| Index | Atlantic Beach | Florida | National |
| Cost of living | 136 | 102 | 100 |
| Groceries | 104 | 102 | 100 |
| Health care | 107 | 104 | 100 |
| Housing | 200 | 97 | 100 |
| Transportation | 108 | 103 | 100 |
| Utilities | 116 | 110 | 100 |
| Lifestyle & Entertainment | 112 | 104 | 100 |
| Household Items | 105 | 102 | 100 |
| Education & Childcare | 109 | 106 | 100 |
Knowing the cost of living in Atlantic Beach allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Atlantic Beach stands at 136, marking it 36% higher than the national average.
If affordability is among your top priorities when searching for a new place to live, this area may not be the ideal fit, as the cost of living in Atlantic Beach is among the most expensive in the United States. Just a minority of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Atlantic Beach falls into this category, which may not align with your goal of finding a budget-friendly living environment.
Housing costs are a very significant part of the Atlantic Beach cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 99.9% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.
Is Atlantic Beach an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Atlantic Beach, the median home price is 124.9% higher than what most folks pay across the country, and monthly rent prices are 41.6% higher than the usual rates. Income levels in Atlantic Beach come in at $126,001, which is 54.9% higher than the national average.
Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Atlantic Beach, the housing index comes in at 99.9% higher than the national average.
Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.
Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.
The cost of living data for Atlantic Beach shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $150,096 | $12,508 | $3,502 | $4,503 |
| Renters | $82,076 | $6,840 | $1,915 | $2,463 |
| State | General Sales Tax | With Max Surtax |
| Florida | 6% | 7.5% |
| State | Income Tax (Low) | Income Tax (High) |
| Florida | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Jacksonville Beach, FL | 24,280 | 135 | 34.6% |
| Neptune Beach, FL | 7,476 | 138 | 38.3% |
| Palm Valley, FL | 21,243 | 140 | 40.0% |
| Sawgrass, FL | 4,178 | 150 | 50.3% |
| Atlantic Beach, FL | 14,361 | 136 | 35.7% |
| City | Population | Cost of Living Index | National Avg. |
| Fort Payne, AL | 14,361 | 90 | 9.9% |
| Alamo, CA | 14,363 | 304 | 204.0% |
| Sauk Rapids, MN | 14,365 | 99 | 1.3% |
| Fruita, CO | 14,366 | 115 | 15.2% |
| Cahokia, IL | 14,366 | 81 | 19.2% |
| Atlantic Beach, FL | 14,361 | 136 | 35.7% |
Here are the best places to live in Florida
These are the largest cities in Florida
Most Dangerous Cities In The US
See the best places to live in Atlantic Beach