{"id":24655,"date":"2026-04-28T15:04:31","date_gmt":"2026-04-28T15:04:31","guid":{"rendered":"https:\/\/incredipros.com\/?p=24655"},"modified":"2026-04-28T15:04:31","modified_gmt":"2026-04-28T15:04:31","slug":"cost-of-living-in-florida-in-2023","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24655","title":{"rendered":"Cost of Living in Florida in 2023"},"content":{"rendered":"
\n

So, you\u2019re dreaming of moving to Florida\u2014the home of Walt Disney World, Universal Orlando Resort, Kennedy Space Center and some of the country\u2019s most beautiful beaches!\n <\/p>\n

\n

Find expert agents to help you buy or sell a home.<\/p>\n<\/p><\/div>\n

But how expensive is the cost of living in Florida? That\u2019s a smart question to ask before you replace all your winter clothes with gallons of suntan lotion and head toward the Sunshine State.\n <\/p>\n

To learn if you can afford to live in Florida, you\u2019d have to compare the cost of living in your current city with the Florida city of your dreams. To help you make a confident decision, we\u2019ll show you how much Florida charges for \u201csuper fun\u201d grown-up stuff like housing, utilities, food and taxes.\n <\/p>\n

Let\u2019s hit the beach!\n <\/p>\n

What\u2019s the Average Cost of Living in Florida?<\/h2>\n

The average cost of living in Florida is very close to the national average\u2014just 3% higher. But while that percentage represents the\u00a0state<\/em>\u00a0average, there\u2019s a wide range in cost of living among individual cities in Florida, ranging from 7%\u00a0lower<\/em>\u00a0to 22%\u00a0higher<\/em>\u00a0in cost when compared to the average U.S. city.5<\/sup>\n <\/p>\n

So, let\u2019s take a look at the cost of living in some of the\u00a0best places to live in Florida.\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n

Florida City<\/strong>\n <\/p>\n<\/td>\n

\n

Cost of Living vs. the U.S. Average<\/strong>\n <\/p>\n<\/td>\n<\/tr>\n

\n

Daytona\n <\/p>\n<\/td>\n

\n

1% lower\n <\/p>\n<\/td>\n<\/tr>\n

\n

Tampa\n <\/p>\n<\/td>\n

\n

2% lower\n <\/p>\n<\/td>\n<\/tr>\n

\n

Orlando\n <\/p>\n<\/td>\n

\n

4% lower\n <\/p>\n<\/td>\n<\/tr>\n

\n

Fort Myers\n <\/p>\n<\/td>\n

\n

5% higher\n <\/p>\n<\/td>\n<\/tr>\n

\n

Sarasota\n <\/p>\n<\/td>\n

\n

5% higher\n <\/p>\n<\/td>\n<\/tr>\n

\n

Jacksonville\n <\/p>\n<\/td>\n

\n

7% lower\n <\/p>\n<\/td>\n<\/tr>\n

\n

Tallahassee\n <\/p>\n<\/td>\n

\n

7% lower\n <\/p>\n<\/td>\n<\/tr>\n

\n

Miami\n <\/p>\n<\/td>\n

\n

21% higher\n <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Where did those numbers come from? We looked at the 2024 Annual Cost of Living Index from The Council for Community and Economic Research.6<\/sup>\u00a0Unless otherwise stated, all the numbers in this article come from that index.\n <\/p>\n

To better understand these numbers, let\u2019s take a closer look at some of the most common individual categories of expenses: housing, utilities, groceries, transportation, health care, taxes, and miscellaneous goods and services.\n <\/p>\n<\/p><\/div>\n

\n

Housing<\/h3>\n

Let\u2019s start with housing costs. In March 2025, the median home price in Florida was $439,000\u2014a little over $14,000 (3%) higher than the national median of $424,900.7<\/sup>\n <\/p>\n

Unfortunately, rent prices in Florida aren\u2019t so close to the rest of the country. The median monthly rent for a two-bedroom apartment in Florida was $1,533\u2014nearly 12% higher than the national median of $1,370!8<\/sup>\n <\/p>\n

But remember, those numbers cover the entire\u00a0state<\/em>. Some cities in Florida will have cheaper housing than that, and some will have more expensive prices. To find the Florida city that fits your budget, check out the cost differences between these cities9,10<\/sup>:\n <\/p>\n\n\n\n\n\n\n\n\n
\n

