Middleburg, Florida Cost Of Living

Buy Rent

B+

Overall 10%

Goods & Services 4%

Housing 26%

Date & Last Updated: This data reflects 2020 and was released from C2ER in January, 2021; 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	Middleburg	Florida	National
Cost of living	90	99	100
Goods & Services	96	98	100
Groceries	110	106	100
Health care	84	99	100
Housing	74	96	100
Transportation	84	99	100
Utilities	97	105	100

Key findings

The cost of living in Middleburg is 10% lower than the Florida average
The cost of living in Middleburg is 10% lower than the national average
Middleburg housing is 26% lower 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

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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	$56,971	$4,748	$1,329	$1,709
Renters	$35,257	$2,938	$823	$1,058

The affordability of the housing market in Middleburg, 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 Middleburg homeowners, the median income is $56,971. This indicates that a monthly maximum of $1,329 should be spent by homeowners on all housing related costs. Renters have a median income of $35,257. This indicates that renters would have a maximum of $823 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%

Goods & Services

Item	Middleburg	National avg.	Difference
Haircut	$20.47	$20.27	1.0%
Beauty Salon	$50.33	$40.39	24.6%
Toothpaste	$3.19	$2.36	35.1%
Shampoo	$1.00	$1.08	7.1%
Movie	$11.98	$10.99	9.0%
Bowling	$16.23	$15.49	4.8%

Groceries

Item	Middleburg	National avg.	Difference
Ground Beef	$4.71	$4.30	9.5%
Fried Chicken	$1.71	$1.40	22.0%
Milk	$2.61	$2.20	18.6%
Potatoes	$3.53	$3.22	9.5%
Pizza	$9.43	$10.74	12.2%
Beer	$10.51	$9.60	9.5%

Health Care

Item	Middleburg	National avg.	Difference
Optometrist	$70.00	$109.73	36.2%
Doctor	$76.25	$118.34	35.6%
Dentist	$95.47	$100.94	5.4%
Ibuprofen	$11.68	$9.93	17.6%
Lipitor	$378.51	$469.53	19.4%

Housing

Item	Middleburg	National avg.	Difference
Home Price	$121,400.00	$184,700.00	34.3%
Avg. Mortgage Payment	$971.06	$1,229.62	21.0%
Apartment Rent	$887.00	$949.00	6.5%

Transportation

Item	Middleburg	National avg.	Difference
Gasoline	$2.68	$2.71	1.0%
Tire Balancing	$30.40	$51.86	41.4%

Utilities

Item	Middleburg	National avg.	Difference
All Electricity	$159.06	$170.84	6.9%
Phone	$191.90	$187.18	2.5%

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, State	Population	Cost of Living Index	National Avg.
Lawtey, FL	1,079	82	-18%
Bellair-Meadowbrook Terrace, FL	14,300	88	-12%
Green Cove Springs, FL	7,205	90	-10%
Penney Farms, FL	618	91	-9%
Lakeside, FL	31,201	93	-7%
Middleburg, FL	13,511	90	-10%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Englewood, OH	13,512	90	-10%
St. James, NY	13,512	148	48%
West Freehold, NJ	13,509	133	33%
Black Forest, CO	13,506	145	45%
Artondale, WA	13,506	135	35%
Middleburg, FL	13,511	90	-10%

Source: The Middleburg, FL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2020.