Which powertrain is in your Jeep?
Our '95 has the 5.2, auto & quadratrac (natch - all you could get with the V8), 3.73 gears & towing pkg. We run close to the EPA estimates - 14/18. As low as 12 in town, up to over 20 highway. Go faster, mileage suffers. Also hills or headwinds will affect it. On a trip to the midwest last summer, did better on flat ground than in the Rockies.
Yours is probably about right. BTW I have a K&N replacement panel. Doubt if it helps mileage much, but I never need to buy another filter!
I think your driving habits will affect your mpg more than most simple mods. Also, keep your air pressure up & don't run big fat tires!
1995 5.2 ZJ Sold... but still in the family