| Index | Delray Beach | Florida | National |
| Cost of living | 122 | 102 | 100 |
| Groceries | 101 | 102 | 100 |
| Health care | 104 | 104 | 100 |
| Housing | 166 | 97 | 100 |
| Transportation | 105 | 103 | 100 |
| Utilities | 113 | 110 | 100 |
| Lifestyle & Entertainment | 102 | 104 | 100 |
| Household Items | 100 | 102 | 100 |
| Education & Childcare | 100 | 106 | 100 |
The cost of living in Delray Beach affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Delray Beach is 122, which is 22% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
If you value affordability in your search for a new place to live, Delray Beach may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Delray Beach falls into this category, which may not align with your desire for an affordable place to call home.
Housing costs are a major factor in the Delray Beach cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 66.4% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
When it comes to knowing a city, its residents are the experts. We conducted a survey with 9 locals to understand their opinions on the cost of living in Delray Beach. The results indicated that 44% found it reasonably priced with decreasing prices of goods and services, while 56% viewed it as quite expensive, with increasing prices.
Wondering if Delray Beach is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Delray Beach, for example, the median home price is 66% higher than what folks pay nationally, and monthly rent is 67.3% higher than the usual rates. Plus, income levels matter too, with Delray Beach boasting a median household income of $100,255, which is 23.3% higher than the national average.
Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In Delray Beach, the utilities index stands at 13.4% higher than the national average.
Transportation: In areas where public transportation is scarce or unavailable, residents often find themselves compelled to own and upkeep vehicles, thereby increasing the overall cost of living. Monthly expenses encompass fuel, insurance, routine maintenance and potentially lease or financing payments. In Delray Beach, the transportation index is 4.7% higher than the national average.
Healthcare: Healthcare costs and insurance premiums can fluctuate greatly based on the city or state. Access to healthcare facilities, out-of-pocket expenses for doctor\’s visits, dentist costs, medication costs and specialized care costs can all impact the cost of living. In Delray Beach, the healthcare costs are 4.2% higher than the national average.
The cost of living data for Delray 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 | $109,228 | $9,102 | $2,548 | $3,277 |
| Renters | $80,605 | $6,717 | $1,881 | $2,418 |
| 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. |
| Lake Worth, FL | 38,026 | 100 | 0.2% |
| San Castle, FL | 4,211 | 101 | 0.8% |
| Acacia Villas, FL | 659 | 102 | 2.0% |
| Palm Springs, FL | 25,754 | 103 | 3.4% |
| Watergate, FL | 3,788 | 106 | 5.9% |
| Delray Beach, FL | 70,778 | 122 | 22.3% |
| City | Population | Cost of Living Index | National Avg. |
| Saint John, NB | 70,776 | n/a | |
| Poinciana, FL | 70,767 | 108 | 7.5% |
| Daytona Beach, FL | 70,799 | 102 | 1.8% |
| Union City, NJ | 70,743 | 132 | 31.8% |
| Rockville, MD | 70,839 | 157 | 56.8% |
| Delray Beach, FL | 70,778 | 122 | 22.3% |
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