Florida City<\/strong>\n <\/p>\n<\/td>\n

\n

Median Home Price<\/strong>\n <\/p>\n<\/td>\n

\n

Median Apartment Rent*<\/strong>\n <\/p>\n<\/td>\n<\/tr>\n

\n

Jacksonville\n <\/p>\n<\/td>\n

\n

$399,000\n <\/p>\n<\/td>\n

\n

$1,323\n <\/p>\n<\/td>\n<\/tr>\n

\n

Miami\n <\/p>\n<\/td>\n

\n

$512,000\n <\/p>\n<\/td>\n

\n

$2,134\n <\/p>\n<\/td>\n<\/tr>\n

\n

Orlando\n <\/p>\n<\/td>\n

\n

$419,800\n <\/p>\n<\/td>\n

\n

$1,645\n <\/p>\n<\/td>\n<\/tr>\n

\n

Pensacola\n <\/p>\n<\/td>\n

\n

$359,900\n <\/p>\n<\/td>\n

\n

$1,336\n <\/p>\n<\/td>\n<\/tr>\n

\n

Tampa\n <\/p>\n<\/td>\n

\n

$399,900\n <\/p>\n<\/td>\n

\n

$1,654\n <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

*Median rent prices based on cost of a two-bedroom apartment.<\/em><\/sup>\n <\/p>\n

Utilities<\/h3>\n

Utility costs like energy and phone use in Florida range from 16%\u00a0lower<\/em>\u00a0than the national average in Tallahassee to 7%\u00a0higher<\/em>\u00a0in Fort Myers. Daytona Beach is somewhere in the middle range among Florida cities for utility costs.\n <\/p>\n

Trust us, you\u2019re going to want to crank up the AC. They\u2019re not called the Miami Heat for nothing.\n <\/p>\n

\"\"\n <\/p>\n

Groceries<\/h3>\n

Grab your grocery cart\u2014we\u2019re headed to Publix! This popular Southeastern supermarket chain was founded and is headquartered in Florida, so there\u2019s a good chance you\u2019ll buy some oranges and key lime pies there if you move to the sunny state. Groceries in Florida range from just below the national average in Tallahassee to 11%\u00a0higher<\/em>\u00a0in Miami.\n <\/p>\n

\"\"\n <\/p>\n

Transportation<\/h3>\n

Rev up your engines! Florida transportation costs range from 13%\u00a0lower<\/em>\u00a0than the national average in Jacksonville to 6%\u00a0higher<\/em>\u00a0in Fort Myers.\n <\/p>\n

Since a car is the best way to get around in Florida, you\u2019ll want to keep transportation costs low by getting the right insurance coverage. Try bundling your auto insurance for a discount by talking to one of the\u00a0independent insurance agents\u00a0we recommend.\n <\/p>\n

\"\"\n <\/p>\n

Health Care<\/h3>\n

Florida health care costs range from 15%\u00a0lower<\/em>\u00a0than the national average in Jacksonville to 12%\u00a0higher<\/em>\u00a0in Fort Myers.\u00a0Here\u2019s a look at the typical bill for common medical expenses across the state.\n <\/p>\n\n\n\n\n\n\n\n\n
\n

Health Care Type<\/strong>\n <\/p>\n<\/td>\n

\n

Average Florida Cost<\/strong>\n <\/p>\n<\/td>\n

\n

Average U.S. City Cost<\/strong>\n <\/p>\n<\/td>\n

\n

Cost Difference<\/strong>\n <\/p>\n<\/td>\n<\/tr>\n

\n

General doctor\n <\/p>\n<\/td>\n

\n

\u00a0$140\n <\/p>\n<\/td>\n

\n

$144\n <\/p>\n<\/td>\n

\n

3% lower\n <\/p>\n<\/td>\n<\/tr>\n

\n

Dentist\n <\/p>\n<\/td>\n

\n

$118\n <\/p>\n<\/td>\n

\n

$117\n <\/p>\n<\/td>\n

\n

None\n <\/p>\n<\/td>\n<\/tr>\n

\n

Eye doctor\n <\/p>\n<\/td>\n

\n

$109\n <\/p>\n<\/td>\n

\n

$129\n <\/p>\n<\/td>\n

\n

16% lower\n <\/p>\n<\/td>\n<\/tr>\n

\n

Ibuprofen\n <\/p>\n<\/td>\n

\n

$11\n <\/p>\n<\/td>\n

\n

$11\n <\/p>\n<\/td>\n

\n

None\n <\/p>\n<\/td>\n<\/tr>\n

\n

Prescription drugs\n <\/p>\n<\/td>\n

\n

$21\n <\/p>\n<\/td>\n

\n

$20\n <\/p>\n<\/td>\n

\n

5% higher\n <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Taxes<\/strong><\/h3>\n

