C
15%
Overall NAT. AVG.
7%
Goods & Services NAT. AVG.
58%
Housing NAT. AVG.
Search Homes for Sale
Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Pebble Creek Florida National
Cost of living11598100
Goods & Services9398100
Groceries10099100
Health care9296100
Housing15896100
Transportation10099100
Utilities9997100

An Overview of Cost of Living in Pebble Creek, FL

Are you thinking about relocating, but curious about the potential cost of living in Pebble Creek? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Pebble Creek stands at 115, making it 15% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

Housing costs make up a big chunk of the cost of living in Pebble Creek, and they usually eat into a large part of your take-home pay. Unfortunately, in this area, both buying a home and renting one costs 57.6% more than the average city. This includes stuff like home prices, rent, mortgage rates, and insurance.

Is Pebble Creek Affordable?

Wondering if Pebble Creek is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Pebble Creek, for example, the median home price is 55% higher than what folks pay nationally, and monthly rent is 63.8% higher than the usual rates. Plus, income levels matter too, with Pebble Creek boasting a median household income of $94,118, which is 70.1% higher than the national average.

What Factors can Influence the Cost of Living in Pebble Creek?

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Pebble Creek, the utilities index registers 1.1% lower than the national average.

Urbanization: Urban areas with extensive amenities and job opportunities tend to have a higher cost of living due to increased demand for services and relocation, resulting in higher home prices and higher rents. Less densely populated rural areas, or areas with less demand tend to have fewer amenities and slower job growth, which results in a lower cost of living.

Taxes: Cities that enforce higher taxes, covering both sales taxes and income taxes, can be a factor contributing to a higher cost of living. Paying more in taxes for everyday essentials like clothing and food inevitably leads to higher expenses. A higher income tax rate can further contribute to an overall elevated cost of living. In Pebble Creek, the baseline sales tax rate begins at 6%, and income tax rates start at 0%.

Where is the Data From?

The Pebble Creek cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Pebble Creek is 17% higher than the Florida average
  • The cost of living in Pebble Creek is 15% higher than the national average
  • Pebble Creek housing is 58% higher than the national average
  • Florida general sales tax is 18% higher than the national average
  • Florida state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Pebble Creek

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Compare Pebble Creek, FL Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$104,315$8,693$2,434$3,130
      Renters$56,339$4,695$1,314$1,690
      A good indicator of the general affordability of housing in Pebble Creek, FL, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Pebble Creek, the median monthly income is $104,315 for those who own their own homes. Under the standard rule, that income level would allow for $2,434 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $56,339, per the median income in the area. That would allow for renters to spend up to $1,314 on monthly rental expenses.

      Florida Sales Tax

      State General Sales Tax With Max Surtax
      Florida 6% 7.5%

      Florida Income Tax

      State Income Tax (Low) Income Tax (High)
      Florida 0% 0%

      Goods & Services

      Item Pebble Creek National avg. Difference
      Haircut $15.67$24.2635.4%
      Beauty Salon $54.72$45.5620.1%
      Toothpaste $3.67$3.700.8%
      Shampoo $1.48$1.2815.3%
      Movie $8.61$12.1329.1%
      Bowling $19.67$18.009.3%

      Groceries

      Item Pebble Creek National avg. Difference
      Ground Beef $6.06$5.843.8%
      Fried Chicken $1.48$1.575.7%
      Milk $4.56$4.672.3%
      Potatoes $5.34$4.938.1%
      Pizza $8.38$12.0930.6%
      Beer $10.69$10.412.6%

      Health Care

      Item Pebble Creek National avg. Difference
      Optometrist $146.67$125.6816.7%
      Doctor $122.32$135.789.9%
      Dentist $103.33$113.298.8%
      Ibuprofen $10.74$10.650.8%
      Lipitor $523.90$468.6011.8%

      Housing

      Item Pebble Creek National avg. Difference
      Home Price $286,200.00$184,700.0055.0%
      Avg. Mortgage Payment $1,846.50$2,346.6921.3%
      Apartment Rent $1,554.00$949.0063.8%

      Transportation

      Item Pebble Creek National avg. Difference
      Gasoline $3.42$3.461.0%
      Tire Balancing $57.28$59.924.4%

      Utilities

      Item Pebble Creek National avg. Difference
      All Electricity $219.66$193.9913.2%
      Phone $194.37$192.251.1%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Zephyrhills South, FL5,2487921.3%
      Zephyrhills West, FL5,4098416.3%
      Zephyrhills North, FL3,6368515.4%
      Crystal Springs, FL8728811.9%
      Zephyrhills, FL16,0628911.4%
      Pebble Creek, FL11,13511514.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      South Dundas, ON11,130n/a 
      Yorktown, IN11,128927.9%
      Carignan, QC11,123n/a 
      Goulds, FL11,14711312.6%
      Lake Morton-Berrydale, WA11,11814443.7%
      Pebble Creek, FL11,13511514.6%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.