Cost of Living in Florida

Compare housing, groceries, healthcare, transportation, and utilities across 50 Florida cities. All indices normalized to US average = 100.

FL Average COL

105

vs 100 US avg

Most Affordable

Ocala

COL: 84

Most Expensive

Naples

COL: 147

How Florida Compares to the US Average

Florida's overall cost of living index is approximately 105 compared to the national average of 100. While Florida has no state income tax — a significant financial advantage — housing costs in many coastal and metro areas have risen substantially since 2020.

The most affordable Florida cities (Ocala, Tallahassee, Lakeland) sit well below the national average. The most expensive (Miami Beach, Naples, Boca Raton) are 30–50% above it. Groceries and healthcare tend to be near the national norm statewide, while housing is the primary driver of COL variation.

Check What You Can Afford →Compare Cities Side-by-Side →

All Florida Cities — Sorted Cheapest to Most Expensive

50 cities

City	Overall COL	Housing	Groceries	Healthcare	Transport	Tier
Ocala Marion	84	84	93	93	91	Very Affordable
Tallahassee Leon	88	88	95	94	92	Very Affordable
Lakeland Polk	89	89	96	95	97	Very Affordable
Daytona Beach Volusia	89	89	96	95	97	Very Affordable
Gainesville Alachua	90	90	95	96	94	Very Affordable
Deltona Volusia	90	90	97	95	98	Very Affordable
Palm Bay Brevard	91	91	98	96	99	Below Average
Sanford Seminole	92	92	98	96	99	Below Average
Jacksonville Duval	93	93	97	96	98	Below Average
Melbourne Brevard	93	93	98	96	100	Below Average
Kissimmee Osceola	94	94	99	97	100	Below Average
Largo Pinellas	94	94	98	97	100	Below Average
Clearwater Pinellas	97	97	99	97	101	Below Average
Fort Myers Lee	98	98	99	98	102	Below Average
Port St. Lucie St. Lucie	98	98	100	98	101	Below Average
Orlando Orange	99	99	101	98	102	Below Average
Homestead Miami-Dade	99	99	100	97	103	Below Average
St. Petersburg Pinellas	100	100	100	99	101	Below Average
Cape Coral Lee	100	100	100	98	103	Below Average
Lauderhill Broward	100	100	102	99	106	Below Average
Tamarac Broward	100	100	102	99	106	Below Average
Tampa Hillsborough	101	101	101	99	103	Near Average
Bradenton Manatee	101	101	100	98	103	Near Average
Margate Broward	102	102	101	99	105	Near Average
Miami Gardens Miami-Dade	103	103	103	100	107	Near Average
Deerfield Beach Broward	103	103	102	100	106	Near Average
Boynton Beach Palm Beach	104	104	102	100	105	Near Average
Hialeah Miami-Dade	105	105	102	99	107	Near Average
Sunrise Broward	105	105	103	100	107	Near Average
Coconut Creek Broward	106	106	104	101	107	Near Average
Pembroke Pines Broward	107	107	104	100	108	Near Average
Pompano Beach Broward	108	108	103	100	108	Near Average
Miramar Broward	108	108	104	100	108	Near Average
North Miami Miami-Dade	108	108	103	100	108	Near Average
Hollywood Broward	109	109	103	100	107	Near Average
Coral Springs Broward	110	110	105	101	108	Near Average
West Palm Beach Palm Beach	112	112	105	102	108	Above Average
Plantation Broward	113	113	105	101	108	Above Average
Sarasota Sarasota	114	114	106	104	110	Above Average
Fort Lauderdale Broward	115	115	104	101	110	Above Average
Bonita Springs Lee	117	117	108	106	112	Above Average
Delray Beach Palm Beach	118	118	106	103	109	Above Average
Doral Miami-Dade	118	118	107	103	112	Above Average
Palm Beach Gardens Palm Beach	120	120	107	104	111	Above Average
Weston Broward	122	122	107	103	110	Above Average
Miami Miami-Dade	123	123	106	102	115	Above Average
Jupiter Palm Beach	124	124	107	104	111	Above Average
Boca Raton Palm Beach	128	128	108	104	112	Expensive
Miami Beach Miami-Dade	145	145	112	106	118	Expensive
Naples Collier	147	147	112	108	116	Expensive

COL indices are relative to US average (100). Housing index reflects median home price premium. Data updated 2026.