A general summary of the cost of living index in Palm Harbor, FL is shown above. Compared to the state average of Florida the cost of living index in Palm Harbor, FL is 102, which is 3% higher than the average in Florida and compared to the national average it is 2% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Palm Harbor, FL goods and services come in at 2% lower than the average in Florida and are 3% lower than compared to the nationwide average.