St. Augustine 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.
IndexSt. AugustineFloridaNational
Cost of living index106100100
IndexSt. AugustineFloridaNational
Goods & Services index99101100
Groceries index110105100
Health care index9697100
Housing index11695100
Transportation index107105100
Utilities index96102100
An overview of the general cost of living index for St. Augustine, FL is displayed above for your reference. Residents in St. Augustine, FL enjoy a cost of living index of 106. This index is 6% higher than the Florida average, and 6% higher than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in St. Augustine, FL, the average cost of goods and services is 2% lower than it is in Florida, and it is 1% lower than the national average.

Did you know?

  • The cost of living in St. Augustine is 6% higher than the Florida average.
  • The cost of living in St. Augustine is 6% higher than the national average.
  • The cost of housing in St. Augustine is 16% higher 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 St. Augustine, FL Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in St. Augustine, FL to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in St. Augustine, FL, then you would need to earn more income in order to maintain the same standard of living. To use the St. Augustine, FL salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$60,503$5,042$1,412$1,815
Renters$26,287$2,191$613$789
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in St. Augustine, FL as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for St. Augustine, FL homeowners, is $60,503. This would allow for a maximum of $1,412 per month to be spent on housing costs. For renters, the median monthly income is $26,287 which would result in a maximum of $613 to be spent on rental costs.

Florida Sales Tax

StateGeneral Sales TaxWith Max Surtax
Florida6%7.5%

Florida Income Tax

StateIncome Tax (Low)Income Tax (High)
Florida0%0%
When considering the overall cost of living expenses in St. Augustine, FL, it's important to take into account the sales tax for Florida, as well as the rate for income tax in Florida. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Florida is 7.5%, and the sales tax in the state of Florida is 6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Florida starts from 0% and goes up to 0%.

Goods & Services

ItemSt. AugustineNational avg.Difference
Haircut $12.33$14.5915.5%
Beauty Salon $25.00$34.6827.9%
Toothpaste $3.36$2.4735.9%
Shampoo $1.01$1.021.2%
Movie $10.00$9.871.3%
Bowling $4.00$4.398.9%

Groceries

ItemSt. AugustineNational avg.Difference
Ground Beef $4.81$4.487.4%
Fried Chicken $1.47$1.460.4%
Milk $2.76$2.3617.1%
Potatoes $3.74$3.0622.2%
Pizza $10.49$9.2413.5%
Beer $8.85$8.632.5%

Health Care

ItemSt. AugustineNational avg.Difference
Optometrist $97.26$99.782.5%
Doctor $95.00$105.039.6%
Dentist $87.50$88.701.4%
Ibuprofen $9.32$9.411.0%
Lipitor $286.92$298.503.9%

Housing

ItemSt. AugustineNational avg.Difference
Home Price $214,200.00$175,700.0021.9%
Avg. Mortgage Payment $815.89$1,081.0324.5%
Apartment Rent $939.00$920.002.1%

Transportation

ItemSt. AugustineNational avg.Difference
Gasoline $2.37$2.0913.3%
Tire Balancing $40.88$45.299.7%

Utilities

ItemSt. AugustineNational avg.Difference
All Electricity$173.36$170.801.5%
Phone $25.01$28.2611.5%
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.
Hastings, FL61187-13%
St. Augustine Shores, FL7,82499-1%
St. Augustine South, FL5,1401011%
World Golf Village, FL13,32611414%
Butler Beach, FL5,70911616%
St. Augustine, FL13,4401066%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Jericho, NY13,44518383%
Warrington, FL13,42887-13%
Monroe, GA13,42792-8%
Thonotosassa, FL13,46192-8%
Livingston, CA13,4611044%
St. Augustine, FL13,4401066%
Source: The St. Augustine, FL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.