Cost Of Living in Fern Park, FL

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B

13%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

32%

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	Fern Park	Florida	National
Cost of living	113	102	100
Groceries	102	102	100
Health care	105	104	100
Housing	132	97	100
Transportation	103	103	100
Utilities	107	110	100
Lifestyle & Entertainment	105	104	100
Household Items	103	102	100
Education & Childcare	109	106	100

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Homes For Sale In Fern Park, FL

1905 Poinsetta Ln

Maitland, FL

107 E Lauren Ct

Fern Park, FL

1511 Glastonberry Rd

Maitland, FL

2102 Winnebago Trl

Fern Park, FL

Cost Of Living Quick Facts

The cost of living in Fern Park is 10% higher than the Florida average
The cost of living in Fern Park is 13% higher than the national average
Fern Park housing is 32% 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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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	$107,821	$8,985	$2,516	$3,235
Renters	$51,950	$4,329	$1,212	$1,559

A good indicator of the general affordability of housing in Fern Park, FL, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Fern Park, the median monthly income is $107,821 for those who own their own homes. Under the standard rule, that income level would allow for $2,516 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $51,950, per the median income in the area. That would allow for renters to spend up to $1,212 on monthly rental expenses.

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.
Sorrento, FL	143	103	3.4%
Lake Butler city, FL	2,250	85	14.9%
Clarcona, FL	4,840	93	6.7%
Zellwood, FL	2,952	95	4.7%
Eatonville, FL	2,489	98	2.4%
Fern Park, FL	8,863	113	12.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Willowbrook, IL	8,864	116	16.4%
Hornsby Bend, TX	8,860	107	6.5%
Audubon, NJ	8,859	114	13.8%
Wellington, CO	8,869	133	33.4%
Forestdale, AL	8,870	89	10.7%
Fern Park, FL	8,863	113	12.6%