| Index | Orlando | Florida | National |
| Cost of living | 116 | 102 | 100 |
| Groceries | 105 | 102 | 100 |
| Health care | 106 | 104 | 100 |
| Housing | 142 | 97 | 100 |
| Transportation | 106 | 103 | 100 |
| Utilities | 109 | 110 | 100 |
| Lifestyle & Entertainment | 102 | 104 | 100 |
| Household Items | 101 | 102 | 100 |
| Education & Childcare | 108 | 106 | 100 |
The cost of living in Orlando affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Orlando is 116, which is 16% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
Housing costs significantly influence the Orlando cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 42%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.
Is Orlando an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Orlando is 45.8% higher than the national average, while the average monthly rent prices are 33% higher than average. The affordability of any location can also be influenced by median income levels. Orlando has a median household income of $83,762, which is 3% higher than the national average.
Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In Orlando, the housing index is 42% higher than the national average.
Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Orlando, healthcare costs are 5.6% higher than the national average.
Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Orlando, the prevailing sales tax rate starts at 6%, and income tax rates kick off at 0%.
The Orlando cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $130,185 | $10,849 | $3,037 | $3,906 |
| Renters | $69,117 | $5,760 | $1,613 | $2,074 |
| State | General Sales Tax | With Max Surtax |
| Florida | 6% | 7.5% |
| State | Income Tax (Low) | Income Tax (High) |
| Florida | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Lake Buena Vista, FL | 4 | 104 | 3.6% |
| Tildenville, FL | 44 | 103 | 2.7% |
| Lake Butler city, FL | 2,250 | 85 | 14.9% |
| Bay Lake, FL | 45 | 89 | 11.5% |
| Clarcona, FL | 4,840 | 93 | 6.7% |
| Orlando, FL | 294,679 | 116 | 16.2% |
| City | Population | Cost of Living Index | National Avg. |
| Lincoln, NE | 293,945 | 97 | 2.9% |
| Gatineau, QC | 293,695 | n/a | |
| Plano, TX | 297,929 | 122 | 21.8% |
| Newark, NJ | 290,764 | 120 | 19.8% |
| Anchorage, AK | 302,697 | 132 | 32.0% |
| Orlando, FL | 294,679 | 116 | 16.2% |
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