What is the cost of living in Willow Oak, FL?
According to the most recent data on the cost of living, Willow Oak has an overall cost of living index of 98, which is 1.0x lower than the national index of 100.
Compared to Florida, Willow Oak has a cost of living index that's 0.9x lower than Florida's index of 104.
The standard of living in Willow Oak ranks as #71 most affordable out of the 462 places we measured in Florida. By definition, that implies Willow Oak ranks as the #391 most expensive place in the Sunshine State.
For more reading on life in Willow Oak, check out:
Willow Oak Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Willow Oak. Here is how it fares on each of the criteria:
The Services index in Willow Oak is 105.
The Groceries index in Willow Oak is 104.
The Health index in Willow Oak is 82.
The Housing index in Willow Oak is 100.
The Transportation index in Willow Oak is 114.
The Utilities index in Willow Oak is 108.
| Living Expense | Willow Oak | Florida | National Average |
|---|---|---|---|
| Overall | 98 | 104 | 100 |
| Services | 105 | 101 | 100 |
| Groceries | 104 | 105 | 100 |
| Health | 82 | 99 | 100 |
| Housing | 100 | 104 | 100 |
| Transportation | 114 | 109 | 100 |
| Utilities | 108 | 105 | 100 |
Willow Oak 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 Willow Oak Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Willow Oak, 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 Willow Oak is $289,123.
The Median Rent in Willow Oak is $1,117.
The Median Income in Willow Oak is $65,688.
The Home Value To Income in Willow Oak is 4.4x.
The Rent To Monthly Income in Willow Oak is 0.2x.
| Statistic | Willow Oak | Florida | United States |
|---|---|---|---|
| Median Home Value | $289,123 | $375,661 | $332,700 |
| Median Rent | $1,117 | $1,669 | $1,413 |
| Median Income | $65,688 | $74,568 | $80,734 |
| Home Value To Income | 4.4x | 5.0x | 4.1x |
| Rent To Monthly Income | 0.2x | 0.27x | 0.21x |
Willow Oak, FL Costs By Category
Detailed Willow Oak Services costs vs. Florida
| Item | Willow Oak | 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 Willow Oak Groceries costs vs. Florida
| Item | Willow Oak | 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 Willow Oak Health costs vs. Florida
| Item | Willow Oak | Florida |
|---|---|---|
| Optometrist | $146.67 | $125.68 |
| Doctor | $122.32 | $135.78 |
| Dentist | $103.33 | $113.29 |
Detailed Willow Oak Transportation costs vs. Florida
| Item | Willow Oak | Florida |
|---|---|---|
| Gasoline | $3.42 | $3.46 |
| Tire Balancing | $57.28 | $59.92 |
Detailed Willow Oak Utilities costs vs. Florida
| Item | Willow Oak | Florida |
|---|---|---|
| All Electricity | $219.66 | $193.99 |
| Phone | $194.37 | $192.25 |
Willow Oak SnackAbility
Cost Of Living In Cities Around Willow Oak
The cost of living varies in the cities and towns around Willow Oak. Here's a quick look at the cost of living in the most populous nearby places:
Lakeland, FL has a cost of living index of 104, 1.1x Willow Oak.
Brandon, FL has a cost of living index of 108, 1.1x Willow Oak.
Riverview, FL has a cost of living index of 113, 1.2x Willow Oak.
| City | Population | Cost Of Living | Vs. Willow Oak |
|---|---|---|---|
| Lakeland, FL | 119,961 | 104 | 1.1x |
| Brandon, FL | 119,767 | 108 | 1.1x |
| Riverview, FL | 113,697 | 113 | 1.2x |
| Valrico, FL | 40,239 | 115 | 1.2x |
| Fish Hawk, FL | 26,186 | 131 | 1.3x |
| Bloomingdale, FL | 23,827 | 117 | 1.2x |
| Bartow, FL | 20,438 | 97 | 1.0x |
| Auburndale, FL | 18,530 | 103 | 1.1x |
| Lakeland Highlands, FL | 12,102 | 122 | 1.2x |
| Medulla, FL | 10,985 | 108 | 1.1x |
