What is the cost of living in Neptune Beach, FL?
According to the most recent data on the cost of living, Neptune Beach has an overall cost of living index of 136, which is 1.4x higher than the national index of 100.
Compared to Florida, Neptune Beach has a cost of living index that's 1.3x higher than Florida's index of 104.
The standard of living in Neptune Beach ranks as #418 most affordable out of the 462 places we measured in Florida. By definition, that implies Neptune Beach ranks as the #44 most expensive place in the Sunshine State.
For more reading on life in Neptune Beach, check out:
Neptune Beach Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Neptune Beach. Here is how it fares on each of the criteria:
The Services index in Neptune Beach is 104.
The Groceries index in Neptune Beach is 108.
The Health index in Neptune Beach is 210.
The Housing index in Neptune Beach is 108.
The Transportation index in Neptune Beach is 117.
The Utilities index in Neptune Beach is 113.
| Living Expense | Neptune Beach | Florida | National Average |
|---|---|---|---|
| Overall | 136 | 104 | 100 |
| Services | 104 | 101 | 100 |
| Groceries | 108 | 105 | 100 |
| Health | 210 | 99 | 100 |
| Housing | 108 | 104 | 100 |
| Transportation | 117 | 109 | 100 |
| Utilities | 113 | 105 | 100 |
Neptune Beach 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 Neptune Beach Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Neptune Beach, 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 Neptune Beach is $772,432.
The Median Rent in Neptune Beach is $1,763.
The Median Income in Neptune Beach is $119,294.
The Home Value To Income in Neptune Beach is 6.5x.
The Rent To Monthly Income in Neptune Beach is 0.18x.
| Statistic | Neptune Beach | Florida | United States |
|---|---|---|---|
| Median Home Value | $772,432 | $375,661 | $332,700 |
| Median Rent | $1,763 | $1,669 | $1,413 |
| Median Income | $119,294 | $74,568 | $80,734 |
| Home Value To Income | 6.5x | 5.0x | 4.1x |
| Rent To Monthly Income | 0.18x | 0.27x | 0.21x |
Neptune Beach, FL Costs By Category
Detailed Neptune Beach Services costs vs. Florida
| Item | Neptune Beach | Florida |
|---|---|---|
| Shampoo | $1.43 | $1.28 |
| Movie | $12.86 | $12.13 |
| Bowling | $20.93 | $18 |
| Haircut | $20.91 | $24.26 |
| Beauty Salon | $70.33 | $45.56 |
Detailed Neptune Beach Groceries costs vs. Florida
| Item | Neptune Beach | Florida |
|---|---|---|
| Ground Beef | $5.34 | $5.84 |
| Fried Chicken | $1.47 | $1.57 |
| Milk | $4.57 | $4.67 |
| Potatoes | $5.44 | $4.93 |
| Pizza | $10.39 | $12.09 |
| Beer | $11.31 | $10.41 |
| Toothpaste | $3.69 | $3.7 |
Detailed Neptune Beach Health costs vs. Florida
| Item | Neptune Beach | Florida |
|---|---|---|
| Optometrist | $86.6 | $125.68 |
| Doctor | $100.93 | $135.78 |
| Dentist | $102.03 | $113.29 |
Detailed Neptune Beach Transportation costs vs. Florida
| Item | Neptune Beach | Florida |
|---|---|---|
| Gasoline | $3.44 | $3.46 |
| Tire Balancing | $34.43 | $59.92 |
Detailed Neptune Beach Utilities costs vs. Florida
| Item | Neptune Beach | Florida |
|---|---|---|
| All Electricity | $193.67 | $193.99 |
| Phone | $194.82 | $192.25 |
Neptune Beach SnackAbility
Cost Of Living In Cities Around Neptune Beach
The cost of living varies in the cities and towns around Neptune Beach. Here's a quick look at the cost of living in the most populous nearby places:
Jacksonville, FL has a cost of living index of 109, 0.8x Neptune Beach.
Fruit Cove, FL has a cost of living index of 130, 1.0x Neptune Beach.
Lakeside, FL has a cost of living index of 102, 0.8x Neptune Beach.
| City | Population | Cost Of Living | Vs. Neptune Beach |
|---|---|---|---|
| Jacksonville, FL | 977,670 | 109 | 0.8x |
| Fruit Cove, FL | 35,877 | 130 | 1.0x |
| Lakeside, FL | 32,105 | 102 | 0.8x |
| Oakleaf Plantation, FL | 32,070 | 115 | 0.8x |
| Fleming Island, FL | 29,766 | 117 | 0.9x |
| Nocatee, FL | 27,442 | 140 | 1.0x |
| Jacksonville Beach, FL | 23,654 | 133 | 1.0x |
| Palm Valley, FL | 19,796 | 139 | 1.0x |
| St. Marys, GA | 19,166 | 109 | 0.8x |
| Yulee, FL | 16,648 | 112 | 0.8x |
