Cost of Living in St. Pete Beach, FL

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F
42%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
121%
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 St. Pete Beach Florida National
Cost of living142102100
Groceries105102100
Health care108104100
Housing22197100
Transportation107103100
Utilities114110100
Lifestyle & Entertainment110104100
Household Items106102100
Education & Childcare111106100
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Homes For Sale In St. Pete Beach, FL

property for sale

6363 Gulf Winds Dr #427

St Pete Beach, FL
property for sale

7000 Beach Plz #202

St Pete Beach, FL
property for sale

6855 Gulf Winds Dr

St Pete Beach, FL
property for sale

5500 Gulf Blvd #7213

St Pete Beach, FL

Cost Of Living Quick Facts

  • The cost of living in St. Pete Beach is 39% higher than the Florida average
  • The cost of living in St. Pete Beach is 42% higher than the national average
  • St. Pete Beach housing is 121% 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

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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$138,196$11,516$3,224$4,146
      Renters$79,379$6,615$1,852$2,382
      A good indicator of the general affordability of housing in St. Pete Beach, FL, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In St. Pete Beach, the median monthly income is $138,196 for those who own their own homes. Under the standard rule, that income level would allow for $3,224 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $79,379, per the median income in the area. That would allow for renters to spend up to $1,852 on monthly rental expenses.

      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.
      South Highpoint, FL6,065946.3%
      Lealman, FL22,381972.7%
      West Lealman, FL14,846972.6%
      Largo, FL87,579990.9%
      Palmetto, FL13,9911000.0%
      St. Pete Beach, FL9,84914241.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Massena, NY9,8558911.3%
      East St. Paul, MB9,842n/a 
      Oakbrook, KY9,8371011.4%
      Midland, WA9,86211615.7%
      Marlboro Village, MD9,83412322.6%
      St. Pete Beach, FL9,84914241.8%
      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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