Valparaiso cost of living index

Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; this is the most current data available.
The cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average. The breakdown for each index is as follows: goods and services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Cost of living10299100
Goods & Services9699100
Health care98100100

Key findings

  • The cost of living in Valparaiso is 3% higher than the Florida average
  • The cost of living in Valparaiso is 2% higher than the national average
  • Valparaiso housing is 8% 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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Compare Valparaiso, FL Cost of Living To Other Cities


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      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      A good way to judge both the affordability of the housing and the cost of living in Valparaiso is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Valparaiso has a median income of about $78,311 for people who own homes. Based on that number, a maximum of $1,827 should be spent on expenses related to housing. Renters have a slightly different median income, which is $30,822. Based on this average, renters should spend no more than $719 on all rental costs if they want to maintain a non-impoverished standard of living.

      Florida Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      Florida Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemValparaisoNational avg.Difference
      Haircut $24.25$17.4938.7%
      Beauty Salon $36.00$38.175.7%
      Toothpaste $2.72$2.3217.2%
      Shampoo $0.89$1.0112.0%
      Movie $9.25$10.7213.7%
      Bowling $13.20$13.864.8%


      ItemValparaisoNational avg.Difference
      Ground Beef $3.71$3.904.9%
      Fried Chicken $1.49$1.406.8%
      Milk $2.72$1.9638.6%
      Potatoes $4.21$3.1832.3%
      Pizza $9.78$10.395.9%
      Beer $9.74$9.235.5%

      Health Care

      ItemValparaisoNational avg.Difference
      Optometrist $76.25$106.3428.3%
      Doctor $86.00$115.2525.4%
      Dentist $101.80$98.383.5%
      Ibuprofen $13.04$9.2640.8%
      Lipitor $504.89$466.478.2%


      ItemValparaisoNational avg.Difference
      Home Price $195,800.00$184,700.006.0%
      Avg. Mortgage Payment $1,202.55$1,273.325.6%
      Apartment Rent $1,063.00$949.0012.0%


      ItemValparaisoNational avg.Difference
      Gasoline $2.52$2.592.7%
      Tire Balancing $44.22$48.909.6%


      ItemValparaisoNational avg.Difference
      All Electricity$221.13$167.6031.9%
      Phone $184.74$163.4213.0%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City, StatePopulationCost of Living IndexNational Avg.
      Ocean City, FL6,30597-3%
      Wright, FL23,38297-3%
      Fort Walton Beach, FL21,23897-3%
      Mary Esther, FL4,17798-2%
      Niceville, FL14,3251022%
      Valparaiso, FL5,0841022%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Gilbertsville, PA5,0841022%
      Bealeton, VA5,08511717%
      Manchester, IA5,08388-12%
      Pleasant Run Farm, OH5,08594-6%
      Rutherford, PA5,08398-2%
      Valparaiso, FL5,0841022%
      Source: The Valparaiso, FL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.