Cost of Living in Madeira Beach, FL

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F
42%
Overall NAT. AVG.
4%
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 Madeira Beach Florida National
Cost of living142102100
Groceries104102100
Health care105104100
Housing22797100
Transportation104103100
Utilities114110100
Lifestyle & Entertainment104104100
Household Items105102100
Education & Childcare109106100
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Homes For Sale In Madeira Beach, FL

property for sale

14012 Marguerite Dr

Madeira Beach, FL
property for sale

13440 1st St E

Madeira Beach, FL
property for sale

14016 E Parsley Dr

Madeira Beach, FL
property for sale

708 Sunset Cove

Madeira Beach, FL

Cost Of Living Quick Facts

  • The cost of living in Madeira Beach is 39% higher than the Florida average
  • The cost of living in Madeira Beach is 42% higher than the national average
  • Madeira 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 Madeira 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$129,480$10,790$3,021$3,885
      Renters$49,747$4,146$1,161$1,493
      A good way to judge both the affordability of the housing and the cost of living in Madeira Beach is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Madeira Beach has a median income of about $129,480 for people who own homes. Based on that number, a maximum of $3,021 should be spent on expenses related to housing. Renters have a slightly different median income, which is $49,747. Based on this average, renters should spend no more than $1,161 on all rental costs if they want to maintain a non-impoverished standard of living.

      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%
      Madeira Beach, FL4,40914242.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Iroquois Falls, ON4,409n/a 
      Geneva, AL4,4088217.7%
      Grantley, PA4,40812120.8%
      Pecan Acres, TX4,40812424.0%
      Hugoton, KS4,4078812.2%
      Madeira Beach, FL4,40914242.2%
      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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