What is the cost of living in Lutz, FL?
According to the most recent data on the cost of living, Lutz has an overall cost of living index of 122, which is 1.2x higher than the national index of 100.
Compared to Florida, Lutz has a cost of living index that's 1.2x higher than Florida's index of 104.
The standard of living in Lutz ranks as #351 most affordable out of the 462 places we measured in Florida. By definition, that implies Lutz ranks as the #111 most expensive place in the Sunshine State.
For more reading on life in Lutz, check out:
Lutz Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Lutz. Here is how it fares on each of the criteria:
The Services index in Lutz is 101.
The Groceries index in Lutz is 103.
The Health index in Lutz is 162.
The Housing index in Lutz is 103.
The Transportation index in Lutz is 111.
The Utilities index in Lutz is 101.
| Living Expense | Lutz | Florida | National Average |
|---|---|---|---|
| Overall | 122 | 104 | 100 |
| Services | 101 | 101 | 100 |
| Groceries | 103 | 105 | 100 |
| Health | 162 | 99 | 100 |
| Housing | 103 | 104 | 100 |
| Transportation | 111 | 109 | 100 |
| Utilities | 101 | 105 | 100 |
Lutz 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 Lutz Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Lutz, 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 Lutz is $484,754.
The Median Rent in Lutz is $1,823.
The Median Income in Lutz is $120,031.
The Home Value To Income in Lutz is 4.0x.
The Rent To Monthly Income in Lutz is 0.18x.
Lutz, FL Costs By Category
Detailed Lutz Services costs vs. Florida
Detailed Lutz Groceries costs vs. Florida
Detailed Lutz Health costs vs. Florida
Detailed Lutz Transportation costs vs. Florida
Lutz SnackAbility
Cost Of Living In Cities Around Lutz
The cost of living varies in the cities and towns around Lutz. Here's a quick look at the cost of living in the most populous nearby places:
Brandon, FL has a cost of living index of 108, 0.9x Lutz.
Palm Harbor, FL has a cost of living index of 114, 0.9x Lutz.
Carrollwood, FL has a cost of living index of 115, 0.9x Lutz.
| City | Population | Cost Of Living | Vs. Lutz |
|---|---|---|---|
| Brandon, FL | 119,767 | 108 | 0.9x |
| Palm Harbor, FL | 61,512 | 114 | 0.9x |
| Carrollwood, FL | 36,725 | 115 | 0.9x |
| Lake Magdalene, FL | 32,083 | 111 | 0.9x |
| Citrus Park, FL | 28,804 | 119 | 1.0x |
| Temple Terrace, FL | 27,275 | 110 | 0.9x |
| Keystone, FL | 25,858 | 134 | 1.1x |
| Northdale, FL | 25,710 | 117 | 1.0x |
| Trinity, FL | 18,907 | 129 | 1.1x |
| Safety Harbor, FL | 17,033 | 121 | 1.0x |
