What is the cost of living in Safety Harbor, FL?
According to the most recent data on the cost of living, Safety Harbor has an overall cost of living index of 121, which is 1.2x higher than the national index of 100.
Compared to Florida, Safety Harbor has a cost of living index that's 1.2x higher than Florida's index of 104.
The standard of living in Safety Harbor ranks as #344 most affordable out of the 462 places we measured in Florida. By definition, that implies Safety Harbor ranks as the #118 most expensive place in the Sunshine State.
For more reading on life in Safety Harbor, check out:
Safety Harbor Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Safety Harbor. Here is how it fares on each of the criteria:
The Services index in Safety Harbor is 101.
The Groceries index in Safety Harbor is 102.
The Health index in Safety Harbor is 157.
The Housing index in Safety Harbor is 102.
The Transportation index in Safety Harbor is 108.
The Utilities index in Safety Harbor is 100.
| Living Expense | Safety Harbor | Florida | National Average |
|---|---|---|---|
| Overall | 121 | 104 | 100 |
| Services | 101 | 101 | 100 |
| Groceries | 102 | 105 | 100 |
| Health | 157 | 99 | 100 |
| Housing | 102 | 104 | 100 |
| Transportation | 108 | 109 | 100 |
| Utilities | 100 | 105 | 100 |
Safety Harbor 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 Safety Harbor Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Safety Harbor, 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 Safety Harbor is $495,956.
The Median Rent in Safety Harbor is $1,743.
The Median Income in Safety Harbor is $106,830.
The Home Value To Income in Safety Harbor is 4.6x.
The Rent To Monthly Income in Safety Harbor is 0.2x.
| Statistic | Safety Harbor | Florida | United States |
|---|---|---|---|
| Median Home Value | $495,956 | $375,661 | $332,700 |
| Median Rent | $1,743 | $1,669 | $1,413 |
| Median Income | $106,830 | $74,568 | $80,734 |
| Home Value To Income | 4.6x | 5.0x | 4.1x |
| Rent To Monthly Income | 0.2x | 0.27x | 0.21x |
Safety Harbor, FL Costs By Category
Detailed Safety Harbor Services costs vs. Florida
| Item | Safety Harbor | Florida |
|---|---|---|
| Shampoo | $1.48 | $1.28 |
| Movie | $8.61 | $12.13 |
| Bowling | $19.67 | $18 |
| Haircut | $15.67 | $24.26 |
| Beauty Salon | $54.72 | $45.56 |
Detailed Safety Harbor Groceries costs vs. Florida
| Item | Safety Harbor | Florida |
|---|---|---|
| Ground Beef | $6.06 | $5.84 |
| Fried Chicken | $1.48 | $1.57 |
| Milk | $4.56 | $4.67 |
| Potatoes | $5.34 | $4.93 |
| Pizza | $8.38 | $12.09 |
| Beer | $10.69 | $10.41 |
| Toothpaste | $3.67 | $3.7 |
Detailed Safety Harbor Health costs vs. Florida
| Item | Safety Harbor | Florida |
|---|---|---|
| Optometrist | $146.67 | $125.68 |
| Doctor | $122.32 | $135.78 |
| Dentist | $103.33 | $113.29 |
Detailed Safety Harbor Transportation costs vs. Florida
| Item | Safety Harbor | Florida |
|---|---|---|
| Gasoline | $3.42 | $3.46 |
| Tire Balancing | $57.28 | $59.92 |
Detailed Safety Harbor Utilities costs vs. Florida
| Item | Safety Harbor | Florida |
|---|---|---|
| All Electricity | $219.66 | $193.99 |
| Phone | $194.37 | $192.25 |
Safety Harbor SnackAbility
Cost Of Living In Cities Around Safety Harbor
The cost of living varies in the cities and towns around Safety Harbor. Here's a quick look at the cost of living in the most populous nearby places:
Clearwater, FL has a cost of living index of 112, 0.9x Safety Harbor.
Largo, FL has a cost of living index of 101, 0.8x Safety Harbor.
Palm Harbor, FL has a cost of living index of 114, 0.9x Safety Harbor.
| City | Population | Cost Of Living | Vs. Safety Harbor |
|---|---|---|---|
| Clearwater, FL | 117,247 | 112 | 0.9x |
| Largo, FL | 82,617 | 101 | 0.8x |
| Palm Harbor, FL | 61,512 | 114 | 0.9x |
| Pinellas Park, FL | 53,560 | 102 | 0.8x |
| Carrollwood, FL | 36,725 | 115 | 1.0x |
| Dunedin, FL | 36,062 | 110 | 0.9x |
| East Lake, FL | 33,283 | 127 | 1.0x |
| Citrus Park, FL | 28,804 | 119 | 1.0x |
| Lutz, FL | 27,106 | 122 | 1.0x |
| Keystone, FL | 25,858 | 134 | 1.1x |
