Cost of Living in Osprey, FL

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F
61%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
195%
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 Osprey Florida National
Cost of living161102100
Groceries104102100
Health care104104100
Housing29597100
Transportation100103100
Utilities110110100
Lifestyle & Entertainment109104100
Household Items100102100
Education & Childcare103106100
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Homes For Sale In Osprey, FL

property for sale

14021 Bellagio Way #404

Osprey, FL
property for sale

562 Oak Bay Dr

Osprey, FL
property for sale

Glenwood Ave

Osprey, FL
property for sale

Glenwood Ave

Osprey, FL

Cost Of Living Quick Facts

  • The cost of living in Osprey is 58% higher than the Florida average
  • The cost of living in Osprey is 61% higher than the national average
  • Osprey housing is 195% 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 Osprey

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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$163,102$13,592$3,805$4,894
      Renters$108,843$9,070$2,540$3,266
      To approximate the cost of living and the housing affordability in Osprey, FL, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Osprey have a median income of $163,102. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,805 per month to avoid calamity and poverty. The renters in the city have an income of about $108,843, which would make their monthly maximum allowable rental costs $2,540.

      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.
      Warm Mineral Springs, FL5,3891000.0%
      Gulf Gate Estates, FL10,9221011.1%
      Nokomis, FL4,1861054.8%
      North Sarasota, FL2,3501065.6%
      Kensington Park, FL3,5841076.8%
      Osprey, FL6,34916161.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Hurricane, WV6,350928.2%
      Latimer, MS6,351927.6%
      Binghamton University, NY6,3511109.6%
      Lindale, TX6,3511000.1%
      Dacula, GA6,3521000.2%
      Osprey, FL6,34916161.4%
      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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