An overview of the general cost of living index for Indian Harbour Beach, FL is displayed above for your reference. Residents in Indian Harbour Beach, FL enjoy a cost of living index of 109. This index is 10% higher than the Florida average, and 9% higher than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Indian Harbour Beach, FL, the average cost of goods and services is 1% higher than it is in Florida, and it is equal to the national average.