Cost Of Living in Surfside, FL

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	Surfside	Florida	National
Cost of living	159	98	100
Goods & Services	106	98	100
Groceries	104	99	100
Health care	96	96	100
Housing	286	96	100
Transportation	103	99	100
Utilities	103	97	100

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Cost Of Living Quick Facts

The cost of living in Surfside is 63% higher than the Florida average
The cost of living in Surfside is 59% higher than the national average
Surfside housing is 186% 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

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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	$93,929	$7,827	$2,192	$2,818
Renters	$36,840	$3,070	$860	$1,105

A good way to judge both the affordability of the housing and the cost of living in Surfside is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Surfside has a median income of about $93,929 for people who own homes. Based on that number, a maximum of $2,192 should be spent on expenses related to housing. Renters have a slightly different median income, which is $36,840. Based on this average, renters should spend no more than $860 on all rental costs if they want to maintain a non-impoverished standard of living.

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	Surfside	National avg.	Difference
Haircut	$20.53	$24.26	15.4%
Beauty Salon	$88.07	$45.56	93.3%
Toothpaste	$3.51	$3.70	5.2%
Shampoo	$1.53	$1.28	19.7%
Movie	$14.35	$12.13	18.2%
Bowling	$23.67	$18.00	31.5%

Groceries

Item	Surfside	National avg.	Difference
Ground Beef	$6.11	$5.84	4.6%
Fried Chicken	$1.40	$1.57	11.2%
Milk	$4.60	$4.67	1.5%
Potatoes	$5.24	$4.93	6.2%
Pizza	$14.13	$12.09	16.9%
Beer	$11.44	$10.41	9.9%

Health Care

Item	Surfside	National avg.	Difference
Optometrist	$98.49	$125.68	21.6%
Doctor	$127.08	$135.78	6.4%
Dentist	$107.83	$113.29	4.8%
Ibuprofen	$11.10	$10.65	4.2%
Lipitor	$490.35	$468.60	4.6%

Housing

Item	Surfside	National avg.	Difference
Home Price	$619,300.00	$184,700.00	235.3%
Avg. Mortgage Payment	$3,109.00	$2,346.69	32.5%
Apartment Rent	$1,631.00	$949.00	71.9%

Transportation

Item	Surfside	National avg.	Difference
Gasoline	$3.49	$3.46	0.8%
Tire Balancing	$64.09	$59.92	7.0%

Utilities

Item	Surfside	National avg.	Difference
All Electricity	$200.94	$193.99	3.6%
Phone	$194.37	$192.25	1.1%

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.
Medley, FL	1,053	87	12.6%
Pembroke Park, FL	6,716	89	10.9%
Gladeview, FL	13,490	98	1.8%
Opa-locka, FL	16,008	101	0.7%
West Little River, FL	32,293	103	3.3%
Surfside, FL	5,665	159	58.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Webster, NY	5,666	97	3.0%
Meadow Lake, SK	5,663	n/a
Holdenville, OK	5,662	76	23.9%
Valparaiso, FL	5,669	109	9.2%
Armstrong, BC	5,660	n/a
Surfside, FL	5,665	159	58.8%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Surfside, FL