Gulf Breeze, Florida Cost Of Living

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F

Overall 24%

Goods & Services 6%

Housing 85%

Date & Last Updated: This data reflects 2022 and was released from C2ER in January, 2022; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Gulf Breeze	Florida	National
Cost of living	124	99	100
Goods & Services	95	98	100
Groceries	96	106	100
Health care	94	99	100
Housing	185	96	100
Transportation	95	99	100
Utilities	120	105	100

Key findings

The cost of living in Gulf Breeze is 25% higher than the Florida average
The cost of living in Gulf Breeze is 24% higher than the national average
Gulf Breeze housing is 85% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$111,806	$9,317	$2,609	$3,355
Renters	$61,518	$5,127	$1,435	$1,846

A good indicator of the general affordability of housing in Gulf Breeze, 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 Gulf Breeze, the median monthly income is $111,806 for those who own their own homes. Under the standard rule, that income level would allow for $2,609 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $61,518, per the median income in the area. That would allow for renters to spend up to $1,435 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%

Goods & Services

Item	Gulf Breeze	National avg.	Difference
Haircut	$22.33	$20.27	10.2%
Beauty Salon	$41.11	$40.39	1.8%
Toothpaste	$2.57	$2.36	9.1%
Shampoo	$0.88	$1.08	18.2%
Movie	$11.31	$10.99	2.9%
Bowling	$12.61	$15.49	18.6%

Groceries

Item	Gulf Breeze	National avg.	Difference
Ground Beef	$4.79	$4.30	11.4%
Fried Chicken	$1.36	$1.40	2.8%
Milk	$3.45	$2.20	56.6%
Potatoes	$4.47	$3.22	38.7%
Pizza	$10.62	$10.74	1.1%
Beer	$9.85	$9.60	2.6%

Health Care

Item	Gulf Breeze	National avg.	Difference
Optometrist	$70.41	$109.73	35.8%
Doctor	$94.42	$118.34	20.2%
Dentist	$99.60	$100.94	1.3%
Ibuprofen	$11.97	$9.93	20.5%
Lipitor	$493.34	$469.53	5.1%

Housing

Item	Gulf Breeze	National avg.	Difference
Home Price	$387,300.00	$184,700.00	109.7%
Avg. Mortgage Payment	$1,068.84	$1,229.62	13.1%
Apartment Rent	$1,194.00	$949.00	25.8%

Transportation

Item	Gulf Breeze	National avg.	Difference
Gasoline	$2.86	$2.71	5.6%
Tire Balancing	$40.98	$51.86	21.0%

Utilities

Item	Gulf Breeze	National avg.	Difference
All Electricity	$226.81	$170.84	32.8%
Phone	$192.15	$187.18	2.7%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Dickerson City, FL	93	98	1.6%
Goulding, FL	4,122	83	16.6%
West Pensacola, FL	20,382	84	16.3%
Brent, FL	22,319	85	14.6%
Warrington, FL	12,894	86	14.1%
Gulf Breeze, FL	6,205	124	24.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Dunlap, IN	6,206	96	4.1%
Monroeville, AL	6,203	83	16.8%
Walpole, MA	6,209	142	41.6%
East Aurora, NY	6,209	94	5.7%
Prairie View, TX	6,209	95	4.7%
Gulf Breeze, FL	6,205	124	24.2%

Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.