Cost of Living in Florida in 2025

In this comprehensive overview of the cost of living in Florida in 2025, we cover various aspects such as housing, utilities, transportation, groceries, healthcare, taxes, education, and childcare.

This guide also includes insights into major cities like Miami, Orlando, Tampa, Jacksonville, and St. Petersburg.

Overall Cost of Living Index

Florida’s cost of living index is 102.8, indicating that it’s approximately 2.8% higher than the national average of 100. This means that, on average, expenses in Florida are slightly above the U.S. average. However, costs can vary significantly depending on the city and lifestyle choices.

Housing and Rent

Housing costs in Florida vary widely across different cities. Here’s a breakdown of average monthly rents for various apartment sizes:

Apartment Size	Average Monthly Rent
Studio	$1,562
1-Bedroom	$1,693
2-Bedroom	$2,033
3-Bedroom	$2,466

For instance, cities like Miami and Orlando tend to have higher rental rates compared to other areas like Deland.

Utilities and Internet

Utility costs in Florida are slightly above the national average. The average monthly electricity bill is approximately $157, which is higher than the national average of $139. Internet services, offering speeds of 60 Mbps or more, typically cost around $70.91 per month.

Transportation

Transportation expenses in Florida encompass fuel, public transit, and vehicle maintenance. Gasoline prices average around $3.32 per gallon. Public transportation is available in major cities, with monthly passes costing approximately $65.

Groceries and Dining

Grocery prices in Florida have experienced a notable increase, with a 4.3% rise between March 2024 and March 2025. The average monthly food budget is estimated as follows:

Household Size	Average Monthly Food Cost
1 Person	$287.27
2 People	$574.54
3 People	$861.81

Dining out remains a popular option, with average meal costs as follows:

These expenses highlight the importance of budgeting for food-related costs, especially given recent price increases in essential items.

Healthcare Expenses

Healthcare costs in Florida have been on the rise. In 2025, the average annual premium for individual coverage reached $8,377. This increase underscores the need for adequate health insurance and financial planning. It’s also important to consider out-of-pocket expenses for services such as doctor visits, dental care, and prescription medications. If you’re facing unexpected healthcare bills, exploring a Florida loan services might help manage short-term financial needs.

Taxes in Florida

Florida’s tax structure offers certain advantages:

• State Income Tax: None
• Sales Tax: 6%
• Property Tax: Effective rate of 0.79%

While the absence of state income tax is beneficial, property taxes have seen significant increases in recent years. Homeowners should also be aware of potential increases in property insurance premiums, especially in areas prone to natural disasters.

Education and Childcare

Childcare costs in Florida are a considerable expense for families. As of 2025, average costs are:

Childcare Type	Average Monthly Cost
Daycare	$2,421
Infant Care	$2,479

Florida is also home to several higher education institutions. Tuition and fees vary by institution, with public universities offering more affordable options for in-state students.

Entertainment and Leisure

Florida offers a variety of entertainment options, with costs varying by activity. For instance, general admission to popular theme parks can range from $70 to $150 per day. Residents should budget accordingly for leisure activities, including gym memberships, movie tickets, and cultural events. Additionally, Florida’s proximity to beaches and parks provides opportunities for low-cost or free recreational activities.

Frequently Asked Questions

What Is The Average Cost Of Living In Florida?

The average cost of living in Florida is approximately 2.8% higher than the national average, with variations depending on the city and lifestyle choices.

Which Florida Cities Are The Most Affordable?

Cities like Jacksonville and Tampa tend to have more affordable living costs compared to Miami and Orlando, which are known for higher housing and entertainment expenses.

How Does Florida’s Tax Structure Benefit Residents?

Florida’s lack of a state income tax and relatively low property tax rates can offer financial advantages to residents, especially retirees and remote workers.

Are Healthcare Costs In Florida Higher Than The National Average?

Yes, healthcare costs in Florida are slightly higher than the national average, with annual premiums for individual coverage reaching $8,377 in 2025.

What Are The Average Childcare Costs In Florida?

Childcare costs vary by city and type of care, but on average, families can expect to pay between $2,421 and $2,479 per month for daycare and infant care services.

Disclaimer: The above data is based on authoritative sources such as the U.S. Census Bureau, U.S. Bureau of Labor Statistics, Florida Department of Health, and other government agencies. For the most current and detailed information, please refer to the respective official websites.