Cost Of Living in Neptune Beach, FL

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	Neptune Beach	Florida	National
Cost of living	127	98	100
Goods & Services	95	98	100
Groceries	99	99	100
Health care	86	96	100
Housing	202	96	100
Transportation	87	99	100
Utilities	101	97	100

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Cost Of Living Quick Facts

The cost of living in Neptune Beach is 30% higher than the Florida average
The cost of living in Neptune Beach is 27% higher than the national average
Neptune Beach housing is 102% 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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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	$102,061	$8,505	$2,381	$3,062
Renters	$54,878	$4,573	$1,280	$1,647

The affordability of the housing market in Neptune Beach, FL as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Neptune Beach homeowners, the median income is $102,061. This indicates that a monthly maximum of $2,381 should be spent by homeowners on all housing related costs. Renters have a median income of $54,878. This indicates that renters would have a maximum of $1,280 for their rent related monthly costs.

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	Neptune Beach	National avg.	Difference
Haircut	$20.91	$24.26	13.8%
Beauty Salon	$70.33	$45.56	54.4%
Toothpaste	$3.69	$3.70	0.3%
Shampoo	$1.43	$1.28	11.7%
Movie	$12.86	$12.13	6.0%
Bowling	$20.93	$18.00	16.3%

Groceries

Item	Neptune Beach	National avg.	Difference
Ground Beef	$5.34	$5.84	8.6%
Fried Chicken	$1.47	$1.57	6.3%
Milk	$4.57	$4.67	2.3%
Potatoes	$5.44	$4.93	10.3%
Pizza	$10.39	$12.09	14.0%
Beer	$11.31	$10.41	8.6%

Health Care

Item	Neptune Beach	National avg.	Difference
Optometrist	$86.60	$125.68	31.1%
Doctor	$100.93	$135.78	25.7%
Dentist	$102.03	$113.29	9.9%
Ibuprofen	$10.61	$10.65	0.4%
Lipitor	$447.41	$468.60	4.5%

Housing

Item	Neptune Beach	National avg.	Difference
Home Price	$427,800.00	$184,700.00	131.6%
Avg. Mortgage Payment	$1,803.79	$2,346.69	23.1%
Apartment Rent	$1,262.00	$949.00	33.0%

Transportation

Item	Neptune Beach	National avg.	Difference
Gasoline	$3.44	$3.46	0.5%
Tire Balancing	$34.43	$59.92	42.5%

Utilities

Item	Neptune Beach	National avg.	Difference
All Electricity	$193.67	$193.99	0.2%
Phone	$194.82	$192.25	1.3%

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.
Fruit Cove, FL	33,038	123	22.6%
Jacksonville Beach, FL	23,562	124	24.1%
Atlantic Beach, FL	13,831	124	24.3%
Palm Valley, FL	20,540	136	35.8%
Sawgrass, FL	4,094	143	43.5%
Neptune Beach, FL	7,214	127	26.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Dunellen, NJ	7,215	119	18.8%
Umatilla, OR	7,215	95	5.1%
Lago Vista, TX	7,212	109	9.4%
Riverdale Park, MD	7,216	129	28.5%
Seward, NE	7,210	96	3.8%
Neptune Beach, FL	7,214	127	26.9%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Neptune Beach, FL