Cost of Living in Crystal Lake, FL

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A+
6%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
34%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Crystal Lake Florida National
Cost of living94102100
Groceries104102100
Health care107104100
Housing6697100
Transportation107103100
Utilities110110100
Lifestyle & Entertainment100104100
Household Items104102100
Education & Childcare113106100
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Homes For Sale In Crystal Lake, FL

property for sale

431 Hampton Ave

Lakeland, FL
property for sale

1053 Captiva Pt

Lakeland, FL
property for sale

1047 Captiva Pt

Lakeland, FL
property for sale

408 Longfellow Blvd

Lakeland, FL

Cost Of Living Quick Facts

  • The cost of living in Crystal Lake is 8% lower than the Florida average
  • The cost of living in Crystal Lake is 6% lower than the national average
  • Crystal Lake housing is 34% 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

Most Affordable Places to Live in and Around Crystal Lake

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      Salary Calculator

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      Cost of living index
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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$60,113$5,009$1,403$1,804
      Renters$39,285$3,274$917$1,179
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Crystal Lake, 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 Crystal Lake homeowners, is $60,113. This would allow for a maximum of $1,403 per month to be spent on housing costs. For renters, the median monthly income is $39,285 which would result in a maximum of $917 to be spent on rental costs.

      Florida Sales Tax

      State General Sales Tax With Max Surtax
      Florida 6% 7.5%

      Florida Income Tax

      State Income Tax (Low) Income Tax (High)
      Florida 0% 0%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Fussels Corner, FL4,9498713.4%
      Wahneta, FL4,1208614.1%
      Mulberry, FL4,2428910.6%
      Inwood, FL7,469909.9%
      Combee Settlement, FL6,417946.4%
      Crystal Lake, FL6,427945.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Tarrant, AL6,4268514.8%
      Yardville, NJ6,42911918.6%
      La Broquerie, MB6,430n/a 
      Aptos, CA6,423200100.0%
      Dayton, MN6,42312221.9%
      Crystal Lake, FL6,427945.7%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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