Cost of Living in St. Petersburg, Florida in 2025

St. Petersburg, Florida—often called the “Sunshine City”—offers a vibrant coastal lifestyle with warm weather, stunning beaches, and a growing arts scene. But how much does it really cost to live here in 2025? Whether you’re considering relocating for work, retirement, or a change of scenery, it’s important to understand how far your money will go. Let’s break down the cost of living in St. Pete by category to give you a clear picture.​

Overall Cost of Living Index

St. Petersburg’s cost of living index is approximately 97.6% of the national average, making it a relatively affordable city in the U.S. This index considers various factors, including housing, utilities, transportation, healthcare, and more.​

Breakdown of Living Costs by Category

Housing and Rent

Housing is one of the most significant expenses in St. Petersburg. As of April 2025, the average rent for a one-bedroom apartment is approximately $1,771 per month, which is about 9% higher than the national average.

Housing Type	Average Monthly Rent
Studio Apartment	$1,597
1-Bedroom Apartment	$1,771
2-Bedroom Apartment	$2,228
3-Bedroom Apartment	$2,857

 

Neighborhoods like Downtown St. Petersburg tend to have higher rents, averaging around $3,392, while areas like Disston Heights offer more affordable options at approximately $1,462 per month. ​

Utilities and Internet

Utility costs in St. Petersburg are relatively moderate. On average, residents can expect to pay around $198.87 per month for basic utilities, including electricity, heating, cooling, water, and garbage. Internet services average about $60 per month.​

Transportation Costs

Transportation expenses vary based on personal choices. Gasoline prices average around $3.30 per gallon. Public transportation is available through the Pinellas Suncoast Transit Authority (PSTA), with a monthly pass costing approximately $70. Car insurance premiums average $260 per month, with minimum liability coverage starting at $95. ​

Groceries and Dining

Grocery prices in the Tampa-St. Petersburg-Clearwater area have seen a 4.3% increase compared to the previous year, ranking second nationally. The average cost for a meal at an inexpensive restaurant is around $15, while a three-course meal for two at a mid-range restaurant averages $60. ​

Healthcare Expenses

Healthcare costs can vary, but on average:​

Service	Average Cost
Doctor’s Visit	$120
Dentist Visit	$100
Prescription Medication	$15

It’s essential to have adequate health insurance, as unexpected medical expenses can be substantial. ​

Taxes in St. Petersburg

Florida has no state income tax, which can be a significant saving. The combined sales tax rate in St. Petersburg is 7%, comprising a 6% state tax and a 1% Pinellas County tax. Property taxes are calculated based on a millage rate; for fiscal year 2025, St. Petersburg proposed a rate of 6.45%. ​

Education and Childcare

Childcare costs in St. Petersburg can be significant. As of April 2025, the average starting cost for child care providers is $19.98 per hour, translating to approximately $799 per week for a 40-hour week. Daycare centers, such as Magnolia Day School, charge around $290 per week for toddlers. ​

Entertainment and Leisure

St. Petersburg offers various entertainment options. The average cost for entertainment and recreation in the Tampa Bay region is approximately $62.78 per month, which is lower compared to other major cities. This includes expenses for fitness clubs, movie tickets, and other recreational activities.​

Frequently Asked Questions

Is St. Petersburg Affordable for Families?

St. Petersburg can be affordable for families, especially considering the absence of state income tax and relatively moderate housing costs. However, expenses like childcare and healthcare should be factored into the budget.​

How Much Money Do You Need to Live Comfortably in St. Petersburg?

A single person might need around $3,000 per month, while a family of four could require $5,500 to $6,000 per month, depending on lifestyle choices and housing preferences.​

Is Rent Cheaper in St. Petersburg than in Other Florida Cities?

Generally, yes. Rent in St. Petersburg is often lower than in cities like Miami or Orlando, offering better value for similar amenities.​

What is the Average Salary in St. Petersburg?

The average annual salary in St. Petersburg is approximately $50,000, varying by industry and experience.​

Are living costs rising in St. Pete?

Yes, like many U.S. cities, St. Petersburg has seen a gradual increase in living costs, particularly in housing and groceries. ​

Note: 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.