| Index | Keystone | Florida | National |
| Cost of living | 136 | 102 | 100 |
| Groceries | 101 | 102 | 100 |
| Health care | 102 | 104 | 100 |
| Housing | 214 | 97 | 100 |
| Transportation | 103 | 103 | 100 |
| Utilities | 112 | 110 | 100 |
| Lifestyle & Entertainment | 101 | 104 | 100 |
| Household Items | 103 | 102 | 100 |
| Education & Childcare | 102 | 106 | 100 |
Understanding the cost of living in Keystone can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Keystone cost of living index is 136, which is 36% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
The cost of living in Keystone is among the highest in the country, making it a very expensive place to live. Only a small fraction of regions boast a cost of living that is at least 20% higher than the national average, and regrettably, Keystone falls into this category, which may not be suitable for those seeking an economically favorable living environment.
Housing costs are a very significant part of the Keystone cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 113.9% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.
Wondering if Keystone is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Keystone, for example, the median home price is 119.2% higher than what folks pay nationally, and monthly rent is 101.6% higher than the usual rates. Plus, income levels matter too, with Keystone boasting a median household income of $186,631, which is 129.5% higher than the national average.
Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Keystone, the groceries index is 1% higher than the national average.
Transportation: If public transportation is limited or not available, residents may need to own and maintain vehicles, which can add to the cost of living. Gas, insurance, regular maintenance and potentially lease or finance payments will all need to be paid on a monthly basis. In Keystone, the transportation index is 2.8% higher than the national average.
Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Keystone, the housing index stands at 113.9% higher than the national average.
The Keystone cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $197,835 | $16,486 | $4,616 | $5,936 |
| Renters | $98,728 | $8,227 | $2,303 | $2,962 |
| State | General Sales Tax | With Max Surtax |
| Florida | 6% | 7.5% |
| State | Income Tax (Low) | Income Tax (High) |
| Florida | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Moon Lake, FL | 4,330 | 89 | 11.0% |
| New Port Richey, FL | 17,130 | 92 | 8.0% |
| Holiday, FL | 21,830 | 92 | 7.9% |
| Beacon Square, FL | 7,302 | 92 | 7.7% |
| Bayonet Point, FL | 27,360 | 93 | 7.2% |
| Keystone, FL | 26,359 | 136 | 36.3% |
| City | Population | Cost of Living Index | National Avg. |
| Mercer Island, WA | 26,374 | 264 | 164.5% |
| Lockport, IL | 26,386 | 110 | 9.9% |
| Holbrook, NY | 26,325 | 140 | 40.2% |
| Sebastian, FL | 26,323 | 109 | 8.6% |
| Carbondale, IL | 26,321 | 89 | 11.3% |
| Keystone, FL | 26,359 | 136 | 36.3% |
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