A+
11%
Overall NAT. AVG.
7%
Goods & Services NAT. AVG.
29%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Zephyrhills Florida National
Cost of living8998100
Goods & Services9398100
Groceries10099100
Health care9296100
Housing7196100
Transportation10099100
Utilities9997100

An Overview of Cost of Living in Zephyrhills, FL

The cost of living in Zephyrhills affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Zephyrhills is 89, which is 11% lower than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

Is Zephyrhills Affordable?

Is Zephyrhills 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 Zephyrhills, the median home price is 36.5% lower than the national average and monthly rent prices are 11.8% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Zephyrhills boasting a median household income of $36,799, 33.5% lower than the national average.

What Factors can Influence the Cost of Living in Zephyrhills?

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Zephyrhills, the utilities index registers 1.1% lower than the national average.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Zephyrhills, the groceries index is 0.5% lower 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 Zephyrhills, healthcare costs are 8% lower than the national average.

Where is the Data From?

The Zephyrhills cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Zephyrhills is 9% lower than the Florida average
  • The cost of living in Zephyrhills is 11% lower than the national average
  • Zephyrhills housing is 29% lower 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 Zephyrhills

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Compare Zephyrhills, FL Cost of Living

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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
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$41,745$3,479$974$1,252
      Renters$31,038$2,587$724$931
      A good way to judge both the affordability of the housing and the cost of living in Zephyrhills 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. Zephyrhills has a median income of about $41,745 for people who own homes. Based on that number, a maximum of $974 should be spent on expenses related to housing. Renters have a slightly different median income, which is $31,038. Based on this average, renters should spend no more than $724 on all rental costs if they want to maintain a non-impoverished standard of living.

      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%

      Goods & Services

      Item Zephyrhills National avg. Difference
      Haircut $15.67$24.2635.4%
      Beauty Salon $54.72$45.5620.1%
      Toothpaste $3.67$3.700.8%
      Shampoo $1.48$1.2815.3%
      Movie $8.61$12.1329.1%
      Bowling $19.67$18.009.3%

      Groceries

      Item Zephyrhills National avg. Difference
      Ground Beef $6.06$5.843.8%
      Fried Chicken $1.48$1.575.7%
      Milk $4.56$4.672.3%
      Potatoes $5.34$4.938.1%
      Pizza $8.38$12.0930.6%
      Beer $10.69$10.412.6%

      Health Care

      Item Zephyrhills National avg. Difference
      Optometrist $146.67$125.6816.7%
      Doctor $122.32$135.789.9%
      Dentist $103.33$113.298.8%
      Ibuprofen $10.74$10.650.8%
      Lipitor $523.90$468.6011.8%

      Housing

      Item Zephyrhills National avg. Difference
      Home Price $117,200.00$184,700.0036.5%
      Avg. Mortgage Payment $1,846.50$2,346.6921.3%
      Apartment Rent $837.00$949.0011.8%

      Transportation

      Item Zephyrhills National avg. Difference
      Gasoline $3.42$3.461.0%
      Tire Balancing $57.28$59.924.4%

      Utilities

      Item Zephyrhills National avg. Difference
      All Electricity $219.66$193.9913.2%
      Phone $194.37$192.251.1%
      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 Population Cost of Living Index National Avg.
      Trilby, FL300963.8%
      Zephyrhills South, FL5,2487921.3%
      Dade City North, FL2,5698217.8%
      Zephyrhills West, FL5,4098416.3%
      Zephyrhills North, FL3,6368515.4%
      Zephyrhills, FL16,0628911.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Laguna Woods, CA16,05613029.7%
      Cullman, AL16,0729010.2%
      Albemarle, NC16,0738811.7%
      Harrisburg, NC16,07312020.1%
      Ripon, CA16,04914645.6%
      Zephyrhills, FL16,0628911.4%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.