Middleburg cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexMiddleburgFloridaNational
Cost of living index95100100
IndexMiddleburgFloridaNational
Goods & Services index104101100
Groceries index102105100
Health care index9097100
Housing index7795100
Transportation index104105100
Utilities index106102100
A general summary of the cost of living index in Middleburg, FL is shown above. Compared to the state average of Florida the cost of living index in Middleburg, FL is 95, which is 5% lower than the average in Florida and compared to the national average it is 5% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Middleburg, FL goods and services come in at 3% higher than the average in Florida and are 4% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Middleburg is 5% lower than the Florida average.
  • The cost of living in Middleburg is 5% lower than the national average.
  • The cost of housing in Middleburg is 23% lower than the national average.
  • Florida general sales tax is 18% higher than the national average.
  • Florida state income tax is 100% lower than the national average.

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Compare Middleburg, FL Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Middleburg, FL to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Middleburg, FL, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Middleburg, FL salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$53,828$4,486$1,256$1,615
Renters$32,656$2,721$762$980
The affordability of the housing market in Middleburg, FL as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Middleburg, FL homeowners, the median income is $53,828. This indicates that a monthly maximum of $1,256 should be spent by homeowners on all housing related costs. Renters have a median income of $32,656. This indicates that renters should have a maximum of $762 used for their rent related monthly costs.

Florida Sales Tax

StateGeneral Sales TaxWith Max Surtax
Florida6%7.5%

Florida Income Tax

StateIncome Tax (Low)Income Tax (High)
Florida0%0%
When assessing the complete cost of living in Middleburg, FL, the Florida income tax and the Florida sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Florida maximum surtax is 7.5%, and the Florida sales tax is 6%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 0% to 0% in Florida.

Goods & Services

ItemMiddleburgNational avg.Difference
Haircut $13.80$14.595.4%
Beauty Salon $55.40$34.6859.7%
Toothpaste $2.94$2.4718.9%
Shampoo $0.95$1.027.0%
Movie $10.86$9.8710.1%
Bowling $4.89$4.3911.3%

Groceries

ItemMiddleburgNational avg.Difference
Ground Beef $4.60$4.482.8%
Fried Chicken $1.58$1.467.9%
Milk $2.66$2.3612.9%
Potatoes $3.99$3.0630.3%
Pizza $8.49$9.248.1%
Beer $8.81$8.632.1%

Health Care

ItemMiddleburgNational avg.Difference
Optometrist $80.80$99.7819.0%
Doctor $73.00$105.0330.5%
Dentist $88.60$88.700.1%
Ibuprofen $9.15$9.412.8%
Lipitor $289.99$298.502.9%

Housing

ItemMiddleburgNational avg.Difference
Home Price $115,500.00$175,700.0034.3%
Avg. Mortgage Payment $878.25$1,081.0318.8%
Apartment Rent $951.00$920.003.4%

Transportation

ItemMiddleburgNational avg.Difference
Gasoline $2.13$2.091.6%
Tire Balancing $50.33$45.2911.1%

Utilities

ItemMiddleburgNational avg.Difference
All Electricity$169.75$170.800.6%
Phone $32.76$28.2615.9%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Penney Farms, FL64788-12%
Lawtey, FL1,08486-14%
Bellair-Meadowbrook Terrace, FL13,57895-5%
Green Cove Springs, FL6,98497-3%
Orange Park, FL8,47299-1%
Middleburg, FL13,04295-5%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Lewisville, NC13,0371066%
Lakeland South, WA13,04712020%
Grain Valley, MO13,03795-5%
Mercerville, NJ13,04811818%
Marshall, MO13,05984-16%
Middleburg, FL13,04295-5%
Source: The Middleburg, FL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.