Can I Afford to Live in Florida?
Florida - No income tax, warm weather year-round, and retirement-friendly. See median rent, home values, and the most affordable ZIP codes below.
Find ZIP Codes You Can Afford in Florida
Enter your salary to see neighborhoods in your budget.
🏠 To Buy in Florida
With median home value of $415,000, you'd typically need an income of at least $103,750/year and a down payment of $41,500 (10%).
🏘️ To Rent in Florida
With median rent of $1,700/month, you should earn at least $61K/year (30% rent-to-income rule). This is above the US median of $1,163/mo.
💰 Median Income
Florida residents earn a median household income of $63,062/year. Rent takes approximately 32% of median income.
Most Affordable ZIP Codes in Florida
Ranked by lowest median rent, minimum population 3,000+
| # | ZIP · City | Rent/mo | Score |
|---|---|---|---|
| 1 | 33125 Miami | $621 | 33 |
| 2 | 33127 Miami | $666 | 40 |
| 3 | 32202 Jacksonville | $843 | 49 |
| 4 | 32207 Jacksonville | $890 | 50 |
| 5 | 32210 Jacksonville | $942 | 52 |
| 6 | 33603 Tampa | $975 | 58 |
| 7 | 33605 Tampa | $1,010 | 49 |
| 8 | 32217 Jacksonville | $1,191 | 67 |
| 9 | 33101 Miami | $1,215 | 65 |
| 10 | 33130 Miami | $1,240 | 67 |
| 11 | 32246 Jacksonville | $1,254 | 63 |
| 12 | 33602 Tampa | $1,355 | 65 |
| 13 | 33131 Miami | $1,635 | 77 |
| 14 | 33143 South Miami | $1,644 | 74 |
| 15 | 33606 Tampa | $1,763 | 75 |
| 16 | 33609 Tampa | $1,975 | 76 |
| 17 | 33137 Miami | $1,989 | 72 |
| 18 | 33629 Tampa | $3,198 | 79 |
| 19 | 33109 Miami Beach | $3,296 | 82 |
| 20 | 33133 Miami | $3,544 | 83 |
Top-Rated Neighborhoods in Florida
Highest ZipScore - best combination of safety, schools, and quality of life
FAQs: Living in Florida
What salary do I need to live comfortably in Florida?
To live comfortably in Florida, you'd want to earn at least $61,200/year to rent at the median price without being cost-burdened (spending more than 30% of income on housing). To buy at the median home price of $415,000, aim for a salary of $103,750+.
Is Florida expensive to live in?
Florida has a median rent of $1,700/month, which is above the US national median of $1,163. Cost varies significantly by city and neighborhood - the table above shows the most affordable ZIP codes in Florida.
What is the most affordable city in Florida?
The most affordable ZIP codes in Florida are ranked in the table above by median rent. Smaller cities and suburbs typically offer significantly lower costs than the major metro areas. Click any ZIP code to see its full neighborhood profile.