Living in the Sunshine State is worth every penny with its near-perfect weather, top-notch beaches, and world-renowned theme parks.
But which places in Florida are the most expensive?
It turns out that the priciest places in Florida are in one of two places: the Florida Keys and around Miami.
How’d we land on these cities being the costliest in the Sunshine State? We used Saturday Night Science to compare the cost of living in the 222 cities in Florida with a population of at least 5,000. We also looked at data on the average home price from Zillow and the ratios of home price and rent to income using data from the American Community Survey.
Get ready; the data shows you need to earn at least $87,037/year to live in these fancy Florida towns.
Table Of Contents: Top Ten | Methodology | Summary | Table
The 10 Most Expensive Places To Live In Florida For 2026
What’s the most expensive place to live in Florida? Well, HomeSnacks crunched the numbers and discovered that Key Biscayne is the most expensive place to live in Florida.
Marianna (the cheapest place to live in Florida) can show these guys how to live on a budget in the coming years. Read on for how these places had costs rise faster than inflation.
And if you already knew these places were expensive, check out some more reading about Florida and the most expensive cities in the country:
The 10 Most Expensive Places To Live In Florida For 2026
/10
Population: 14,791
Cost Of Living Index: 270
Median Income: $181,505
Average Home Price: $1,658,763
Home Price To Income Ratio: 9.1x
More on Key Biscayne: Data | Crime | Cost Of Living | Movers
The overall cost of living in Key Biscayne is 270. The median income in Key Biscayne comes in at $181,505 and the average home value is $1,658,763 for 2026.
/10
Population: 9,348
Cost Of Living Index: 229
Median Income: $168,403
Average Home Price: $2,070,045
Home Price To Income Ratio: 12.3x
More on Palm Beach: Data | Crime | Cost Of Living | Movers
The overall cost of living in Palm Beach is 229. The median income in Palm Beach comes in at $168,403 and the average home value is $2,070,045 for 2026.
/10
Population: 19,704
Cost Of Living Index: 202
Median Income: $153,182
Average Home Price: $551,996
Home Price To Income Ratio: 3.6x
More on Naples: Data | Crime | Cost Of Living | Movers
The overall cost of living in Naples is 202. The median income in Naples comes in at $153,182 and the average home value is $551,996 for 2026.
/10
Population: 18,462
Cost Of Living Index: 193
Median Income: $206,417
Average Home Price: $2,172,519
Home Price To Income Ratio: 10.5x
More on Pinecrest: Data | Cost Of Living | Movers
The overall cost of living in Pinecrest is 193. The median income in Pinecrest comes in at $206,417 and the average home value is $2,172,519 for 2026.
/10
Population: 49,802
Cost Of Living Index: 191
Median Income: $134,216
Average Home Price: $1,516,825
Home Price To Income Ratio: 11.3x
More on Coral Gables: Data | Crime | Cost Of Living | Movers
The overall cost of living in Coral Gables is 191. The median income in Coral Gables comes in at $134,216 and the average home value is $1,516,825 for 2026.
/10
Population: 7,539
Cost Of Living Index: 179
Median Income: $158,030
Average Home Price: $964,716
Home Price To Income Ratio: 6.1x
More on Longboat Key: Data | Crime | Cost Of Living | Movers
The overall cost of living in Longboat Key is 179. The median income in Longboat Key comes in at $158,030 and the average home value is $964,716 for 2026.
/10
Population: 25,720
Cost Of Living Index: 174
Median Income: $87,037
Average Home Price: $1,018,284
Home Price To Income Ratio: 11.7x
More on Key West: Data | Crime | Cost Of Living | Movers
The overall cost of living in Key West is 174. The median income in Key West comes in at $87,037 and the average home value is $1,018,284 for 2026.
/10
Population: 7,656
Cost Of Living Index: 174
Median Income: $161,051
Average Home Price: $1,437,706
Home Price To Income Ratio: 8.9x
More on Southwest Ranches: Data | Crime | Cost Of Living | Movers
The overall cost of living in Southwest Ranches is 174. The median income in Southwest Ranches comes in at $161,051 and the average home value is $1,437,706 for 2026.
/10
Population: 37,178
Cost Of Living Index: 172
Median Income: $198,669
Average Home Price: $1,058,617
Home Price To Income Ratio: 5.3x
More on Parkland: Data | Crime | Cost Of Living | Movers
The overall cost of living in Parkland is 172. The median income in Parkland comes in at $198,669 and the average home value is $1,058,617 for 2026.
