Lutz, FL vs. Brandon, FL: Cost of Living Comparison (2025)
Deciding between Lutz and Brandon, two popular Tampa suburbs? This cost of living comparison breaks down housing, utilities, groceries and more to help you choose the best fit for your budget and lifestyle in 2025. All income figures are expressed in gross monthly income (pre-tax).
Imagine Sarah, a single professional considering a job offer in each city. Her salary would be $5,000 per month in Lutz or $5,200 in Brandon. She’s comparing her key monthly expenses:
- 1BR apartment rent: $1,450 in Lutz, $1,550 in Brandon
- Utilities: $120 in Lutz, $140 in Brandon
- Groceries: $350 in Lutz, $380 in Brandon
Right away, Lutz looks cheaper by about $150/month. But let’s dig into the details.
Housing Costs
Housing is usually the biggest factor in cost of living. Here’s how typical rents and home prices compare:
| Housing Type | Lutz | Brandon |
|---|---|---|
| 2BR Apartment Rent | $1,800 | $1,950 |
| 3BR Home Price | $450,000 | $480,000 |
🏆 Winner: Lutz. Renting a 2BR apartment costs about $150 less per month, and buying a home saves around $30,000.
Utilities and Energy Costs
In Florida’s hot summers, air conditioning drives up electric bills. Typical monthly utility costs:
- Lutz: $120-150
- Brandon: $130-160
Winter heating costs are minimal. Both cities offer off-peak usage plans to help manage summer bills.
🏆 Winner: Lutz, but only by about $10-20/month.
Groceries and Daily Expenses
Grocery costs are similar in Lutz and Brandon, with Lutz averaging about 5% cheaper. For a family of 4, expect to spend around $900/month in Lutz vs. $950 in Brandon.
Restaurant prices are nearly identical. A meal for two averages $50-60 in both cities.
🏆 Winner: Lutz, with minor monthly savings on groceries.
Taxes and Fees
Florida has no state income tax, so paycheck withholdings are identical. But there are a few differences:
- Property Taxes: 1.1% in Lutz, 1.3% in Brandon
- HOA Fees: $200-300/month in most Lutz neighborhoods, $250-350 in Brandon
🏆 Winner: Lutz. Lower property taxes and HOA fees add up, especially for homeowners.
Cost Summary
| Expense | Lutz | Brandon |
|---|---|---|
| Housing (2BR rent) | $1,800 | $1,950 |
| Utilities | $135 | $145 |
| Groceries | $900 | $950 |
| Transportation | $300 | $300 |
| Taxes (1.1% vs 1.3%) | $413 | $488 |
| Misc | $500 | $500 |
| Estimated Monthly Total | $4,048 | $4,333 |
Lifestyle Fit
Lutz offers a quieter suburban feel, with more spacious yards but longer commutes to Tampa. Brandon averages 5°F warmer than Lutz in July. Both have good schools and low crime rates.
Lutz is more walkable, while Brandon has better public transit. Traffic and noise levels are similar.
FAQ
Is Lutz more affordable than Brandon?
Yes, Lutz has lower housing, grocery, and utility costs than Brandon. Expect to save around $200-300/month on major expenses.
Which city has lower rent?
Lutz. A typical 2BR apartment rents for $1,800/month, vs. $1,950 in Brandon.
Where is it cheaper to buy a home?
Lutz, by about $30,000 for a comparable 3BR house. Lutz also has lower property taxes and HOA fees.
The Bottom Line
For most lifestyles and budgets, Lutz offers a lower cost of living than Brandon. Families and young professionals can save on housing, taxes, and daily expenses. Retirees may prefer Brandon’s warmer climate and transit options.
Of course, there’s more to consider than just cost. Compare each city’s average monthly expenses, housing and taxes, and unique lifestyle factors. Visiting in person can also help you decide which community feels like home.