Seminole, FL vs. Brandon, FL: Cost of Living Comparison (2025)
Which Tampa suburb gives you more for your money – Seminole or Brandon? This 2025 cost of living comparison is perfect for families relocating, professionals choosing between job offers, or anyone weighing the real-life expenses of living in Seminole vs Brandon.
1. Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Seminole and Brandon stack up for common housing options:
| Housing Type | Seminole | Brandon |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $1,350 | $1,500 |
| 3BR House (Median Price) | $325,000 | $360,000 |
🏆 Winner: Seminole. Rent and home prices tend to be 10-15% lower in Seminole compared to Brandon.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect to pay around $180/month for electricity, water, and gas for a 2BR apartment in either Seminole or Brandon.
Both cities experience hot, humid summers, so budget more for A/C from June through September. Check for off-peak energy plans to save.
🏆 Winner: Tie. Utility costs are comparable in Seminole and Brandon.
3. Groceries and Daily Expenses
Groceries, dining out, and everyday purchases cost about the same in Seminole and Brandon. Expect to spend around $350-$450/month on groceries for a single person, or $800+ for a family of four.
Restaurant prices are reasonable in both cities, with plenty of affordable chain options. A meal for two averages $40-50 at a mid-range spot.
🏆 Winner: Tie. The cost of food and daily goods is similar in both suburbs.
4. Taxes and Fees
Florida has no state income tax, so your take-home pay will stretch further than in many other states. However, Seminole’s cost of living guide notes that property taxes and HOA fees can add up.
Seminole’s property tax rate is around 1.1%, while Brandon’s is closer to 1.3%. For a $350,000 home, that’s a difference of $700/year.
🏆 Winner: Seminole. Lower property taxes give Seminole a slight edge.
5. Cost Summary Table
| Category | Seminole | Brandon |
|---|---|---|
| Housing (3BR Home) | $1,900 | $2,100 |
| Utilities | $180 | $180 |
| Groceries | $400 | $400 |
| Transportation | $60 | $60 |
| Taxes (Property) | $300 | $390 |
| Misc | $250 | $250 |
| Estimated Monthly Total | $3,090 | $3,380 |
Figures shown are estimates for a family of 3-4, expressed as gross monthly costs (pre-tax). See Seminole’s average monthly expenses for more budget benchmarks.
6. Lifestyle Fit
Seminole offers a quieter, more residential vibe, with larger lots and more green space. It’s great for families who value extra room.
Brandon has a bit more bustle, with easier access to shopping, dining and entertainment. Commutes into Tampa are 10-15 minutes shorter from Brandon.
7. FAQ
Is Seminole more affordable than Brandon?
Yes, Seminole tends to be 5-10% cheaper than Brandon overall, mainly due to lower housing costs.
Which city has lower rent?
Seminole has lower rent on average. Expect to pay $100-200 less per month compared to similar apartments in Brandon.
Where is it cheaper to buy a home?
Seminole has lower home prices and property taxes. Buying in Seminole vs Brandon could save you $35,000 on a typical 3BR house.
8. Conclusion
Seminole comes out ahead on housing and taxes, making it more affordable than Brandon for most households. A family moving from Brandon to Seminole might save $300-400/month on living costs.
However, Brandon can be worth the premium for those who value a shorter commute and more dining and shopping options. Compare cost of living guides for other Tampa suburbs to find your ideal fit!