/10
Population: 6,418
Cost Of Living Index: 167
Median Income: $108,644
Average Home Price: $808,687
Home Price To Income Ratio: 7.4x
More on Sanibel: Data | Crime | Cost Of Living | Movers
The overall cost of living in Sanibel is 167. The median income in Sanibel comes in at $108,644 and the average home value is $808,687 for 2026.
Methodology: How We Determined The Most Expensive Places To Live In The Sunshine State For 2026
The two most important things to think about when it comes to being able to afford a city in Florida are:
- How much money do I make?
- How much do I have to spend to live there?
You need to understand your costs in the context of how much money you make.
For example, if the median household earns $100,000 and spends $40,000 on housing, it’s actually cheaper to live there than a place with a median income of $50,000 and housing costs of $21,000. You might spend more on housing, but you have more money overall to play with.
With that example in mind, we derived several statistics from the latest Census American Community Survey 2020-2024 around incomes and costs. They are:
- Overall Cost Of Living Index
- Median Home Price / Median Income (lower is better)
- Median Income / Median Rent (Higher is better)
- Median Home Price
You can then compare these metrics in each of the places in Florida to figure out which is the most expensive.
You are left with a “Cost of Living Index” by taking the average rank of each of these metrics for each city.
So we used that cost of living index to rank all of the 222 places in Florida that have more than 5,000 people.
The place with the highest cost of living in Florida according to the data is Key Biscayne. We updated this article for 2026. This article is our eleventh time ranking the most expensive places to live in Florida.
Summary: Taking A Chunk Out Of Your Paycheck In Florida For 2026
Well, there you have it, the places in Florida that have the highest cost of living, with Key Biscayne ranking as the most expensive city in the Sunshine State.
The most expensive cities in Florida are Key Biscayne, Palm Beach, Naples, Pinecrest, Coral Gables, Longboat Key, Key West, Southwest Ranches, Parkland, and Sanibel.
Here’s a look at the most affordable cities in Florida according to the data:
- Marianna
- Live Oak
- Brooksville
For more Florida reading, check out:
- Best Places To Live In Florida
- Cheapest Places To Live In Florida
- Most Dangerous Places In Florida
- Best Places To Raise A Family In Florida
- Safest Places In Florida
- Worst Places To Live In Florida
Most Expensive Cities In Florida
| Rank | City | Cost Of Living | Population | Median Income | Average Home Price | Home/Income Ratio |
|---|---|---|---|---|---|---|
| 1 | Key Biscayne | 270 | 14,791 | $181,505 | $1,658,763 | 9.1x |
| 2 | Palm Beach | 229 | 9,348 | $168,403 | $2,070,045 | 12.3x |
| 3 | Naples | 202 | 19,704 | $153,182 | $551,996 | 3.6x |
| 4 | Pinecrest | 193 | 18,462 | $206,417 | $2,172,519 | 10.5x |
| 5 | Coral Gables | 191 | 49,802 | $134,216 | $1,516,825 | 11.3x |
