B+
10%
Overall NAT. AVG.
5%
Goods & Services NAT. AVG.
40%
Housing NAT. AVG.
Search Homes for Sale
Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; 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 Navarre Florida National
Cost of living11098100
Goods & Services10598100
Groceries9599100
Health care9496100
Housing14096100
Transportation8999100
Utilities8397100

An Overview of Cost of Living in Navarre, FL

Are you thinking about relocating, but curious about the potential cost of living in Navarre? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Navarre stands at 110, making it 10% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

The cost of living in Navarre aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, goods and services, health care and utility bills are priced at a level consistent with the average in similar urban areas. Navarre residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.

Housing costs are a major factor in the Navarre cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 39.9% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

Is Navarre Affordable?

Is Navarre affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Navarre, for instance, where the median home price falls 36.2% higher than the national average, and monthly rent rates are 48.5% higher than usual. Additionally, median income levels contribute to the equation, with Navarre flaunting a median household income of $83,768, 51.4% higher than the national norm.

What Factors can Influence the Cost of Living in Navarre?

Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Navarre, the housing index comes in at 39.9% higher than the national average.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Navarre, the groceries index is 4.7% lower than the national average.

Utilities: Like everything else, utilities costs can range significantly depending on factors like climate, energy sources available, location and even state regulations. Things like electricity, water, heating and waste disposal costs can be higher or lower, depending on the city or state. The utilities index in Navarre comes in at 17.2% lower than the national average.

Where is the Data From?

The Navarre cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. The index takes into account data from 300 independent researches, covering more than 60 goods and services across 6 different categories, to create an overall index for each area, with 100 being the average. The C2ER index does not include sales or income tax rates in their data, however AreaVibes does include both income and sales tax rates in the overall cost of living score for each area.

New Real Estate Listings in Navarre Area
Search Homes for Sale in Navarre, FL

Cost Of Living Quick Facts

  • The cost of living in Navarre is 12% higher than the Florida average
  • The cost of living in Navarre is 10% higher than the national average
  • Navarre housing is 40% 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 Navarre

See all the best places to live around Navarre

Compare Navarre, FL Cost of Living

      vs
      How would you rate the cost of living in Navarre?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Navarre?
      Write a review to give others more information about this area.
      See all Navarre poll results

      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$89,624$7,469$2,091$2,689
      Renters$46,166$3,847$1,077$1,385
      The affordability of the housing market in Navarre, 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 Navarre homeowners, the median income is $89,624. This indicates that a monthly maximum of $2,091 should be spent by homeowners on all housing related costs. Renters have a median income of $46,166. This indicates that renters would have a maximum of $1,077 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 Navarre National avg. Difference
      Haircut $21.34$24.2612.0%
      Beauty Salon $52.41$45.5615.0%
      Toothpaste $3.71$3.700.3%
      Shampoo $1.17$1.288.4%
      Movie $12.99$12.137.1%
      Bowling $20.00$18.0011.1%

      Groceries

      Item Navarre National avg. Difference
      Ground Beef $6.17$5.845.7%
      Fried Chicken $1.67$1.576.2%
      Milk $4.50$4.673.8%
      Potatoes $5.20$4.935.4%
      Pizza $12.56$12.093.9%
      Beer $10.49$10.410.8%

      Health Care

      Item Navarre National avg. Difference
      Optometrist $107.95$125.6814.1%
      Doctor $106.49$135.7821.6%
      Dentist $113.85$113.290.5%
      Ibuprofen $10.06$10.655.6%
      Lipitor $510.84$468.609.0%

      Housing

      Item Navarre National avg. Difference
      Home Price $251,600.00$184,700.0036.2%
      Avg. Mortgage Payment $1,585.50$2,346.6932.4%
      Apartment Rent $1,409.00$949.0048.5%

      Transportation

      Item Navarre National avg. Difference
      Gasoline $3.20$3.467.5%
      Tire Balancing $47.55$59.9220.6%

      Utilities

      Item Navarre National avg. Difference
      All Electricity $142.23$193.9926.7%
      Phone $188.01$192.252.2%
      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.
      Mulat, FL112973.0%
      Dickerson City, FL75973.0%
      Pea Ridge, FL4,817928.4%
      Milton, FL10,259964.4%
      Bagdad, FL3,642964.4%
      Navarre, FL37,3901109.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      La Presa, CA37,41014444.1%
      Park Ridge, IL37,43113736.9%
      Muskogee, OK37,3378218.4%
      Spartanburg, SC37,448919.5%
      Muskegon, MI37,3178118.7%
      Navarre, FL37,3901109.9%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.