Cost of Living in Indian Rocks Beach, FL

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F
41%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
127%
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 Indian Rocks Beach Florida National
Cost of living141102100
Groceries102102100
Health care104104100
Housing22797100
Transportation105103100
Utilities110110100
Lifestyle & Entertainment106104100
Household Items101102100
Education & Childcare107106100
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Homes For Sale In Indian Rocks Beach, FL

property for sale

900 Gulf Blvd #204

Indian Rocks Beach, FL
property for sale

50 Gulf Blvd #301

Indian Rocks Beach, FL
property for sale

50 Gulf Blvd #206

Indian Rocks Beach, FL
property for sale

2307 Bay Blvd

Indian Rocks Beach, FL

Cost Of Living Quick Facts

  • The cost of living in Indian Rocks Beach is 39% higher than the Florida average
  • The cost of living in Indian Rocks Beach is 41% higher than the national average
  • Indian Rocks Beach housing is 127% 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

Most Affordable Places to Live in and Around Indian Rocks Beach

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      Salary Calculator

      This is how much you would need to earn in
      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$137,852$11,488$3,216$4,136
      Renters$85,427$7,119$1,993$2,563
      The affordability of the housing market in Indian Rocks Beach, FL as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Indian Rocks Beach homeowners, the median income is $137,852. This indicates that a monthly maximum of $3,216 should be spent by homeowners on all housing related costs. Renters have a median income of $85,427. This indicates that renters would have a maximum of $1,993 for their rent related monthly costs.

      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.
      South Highpoint, FL6,065946.3%
      Lealman, FL22,381972.7%
      West Lealman, FL14,846972.6%
      Largo, FL87,579990.9%
      Pinellas Park, FL55,3921044.1%
      Indian Rocks Beach, FL4,36814141.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Taylor, AZ4,3681044.4%
      Elmira Heights, NY4,368937.2%
      Williamston, SC4,366919.2%
      Summerville, GA4,3708118.9%
      Deep River, ON4,370n/a 
      Indian Rocks Beach, FL4,36814141.4%
      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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