| 6 | Longboat Key | 179 | 7,539 | $158,030 | $964,716 | 6.1x |
| 7 | Key West | 174 | 25,720 | $87,037 | $1,018,284 | 11.7x |
| 8 | Southwest Ranches | 174 | 7,656 | $161,051 | $1,437,706 | 8.9x |
| 9 | Parkland | 172 | 37,178 | $198,669 | $1,058,617 | 5.3x |
| 10 | Sanibel | 167 | 6,418 | $108,644 | $808,687 | 7.4x |
| 11 | Marco Island | 163 | 16,205 | $101,523 | $865,675 | 8.5x |
| 12 | Surfside | 159 | 5,631 | $100,208 | $1,276,757 | 12.7x |
| 13 | Palmetto Bay | 154 | 24,639 | $142,447 | $920,527 | 6.5x |
| 14 | Weston | 153 | 68,837 | $139,825 | $730,058 | 5.2x |
| 15 | South Miami | 151 | 12,277 | $94,507 | $867,893 | 9.2x |
| 16 | Boca Raton | 148 | 100,234 | $106,273 | $562,565 | 5.3x |
| 17 | Miami Shores | 147 | 11,752 | $144,050 | $735,780 | 5.1x |
| 18 | Marathon | 145 | 9,914 | $89,355 | $825,706 | 9.2x |
| 19 | Lighthouse Point | 144 | 10,600 | $92,135 | $762,810 | 8.3x |
| 20 | Doral | 142 | 79,216 | $94,164 | $549,014 | 5.8x |
| 21 | Cooper City | 142 | 34,660 | $132,319 | $664,963 | 5.0x |
| 22 | Wellington | 141 | 62,146 | $115,632 | $648,906 | 5.6x |
| 23 | Winter Park | 141 | 30,274 | $105,724 | $464,211 | 4.4x |
| 24 | Bay Harbor Islands | 141 | 5,847 | $89,663 | $660,038 | 7.4x |
| 25 | St. Pete Beach | 140 | 8,805 | $114,583 | $600,934 | 5.2x |
| 26 | Fort Myers Beach | 140 | 5,513 | $91,291 | $494,793 | 5.4x |
| 27 | Palm Beach Gardens | 138 | 60,959 | $106,947 | $675,580 | 6.3x |
| 28 | St. Augustine Beach | 138 | 6,860 | $100,802 | $584,851 | 5.8x |
| 29 | Tequesta | 138 | 6,193 | $98,271 | $636,088 | 6.5x |
| 30 | Miami Beach | 137 | 82,031 | $72,856 | $515,964 | 7.1x |
| 31 | Miami Springs | 137 | 13,726 | $87,099 | $729,503 | 8.4x |
| 32 | Lauderdale-by-the-Sea | 137 | 6,232 | $81,655 | $712,501 | 8.7x |
| 33 | Atlantic Beach | 136 | 13,363 | $118,935 | $704,116 | 5.9x |
| 34 | Neptune Beach | 136 | 7,168 | $119,294 | $772,432 | 6.5x |
| 35 | Maitland | 135 | 19,469 | $97,150 | $480,710 | 4.9x |
| 36 | Miami Lakes | 134 | 31,553 | $101,557 | $653,606 | 6.4x |
| 37 | Wilton Manors | 134 | 11,511 | $85,392 | $576,125 | 6.7x |
| 38 | Aventura | 133 | 39,885 | $89,274 | $425,757 | 4.8x |
| 39 | Jacksonville Beach | 133 | 23,654 | $120,698 | $632,970 | 5.2x |
| 40 | Jupiter | 132 | 61,883 | $110,240 | $693,656 | 6.3x |
| 41 | Miami | 131 | 459,745 | $62,462 | $579,563 | 9.3x |
| 42 | Coral Springs | 131 | 136,103 | $93,602 | $520,101 | 5.6x |
| 43 | Sunny Isles Beach | 131 | 22,437 | $61,921 | $649,890 | 10.5x |
| 44 | North Bay Village | 131 | 8,118 | $84,405 | $388,328 | 4.6x |
| 45 | Treasure Island | 131 | 6,553 | $87,107 | $523,698 | 6.0x |
| 46 | Plantation | 130 | 96,293 | $92,541 | $496,173 | 5.4x |
| 47 | Lake Mary | 130 | 16,860 | $109,173 | $466,032 | 4.3x |
| 48 | North Palm Beach | 130 | 13,238 | $90,049 | $622,594 | 6.9x |
| 49 | Fort Lauderdale | 128 | 185,604 | $83,130 | $508,474 | 6.1x |
| 50 | Davie | 128 | 108,346 | $87,250 | $515,019 | 5.9x |
| 51 | Destin | 128 | 14,077 | $89,011 | $613,519 | 6.9x |
| 52 | West Miami | 128 | 7,162 | $61,274 | $662,495 | 10.8x |
