Duval County, FL: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $100,014 of take-home pay.
Rent
Housing is the largest line in most budgets. For Duval County, FL, HUD sets the Fair Market Rent for a one-bedroom unit at $1,421 a month ($17,052 a year), and at $1,694 for two bedrooms. For Software Developers, a one-bedroom absorbs 17.1% of take-home pay and 13.1% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 2.6% of gross pay for Software Developers in Duval County, FL. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Florida residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,494 a year and other home energy such as natural gas about $1,005, for $2,498 in total. Gasoline in Florida averages $3.08 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,427.
What is left over
Rent, food, energy and gasoline cost $24,414 a year in Duval County, FL. Subtract that from $100,014 of take-home pay and $75,600 remains, which is $6,300 a month of breathing room. That margin equals 58.0% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Duval County, FL
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Duval County, FL: property taxes, housing prices and the daily commute. The figures below are exact U.S. Census Bureau American Community Survey 2020-2024 5-year estimates for Duval County, FL, set beside the Florida and national medians.
Property taxes in Duval County, FL
Homeowners in Duval County, FL pay a median of $2,264 a year in real estate taxes, 17% below the Florida median of $2,730 and 27% below the U.S. median of $3,119. Against a median home value of $303,500, the median tax bill is 0.75% of that value (the ratio of the two county medians). For a worker paid the local Software Developers median of $130,330, a tax bill of that size would equal 1.7% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Duval County, FL
Renters in Duval County, FL pay a median gross rent of $1,475 a month in the Census survey, 12% below the Florida median of $1,669. HUD's Fair Market Rent for a one-bedroom apartment, which this site uses in the budget, is $1,421 a month; the two measures differ because the Census figure covers units of every size that renters already occupy, while the HUD figure is a one-bedroom benchmark. The median value of an owner-occupied home is $303,500, 15% below the Florida median of $359,000. Median household income is $71,277, 4% below the Florida median of $74,568, so a year of one-bedroom Fair Market Rent equals 23.9% of that income.
Commuting in Duval County, FL
Workers in Duval County, FL who travel to a workplace spend an average of 24.1 minutes each way, 14% below the Florida average of 28.0. For someone who commutes five days a week, that is 4.0 hours of round-trip travel every week, a cost the budget does not price. 16.0% of workers in Duval County, FL work from home, compared with 15.1% nationally, which removes the commute for them.
Can Software Developers afford to live in Duval County, FL?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $130,330 that ceiling is $3,258 a month. The one-bedroom Fair Market Rent of $1,421 is $1,837 under it, so rent fits the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $27.33 an hour; the median for Software Developers is $62.66, which is 129% above that mark. Another way to see it: at $48.08 of take-home pay an hour, a one-bedroom takes about 6.8 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,694 a month means $847 each. Compared with renting a one-bedroom alone, that saves $6,888 a year. With a roommate, the yearly margin after the basics becomes $82,488.
How fast you can save
At $6,300 a month of margin, building a $10,000 emergency fund would take about 2 months. Setting aside half of the margin stretches the same goal to about 4 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Software Developers pay in Duval County, FL
How much do Software Developers make per hour in Duval County, FL?
The median is $62.66 per hour, based on $130,330 a year over 2,080 hours. Hourly pay runs from about $38.81 at the 10th percentile to $82.01 at the 90th percentile.
How much do Software Developers take home after taxes in Duval County, FL?
After federal income tax, FICA, the median salary of $130,330 becomes $100,014 a year. That is $8,334 a month, $3,847 every two weeks or $1,923 a week.
How much tax do Software Developers pay in Duval County, FL?
Total taxes are $30,316 a year, an effective rate of 23.3%: $20,346 federal income tax, $9,970 FICA and no Florida income tax.
Do Software Developers earn more in Duval County, FL than elsewhere in Florida?
It is about the same. The local median of $130,330 is within 0.2% of the Florida average of $130,050.
Can Software Developers afford a one-bedroom apartment in Duval County, FL?
A one-bedroom costs $1,421 a month against take-home pay of $8,334, which is 17.0% of take-home pay. That meets the 30%-of-gross guideline, which allows up to $3,258 a month.
What is the monthly budget margin for Software Developers in Duval County, FL?
About $6,300 a month ($75,600 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $24,414 a year.
What hourly wage covers a one-bedroom in Duval County, FL at the 30% guideline?
$27.33 an hour for a full-time schedule, calculated as the $17,052 annual rent divided by 0.30 and by 2,080 hours. The median for Software Developers is $62.66.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Jacksonville, FL metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Florida rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.