Cost of Living in Mary Esther, FL

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3%
Overall NAT. AVG.
5%
Goods & Services NAT. AVG.
6%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; 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 Mary Esther Florida National
Cost of living10399100
Goods & Services105100100
Groceries101105100
Health care10094100
Housing10697100
Transportation9899100
Utilities9498100
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Homes For Sale In Mary Esther, FL

property for sale

899 Al Hammett Rd

Mary Esther, FL
property for sale

159 Shore Line Dr

Mary Esther, FL
property for sale

21 Neptune Dr

Mary Esther, FL
property for sale

895 Solimar Way

Mary Esther, FL

Cost Of Living Quick Facts

  • The cost of living in Mary Esther is 4% higher than the Florida average
  • The cost of living in Mary Esther is 3% higher than the national average
  • Mary Esther housing is 6% 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 Mary Esther

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Compare Mary Esther, FL Cost of Living

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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
      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$124,349$10,362$2,901$3,731
      Renters$78,868$6,572$1,840$2,366
      A good way to judge both the affordability of the housing and the cost of living in Mary Esther 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. Mary Esther has a median income of about $124,349 for people who own homes. Based on that number, a maximum of $2,901 should be spent on expenses related to housing. Renters have a slightly different median income, which is $78,868. Based on this average, renters should spend no more than $1,840 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%

      Goods & Services

      Item Mary Esther National avg. Difference
      Haircut $28.81$27.624.3%
      Beauty Salon $55.95$51.119.5%
      Toothpaste $4.02$4.091.8%
      Shampoo $1.71$1.5410.9%
      Movie $12.00$12.886.8%
      Yoga $21.88$19.6611.3%

      Groceries

      Item Mary Esther National avg. Difference
      Ground Beef $7.50$7.702.7%
      Fried Chicken $1.42$1.6614.6%
      Milk $4.86$4.732.7%
      Potatoes $5.72$5.268.8%
      Pizza $11.48$12.7610.0%
      Beer $11.65$10.5510.4%

      Health Care

      Item Mary Esther National avg. Difference
      Optometrist $133.64$140.064.6%
      Doctor $120.95$153.8221.4%
      Dentist $109.07$123.1511.4%
      Ibuprofen $11.46$11.732.3%
      Lipitor $32.75$23.6138.7%

      Housing

      Item Mary Esther National avg. Difference
      Home Price $331,622.00$326,622.001.5%
      Avg. Mortgage Payment $2,206.09$2,480.2511.1%
      Apartment Rent $1,692.00$1,444.0017.2%

      Transportation

      Item Mary Esther National avg. Difference
      Gasoline $2.88$3.065.9%
      Tire Balancing $69.34$65.216.3%

      Utilities

      Item Mary Esther National avg. Difference
      All Electricity $194.96$220.1211.4%
      Phone $199.49$195.711.9%
      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.
      Ocean City, FL6,1701033.3%
      Wright, FL25,2751043.9%
      Fort Walton Beach, FL22,7261044.3%
      Holley, FL2,2571099.3%
      Cinco Bayou, FL68511111.4%
      Mary Esther, FL4,4881032.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Wrightwood, CA4,48813434.4%
      Tontitown, AR4,4871087.9%
      Battleford, SK4,486n/a 
      Fayette, AL4,4858415.5%
      Metzger, OR4,49213333.4%
      Mary Esther, FL4,4881032.9%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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