Can you guess how much income tax Florida charges?\u00a0Zilch, zip, nada, nothing!\u00a0<\/em>That\u2019s right, folks. The Sunshine State doesn\u2019t take any of the hard-earned money out of your paycheck or retirement income\u2014one of the many perks that make Florida such a\u00a0popular place to retire.\n <\/p>\n

Keep in mind, Florida still has a state sales tax rate of 6%\u2014or 6.95% if you include its average local tax rate.\u00a0That\u2019s not too bad, though, considering the percentage is only the 28th highest in the country for total sales tax.11<\/sup> Florida also has the 28th highest property taxes.12<\/sup>\n <\/p>\n

But there\u2019s a downside: Florida has one of the highest taxes in the country on cell phone use and gas\u2014along with some other special taxes.13<\/sup>\u00a0If all this tax talk makes you feel dizzy, don\u2019t worry. You can find out exactly how\u00a0moving to Florida\u00a0will impact your taxes by connecting with one of our\u00a0trusted tax advisors.\n <\/p>\n

\"\"\n <\/p>\n

Miscellaneous Goods and Services<\/h3>\n

Miscellaneous costs refer to a wide range of goods and services, including things like common restaurant foods, clothing, entertainment, activities and personal care. In Florida, these costs range from 6%\u00a0lower<\/em>\u00a0than the national average in Tampa to 7%\u00a0higher<\/em>\u00a0in Miami.\n <\/p>\n

Daytona falls right in the middle of Florida cities for miscellaneous costs. In Daytona, the typical resident can order a pizza for $12, get a haircut for $18, and buy a new shirt for $38. For reference, those prices are $12, $26 and $38 for the average U.S. city.\n <\/p>\n

\"\"\n <\/p>\n

How Much Do You Need to Live Comfortably in Florida?<\/h2>\n

In Florida, the median household income is $71,711.14<\/sup>\u00a0But if you make that much, it doesn\u2019t automatically mean you can afford to live\u00a0anywhere<\/em>\u00a0in Florida\u2014at least not comfortably. If you want to live comfortably in the Sunshine State, first make sure you can afford your biggest expense: housing.\n <\/p>\n

Whether you\u00a0decide to rent or buy\u00a0in your new city, stick to the\u00a025% rule\u2014never move into a home that comes with a monthly payment bigger than 25% of your monthly take-home pay. For home buyers getting a mortgage, that 25% limit includes property taxes, homeowners insurance, homeowners association (HOA) fees and private mortgage insurance.\n <\/p>\n

Why 25%? Anything more and you won\u2019t have enough money left in your budget to put toward other important financial goals, like\u00a0saving for retirement. You can use our free\u00a0Mortgage Calculator\u00a0to get a good idea of which home prices would fit within your budget.\n <\/p>\n

Compare the Cost of Living in Florida With Your Current City<\/h3>\n

Now you know the cost of living in Florida\u2014but can you afford it? If you want to be sure, try our free\u00a0Cost of Living Calculator\u00a0to determine how much more or less expensive it would be for you to live in the Florida city that\u2019s calling your name.\n <\/p>\n

What should you do if you\u00a0can\u2019t afford the housing market\u00a0in Florida but you still want to move there? Try one of these ideas:\n <\/p>\n

Ready to Move to Florida?<\/h2>\n

If you\u2019re able to afford living in Florida, congrats! The next step on your relocation journey is to\u00a0handle your housing. For an instant way to find real estate agents we trust in Florida and your current city, try our RamseyTrusted\u00ae<\/sup> program. We only recommend top agents who are on a mission to help you.\n <\/p>\n

\u00a0\n <\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

So, you\u2019re dreaming of moving to Florida\u2014the home of Walt Disney World, Universal Orlando Resort, Kennedy Space Center and some of the country\u2019s most beautiful beaches! Find expert agents to help you buy or sell a home. But how expensive is the cost of living in Florida? That\u2019s a smart question to ask before you<\/p>\n","protected":false},"author":1,"featured_media":24656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24655","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"\nCost of Living in Florida in 2023 | IncrediPros<\/title>\n<meta name=\"description\" content=\"So, you\u2019re dreaming of moving to Florida\u2014the home of Walt Disney World, Universal Orlando Resort, Kennedy Space Center and some of the country\u2019s most\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=24655\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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