| Index | The Villages | Florida | National |
| Cost of living | 120 | 102 | 100 |
| Groceries | 102 | 102 | 100 |
| Health care | 106 | 104 | 100 |
| Housing | 158 | 97 | 100 |
| Transportation | 105 | 103 | 100 |
| Utilities | 108 | 110 | 100 |
| Lifestyle & Entertainment | 104 | 104 | 100 |
| Household Items | 104 | 102 | 100 |
| Education & Childcare | 104 | 106 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in The Villages? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in The Villages stands at 120, making it 20% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
If you're in pursuit of an economical living environment, The Villages may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, The Villages falls within this bracket.
When it comes to the cost of living in The Villages, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 57.8% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.
Is The Villages affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in The Villages, the median home price is 53% higher than the national average and monthly rent prices are 69% higher than the typical rates. Additionally, the median income levels play a role in affordability, with The Villages boasting a median household income of $95,445, 17.4% higher than the national average.
Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.
Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In The Villages, the utilities index stands at 7.8% 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 The Villages, healthcare costs are 5.8% higher than the national average.
The The Villages cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $100,581 | $8,382 | $2,347 | $3,018 |
| Renters | $57,677 | $4,806 | $1,346 | $1,730 |
| 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. |
| Okahumpka, FL | 149 | 85 | 14.8% |
| Lake Panasoffkee, FL | 4,193 | 91 | 9.1% |
| Coleman, FL | 954 | 92 | 7.9% |
| Belleview, FL | 5,163 | 92 | 7.7% |
| Silver Springs Shores, FL | 25,572 | 96 | 4.2% |
| The Villages, FL | 84,115 | 120 | 20.5% |
| City | Population | Cost of Living Index | National Avg. |
| Manteca, CA | 84,071 | 143 | 43.1% |
| Somerville, MA | 84,018 | 185 | 85.2% |
| Buena Park, CA | 83,989 | 167 | 67.4% |
| Medford, OR | 84,271 | 117 | 17.0% |
| Cicero, IL | 84,320 | 100 | 0.3% |
| The Villages, FL | 84,115 | 120 | 20.5% |
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