| 53 | Punta Gorda | 126 | 20,278 | $85,779 | $335,129 | 3.9x |
| 54 | Fernandina Beach | 126 | 13,420 | $97,903 | $600,245 | 6.1x |
| 55 | Belle Isle | 126 | 7,444 | $104,559 | $533,137 | 5.1x |
| 56 | Gulf Breeze | 126 | 6,660 | $104,050 | $468,224 | 4.5x |
| 57 | Satellite Beach | 125 | 11,313 | $119,134 | $516,286 | 4.3x |
| 58 | Flagler Beach | 125 | 5,373 | $84,632 | $452,138 | 5.3x |
| 59 | Daytona Beach Shores | 125 | 5,188 | $74,392 | $365,983 | 4.9x |
| 60 | Pembroke Pines | 124 | 173,194 | $85,104 | $487,422 | 5.7x |
| 61 | Miramar | 124 | 138,600 | $89,125 | $518,019 | 5.8x |
| 62 | Oviedo | 124 | 40,599 | $117,070 | $506,154 | 4.3x |
| 63 | Cutler Bay | 123 | 45,070 | $89,244 | $564,584 | 6.3x |
| 64 | Bonita Springs | 122 | 55,904 | $95,210 | $511,964 | 5.4x |
| 65 | Safety Harbor | 121 | 17,033 | $106,830 | $495,956 | 4.6x |
| 66 | Cocoa Beach | 121 | 11,377 | $87,990 | $456,921 | 5.2x |
| 67 | Indian Harbour Beach | 121 | 9,025 | $97,254 | $457,548 | 4.7x |
| 68 | Hollywood | 120 | 155,082 | $67,203 | $439,400 | 6.5x |
| 69 | Delray Beach | 120 | 67,979 | $82,041 | $340,487 | 4.2x |
| 70 | Sarasota | 120 | 56,970 | $72,105 | $412,112 | 5.7x |
| 71 | Winter Garden | 119 | 47,872 | $106,495 | $567,352 | 5.3x |
| 72 | Royal Palm Beach | 119 | 40,344 | $96,027 | $481,809 | 5.0x |
| 73 | New Smyrna Beach | 118 | 31,974 | $83,865 | $448,437 | 5.3x |
| 74 | Venice | 118 | 27,479 | $76,755 | $379,805 | 4.9x |
| 75 | Minneola | 118 | 16,598 | $110,902 | $440,329 | 4.0x |
| 76 | West Palm Beach | 117 | 122,290 | $73,446 | $399,471 | 5.4x |
| 77 | St. Augustine | 117 | 15,351 | $78,151 | $431,116 | 5.5x |
| 78 | Tampa | 116 | 401,618 | $75,475 | $374,888 | 5.0x |
| 79 | Orlando | 116 | 319,758 | $72,336 | $374,135 | 5.2x |
| 80 | Apopka | 116 | 58,232 | $96,884 | $394,962 | 4.1x |
| 81 | Hialeah Gardens | 116 | 22,915 | $65,439 | $416,364 | 6.4x |
| 82 | Vero Beach | 116 | 17,042 | $69,758 | $362,131 | 5.2x |
| 83 | Hialeah | 115 | 226,165 | $55,594 | $443,803 | 8.0x |
| 84 | West Melbourne | 115 | 28,795 | $92,986 | $372,681 | 4.0x |
| 85 | St. Petersburg | 114 | 262,732 | $75,192 | $347,963 | 4.6x |
| 86 | Palm Coast | 114 | 98,258 | $77,350 | $342,019 | 4.4x |
| 87 | Homestead | 114 | 82,807 | $65,423 | $436,669 | 6.7x |
| 88 | Boynton Beach | 114 | 81,435 | $70,074 | $401,877 | 5.7x |
| 89 | Ocoee | 114 | 49,033 | $98,911 | $414,463 | 4.2x |
| 90 | Clermont | 114 | 46,853 | $82,306 | $429,094 | 5.2x |
| 91 | Oakland Park | 114 | 44,682 | $72,708 | $366,516 | 5.0x |
| 92 | Winter Springs | 114 | 38,951 | $92,574 | $424,493 | 4.6x |
| 93 | Panama City Beach | 114 | 18,971 | $80,941 | $412,495 | 5.1x |
| 94 | Mount Dora | 114 | 17,278 | $74,537 | $391,997 | 5.3x |
| 95 | Niceville | 114 | 16,544 | $102,409 | $437,726 | 4.3x |
| 96 | Oldsmar | 114 | 14,904 | $88,333 | $365,724 | 4.1x |
| 97 | Lantana | 114 | 12,256 | $70,012 | $414,588 | 5.9x |
| 98 | Freeport | 114 | 6,689 | $91,985 | $390,448 | 4.2x |
| 99 | Pompano Beach | 113 | 114,147 | $67,195 | $351,516 | 5.2x |
| 100 | Coconut Creek | 113 | 58,330 | $75,014 | $283,668 | 3.8x |