Cost of Living in Gardner, FL

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12%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
48%
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 Gardner Florida National
Cost of living88102100
Groceries103102100
Health care106104100
Housing5297100
Transportation107103100
Utilities108110100
Lifestyle & Entertainment101104100
Household Items100102100
Education & Childcare103106100
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Homes For Sale In Gardner, FL

property for sale

0 Oak Ln

Zolfo Springs, FL
property for sale

1137 Hopkins Ln

Zolfo Springs, FL
property for sale

7735 Brook Blvd

Zolfo Springs, FL
property for sale

7724 Brook Blvd

Zolfo Springs, FL

Cost Of Living Quick Facts

  • The cost of living in Gardner is 13% lower than the Florida average
  • The cost of living in Gardner is 12% lower than the national average
  • Gardner housing is 48% 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 Gardner

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Compare Gardner, FL Cost of Living

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      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$41,896$3,491$978$1,257
      Renters$0$0$0$0

      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.
      Limestone, FL3311044.0%
      Ona, FL6761044.3%
      Zolfo Springs, FL2,2118613.7%
      Southeast Arcadia, FL9,1408911.2%
      Wauchula, FL4,9748911.0%
      Gardner, FL3748811.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Dietrich, ID374909.8%
      Eubank, KY3748317.5%
      Sadieville, KY374919.4%
      Saline, LA3748019.9%
      Silver City, MS3747821.7%
      Gardner, FL3748811.7%
      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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