Cost of Living in Neptune Beach, FL

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F
38%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
109%
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 Neptune Beach Florida National
Cost of living138102100
Groceries104102100
Health care107104100
Housing20997100
Transportation108103100
Utilities116110100
Lifestyle & Entertainment112104100
Household Items105102100
Education & Childcare109106100
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Homes For Sale In Neptune Beach, FL

property for sale

1811 Twelve Oaks Ln N

Neptune Beach, FL
property for sale

2239 Pine Pl

Neptune Beach, FL
property for sale

2029 Shadow Ln

Neptune Beach, FL
property for sale

830 Hagler Dr

Neptune Beach, FL

Cost Of Living Quick Facts

  • The cost of living in Neptune Beach is 36% higher than the Florida average
  • The cost of living in Neptune Beach is 38% higher than the national average
  • Neptune Beach housing is 109% 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 Neptune 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$149,168$12,431$3,480$4,475
      Renters$81,037$6,753$1,891$2,431
      The affordability of the housing market in Neptune Beach, 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 Neptune Beach homeowners, the median income is $149,168. This indicates that a monthly maximum of $3,480 should be spent by homeowners on all housing related costs. Renters have a median income of $81,037. This indicates that renters would have a maximum of $1,891 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Fruit Cove, FL33,95612929.1%
      Jacksonville Beach, FL24,28013534.6%
      Atlantic Beach, FL14,36113635.7%
      Palm Valley, FL21,24314040.0%
      Sawgrass, FL4,17815050.3%
      Neptune Beach, FL7,47613838.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Sky Lake, FL7,4781044.3%
      Northport, NY7,47816565.1%
      Devils Lake, ND7,4738811.7%
      Crystal City, TX7,4738118.6%
      Mexia, TX7,4738514.6%
      Neptune Beach, FL7,47613838.3%
      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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