Florida cost of living
Can you afford to live in the Sunshine State?
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Considering a move to Florida means weighing the excitement of new beaches, year-round sunshine and a vibrant mix of communities against the practical realities of everyday spending. Whether you’re seeking a change of scenery, following a new job or looking for a family-friendly environment, understanding Florida’s cost of living is a crucial step in making your plans work.
To determine the cost of living in Florida, our team reviewed data from the U.S. Bureau of Economic Analysis to understand average spending. We also used recent sources to gather housing, food, transportation, health care and utility costs for a full picture of everyday expenses.
People in Florida spend $60,204 each year on goods and services, on average.
Jump to insightThe median rent in Florida is $1,693, versus the national median rent of $1,639.
Jump to insightResidents in Florida spend $287.27 weekly on food at home.
Jump to insightAs of August 2025, the average price per gallon of regular gas is $3.01 in Florida.
Jump to insightRecent data shows that employees in Florida pay $1,457 annually for employee-sponsored health insurance coverage.
Jump to insightThe average cost of living in Florida
According to the U.S. Bureau of Economic Analysis (BEA), the average annual per-person spending in Florida was $60,204 in 2023. This amount represents the total value of goods and services residents use in a year, including housing, health care, groceries, fuel and other personal expenses.
Here’s a breakdown of the largest spending categories in Florida:
| Category | Annual per-capita cost in Florida |
|---|---|
| Housing and utilities | $12,191 |
| Health care | $8,996 |
| Food and beverages for off-premises consumption | $4,736 |
| Gasoline and other energy goods | $1,168 |
| All other personal consumption expenditures | $33,112 |
| Total cost | $60,204 |
Housing costs in Florida
Housing is often the most significant monthly expense for Florida residents. According to 2025 data from Apartments.com, the average rent in Florida is $1,693, while the national average rent is $1,639. Depending on location and the type of property, rents can differ greatly. The U.S. Census Bureau’s 2023 American Community Survey provides the following breakdown for average monthly rents in Florida:
- One-bedroom rent: $1,506
- Two-bedroom rent: $1,712
- Three-bedroom rent: $1,933
- Four-bedroom rent: $2,205
For those interested in homeownership, the median home price in Florida is $405,000, compared with the national median of $446,638.
Property taxes also play a role in total housing costs. Florida’s effective property tax rate is No. 30 in the country, at 0.74%.
» COMPARE: Best moving companies in Florida
Food costs in Florida
Your grocery budget in Florida can fluctuate based on where you shop, which brands you buy and how often you eat out. The most recent U.S. Census data shows that the average weekly grocery bill in Florida is $287.27, slightly above the national average of $270.21.
Daily food spending depends on personal routines and location. Those who prepare meals at home and shop at discount stores or farmers markets may find it easier to control costs. In contrast, eating out — especially in Florida’s major cities or resort areas — can quickly drive up your monthly food budget. Smaller communities and rural neighborhoods may offer more affordable options, but prices in popular destinations tend to be higher.
Transportation costs in Florida
Transportation expenses in Florida include fuel and auto insurance. The average price per gallon of regular gas in Florida is $3.01, compared with the U.S. average of $3.13.
For drivers, the average auto insurance premium in Florida, which includes liability, collision and comprehensive coverage, is $1,703.09. The national average is $1,258.
Health care costs in Florida
The typical employee in Florida with employer-sponsored health coverage pays $1,457 per year, with employers covering the remaining $6,794 of the $8,251 total premium.
Nationally, the average employee contribution is $1,640 out of $8,182 for single coverage.
Utility costs in Florida
Monthly electric bills in Florida average $168.35, higher than the national average of $136.84.
Natural gas averages $22.53 per thousand cubic feet in Florida, compared with $12.92 for the U.S. as a whole.
FAQ
Does Florida have a high cost of living?
Yes, Florida has a higher cost of living than the national average. While health care is slightly less expensive than in other states, rent is a bit more than the national average. Gasoline costs are also lower, which can help keep some household budgets in check.
Is Florida a good place to live?
Yes, Florida is a good place to live if you want warm weather, access to beaches and a diverse community. Many people are choosing to move to Florida each year, drawn by the lifestyle and opportunities the state offers. Even with higher costs, many people continue to move here for the quality of life and amenities.
Is Florida good for renters?
No, Florida isn’t good for renters. Rent prices are higher than in most other states, and housing costs often take up a larger share of income. While Florida does offer strong tenant protections, rental units aren’t as readily available, and high demand can limit options for those looking to rent.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- Apartments.com, “Rent Trends.” Accessed Aug. 20, 2025.
- Redfin, “Redfin Data Center.” Accessed Aug. 20, 2025.
- Tax Foundation, “Where Do People Pay the Most in Property Taxes?” Accessed Aug. 20, 2025.
- United States Census Bureau, “Week 63 Household Pulse Survey: October 18 - October 30.” Accessed Aug. 20, 2025.
- AAA Gas Prices, “State Gas Price Averages.” Accessed Aug. 20, 2025.
- National Association of Insurance Commissioners, “2021/2022 Auto Insurance Database Report.” Accessed Aug. 20, 2025.
- KFF, “Average Annual Single Premium per Enrolled Employee For Employer-Based Health Insurance.” Accessed Aug. 20, 2025.
- U.S. Energy Information Administration, “2023 Average Monthly Bill- Residential.” Accessed Aug. 20, 2025.
