Cost of Living in DeFuniak Springs, FL

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A+
6%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
27%
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 DeFuniak Springs Florida National
Cost of living94102100
Groceries101102100
Health care104104100
Housing7397100
Transportation101103100
Utilities107110100
Lifestyle & Entertainment104104100
Household Items104102100
Education & Childcare106106100
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Homes For Sale In DeFuniak Springs, FL

property for sale

98 Live Oak Ave E

Defuniak Springs, FL
property for sale

28 Live Oak Ave E

Defuniak Springs, FL
property for sale

Magnolia Lake Dr

Defuniak Springs, FL
property for sale

128 Mikaela Ave

Defuniak Springs, FL

Cost Of Living Quick Facts

  • The cost of living in DeFuniak Springs is 8% lower than the Florida average
  • The cost of living in DeFuniak Springs is 6% lower than the national average
  • DeFuniak Springs housing is 27% 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 DeFuniak Springs

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$92,042$7,670$2,148$2,762
      Renters$48,379$4,032$1,129$1,452
      The affordability of the housing market in DeFuniak Springs, FL as well as the overall cost of living can be predicted 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 be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among DeFuniak Springs homeowners, the median income is $92,042. This indicates that a monthly maximum of $2,148 should be spent by homeowners on all housing related costs. Renters have a median income of $48,379. This indicates that renters would have a maximum of $1,129 for their rent related monthly 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.
      Ponce de Leon, FL7159010.0%
      Freeport, FL2,51711313.2%
      DeFuniak Springs, FL6,958945.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Robertsdale, AL6,9589010.2%
      Macclenny, FL6,9581010.8%
      Taylor Mill, KY6,957945.9%
      Inniswold, LA6,95711111.0%
      Nevada, IA6,9599010.2%
      DeFuniak Springs, FL6,958945.8%
      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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