What is the cost of living in Destin, FL?
According to the most recent data on the cost of living, Destin has an overall cost of living index of 128, which is 1.3x higher than the national index of 100.
Compared to Florida, Destin has a cost of living index that's 1.2x higher than Florida's index of 104.
The standard of living in Destin ranks as #381 most affordable out of the 462 places we measured in Florida. By definition, that implies Destin ranks as the #81 most expensive place in the Sunshine State.
For more reading on life in Destin, check out:
Destin Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Destin. Here is how it fares on each of the criteria:
The Services index in Destin is 103.
The Groceries index in Destin is 102.
The Health index in Destin is 182.
The Housing index in Destin is 106.
The Transportation index in Destin is 105.
The Utilities index in Destin is 103.
| Living Expense | Destin | Florida | National Average |
|---|---|---|---|
| Overall | 128 | 104 | 100 |
| Services | 103 | 101 | 100 |
| Groceries | 102 | 105 | 100 |
| Health | 182 | 99 | 100 |
| Housing | 106 | 104 | 100 |
| Transportation | 105 | 109 | 100 |
| Utilities | 103 | 105 | 100 |
Destin Cost Of Living Compared To Florida Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Florida, check out:
Protect your home budget Compare home warranties in Destin Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Destin, FL Housing Cost Breakdown
Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Destin is $613,519.
The Median Rent in Destin is $1,936.
The Median Income in Destin is $89,011.
The Home Value To Income in Destin is 6.9x.
The Rent To Monthly Income in Destin is 0.26x.
Destin, FL Costs By Category
Detailed Destin Services costs vs. Florida
Detailed Destin Groceries costs vs. Florida
Detailed Destin Health costs vs. Florida
Detailed Destin Transportation costs vs. Florida
Destin SnackAbility
Cost Of Living In Cities Around Destin
The cost of living varies in the cities and towns around Destin. Here's a quick look at the cost of living in the most populous nearby places:
Pensacola, FL has a cost of living index of 107, 0.8x Destin.
Navarre, FL has a cost of living index of 116, 0.9x Destin.
Ferry Pass, FL has a cost of living index of 101, 0.8x Destin.
| City | Population | Cost Of Living | Vs. Destin |
|---|---|---|---|
| Pensacola, FL | 54,036 | 107 | 0.8x |
| Navarre, FL | 39,838 | 116 | 0.9x |
| Ferry Pass, FL | 30,053 | 101 | 0.8x |
| Wright, FL | 27,927 | 106 | 0.8x |
| Pace, FL | 26,282 | 104 | 0.8x |
| Fort Walton Beach, FL | 21,025 | 107 | 0.8x |
| Upper Grand Lagoon, FL | 17,232 | 111 | 0.9x |
| Niceville, FL | 16,544 | 114 | 0.9x |
| Myrtle Grove, FL | 15,595 | 95 | 0.7x |
| Miramar Beach, FL | 8,902 | 133 | 1.0x |
