“Living comfortably in Clermont is doable if you plan your budget right,” says Tina, a 34-year-old nurse who moved to the city last year. “For me and my husband, it takes about $5,500 per month to cover our essentials and still enjoy going out sometimes.”
When it comes to how much it costs to live comfortably in Clermont in 2025, the answer depends on your household size, lifestyle, and expectations. For many residents, “comfortable living” includes covering necessary expenses like housing and healthcare, while still having some room for savings, hobbies, and local entertainment. Typical benchmarks suggest a gross monthly income (pre-tax) of at least $4,000 for a single adult or $6,000+ for a family to live comfortably in this growing Orlando suburb.
Essential Monthly Costs in Clermont
Before diving into total comfortable income targets, it’s important to understand the essential monthly expenses for Clermont households. According to recent data, a single adult needs to budget for the following necessities:
- Housing (1BR apartment): $1,400
- Utilities: $180
- Transportation: $350
- Groceries: $400
- Healthcare: $450
| Expense | Monthly Cost |
|---|---|
| Housing | $1,400 |
| Utilities | $180 |
| Transportation | $350 |
| Groceries | $400 |
| Healthcare | $450 |
| Total | $2,780 |
🏆 Quick Stat: Average rent for a 1BR apartment in Clermont is $1,400/month.
Comfortable Lifestyles by Household Type
So how much does it take to live comfortably in Clermont once you factor in a few extras beyond the bare necessities? Here’s a breakdown of gross monthly income needs by household type:
| Household | Comfortable Income | Notes |
|---|---|---|
| Single adult | $4,000+ | Allows for some dining out, hobbies, and $500+ in monthly savings |
| Couple, no kids | $5,500+ | Covers a 1-2BR apartment, one vehicle, and discretionary spending |
| Family of 4 | $7,500+ | Budgets for childcare, larger housing, higher food and healthcare costs |
Keep in mind, these comfortable living amounts require some tradeoffs. For example, a couple may need to opt for a 1BR apartment instead of a 2BR to enjoy more financial breathing room. Families who value savings, frequent travel, or private education may need higher incomes to support those priorities in Clermont.
Hidden or Overlooked Costs
When planning your Clermont budget, don’t forget to account for these often hidden or irregular expenses:
- HOA fees, which can add $200-$400/month
- Childcare, which averages $900/month per child
- Tolls and parking if you commute to Orlando
- Higher electric bills in summer to run the A/C
Ways to Stretch Your Budget in Clermont
Fortunately, Clermont offers several ways to keep expenses under control:
The city’s energy utility offers free energy audits and rebates for efficiency upgrades. Installing solar panels or a smart thermostat can help you save on cooling costs during hot summers.
Clermont is also home to several discount grocery stores like Aldi and Walmart Neighborhood Market. Buying staples in bulk and cooking at home more often can significantly reduce your food spending.
Finally, try to plan ahead for one-time expenses like annual HOA fees, summer camp enrollment, or holiday travel. Setting aside money each month will help you avoid surprises to your budget.
Which Lifestyle Fits You Best?
Ultimately, the income needed to live comfortably in Clermont comes down to your unique household needs and values. Consider these common scenarios:
If you value space and privacy, a $4,500+/month lifestyle may be more realistic. This allows for a 2BR apartment or small home, solo commuting, and some budget for décor and hosting.
Young couples or recent grads may feel comfortable with $4,000/month to start, if they’re willing to have a roommate, use public transit, and limit extras like travel and subscriptions.
For families to live comfortably, $7,500/month is a more practical minimum. This covers childcare, a 3BR home, multiple vehicles, and youth activities. Double-income households bringing in $100k+ combined often achieve this target.
FAQs About Comfort & Cost in Clermont
What is a comfortable salary in Clermont?
For a single person, a gross salary of $48,000 ($4,000/month) is a comfortable starting point. Couples can live well on $66,000 ($5,500/month), while families may need $90,000+ ($7,500/month) to cover all expenses.
Can you live comfortably on $3,000/month in Clermont?
$3,000/month is doable for a single adult in Clermont if you keep housing costs low and limit extras like dining out. However, most people would need $4,000+ to have any significant savings or discretionary spending.
What costs surprise new Clermont residents?
New residents are often caught off guard by high utility bills in summer, when temps are in the 90s and A/C is a must. HOA fees, tolls for commuting, and higher car insurance rates can also surprise transplants.
Final Thoughts on Affording a Comfortable Clermont Life
While Clermont’s living costs are lower than Orlando and other major FL metros, it still takes intentional budgeting to live comfortably. For most households, a gross monthly income between $4,000 and $8,000 is needed to cover essentials, save a little, and enjoy some extras.
Of course, your mileage may vary depending on your lifestyle and circumstances. Use tools like a [Monthly Budget Examples for Clermont Residents](/clermont-fl/monthly-budget/) to map out your own spending and see how it aligns with local benchmarks. You can also dive deeper into local living costs with our full [Cost of Living in Clermont (2025 Guide)](/clermont-fl/cost-overview/).