Cost of Living in Mary Esther, FL

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4%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
6%
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 Mary Esther Florida National
Cost of living104102100
Groceries101102100
Health care104104100
Housing10697100
Transportation105103100
Utilities107110100
Lifestyle & Entertainment105104100
Household Items104102100
Education & Childcare102106100
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Homes For Sale In Mary Esther, FL

property for sale

15 Winfield Way

Mary Esther, FL
property for sale

325 Avon Ln

Mary Esther, FL
property for sale

492 Spring Brook Ln

Mary Esther, FL
property for sale

209 W Miracle Strip Pkwy Unit D208

Mary Esther, FL

Cost Of Living Quick Facts

  • The cost of living in Mary Esther is 2% higher than the Florida average
  • The cost of living in Mary Esther is 4% 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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      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$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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Ocean City, FL6,1701054.9%
      Wright, FL25,2751065.5%
      Fort Walton Beach, FL22,7261065.9%
      Holley, FL2,25711110.9%
      Cinco Bayou, FL68511313.0%
      Mary Esther, FL4,4881044.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Wrightwood, CA4,48813333.0%
      Tontitown, AR4,4871033.3%
      Battleford, SK4,486n/a 
      Fayette, AL4,4858514.6%
      Metzger, OR4,49213030.3%
      Mary Esther, FL4,4881044.5%
      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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