Living comfortably in Orlando, FL in 2025 requires a gross monthly income of around $5,600 for a couple or $7,400 for a family of four, according to recent estimates. While housing costs in Orlando remain lower than many major metros, everyday expenses add up. Here’s a closer look at the real cost of living in The City Beautiful.
Housing Costs in Orlando
Housing is the biggest expense for most Orlando residents. A typical 2-bedroom apartment rents for $1,900 to $2,400 per month, while a 3-bedroom house ranges from $2,600 to $3,200 depending on the neighborhood. Buying a home is still relatively affordable, with median prices around $450,000 for a single-family house.
Costs vary significantly by area. Renting in trendy neighborhoods near downtown like Thornton Park or Lake Eola Heights tends to be pricier, while further-out suburbs offer more space for less. For buyers, hot spots like Winter Park and Lake Nona command a premium. Townhomes and condos provide a lower-cost option, typically in the $300,000s.
Many Orlando neighborhoods have homeowners associations (HOAs) that cover amenities and maintenance. Monthly HOA fees usually fall between $200 and $500 but can top $1,000 in luxury developments. Renters may have some utilities included, but should budget extra for in-unit washer/dryers or parking.
Utility Costs
Basic utilities for a 1,000 square foot Orlando apartment average around $180 per month. That includes $120 for electricity, $30 for water, and $30 for gas. High summer temperatures mean heavy air conditioning use from May through September. Expect cooling costs to spike by 20-30% during those months.
Most homes are electric-only, so gas is less common. Water/sewer fees are often lower in Orlando than other major Florida cities. Trash and recycling pickup is typically included in city or HOA fees. Internet and cable plans start at $50 per month for basic service.
| Utility | Typical Monthly Cost |
|---|---|
| Electricity | $120 |
| Water + Sewer | $30 |
| Gas (if applicable) | $30 |
| Internet | $50+ |
Groceries and Food
Feeding a family in Orlando costs around $400 per person per month, on par with the national average. That covers groceries plus occasional meals out. Cooking most meals at home is the biggest savings tip.
Publix is the dominant supermarket chain, but Walmart, ALDI, and Target offer budget-friendly alternatives. Farmers markets like the Orlando Farmers Market and Lake Eola Sunday Market provide fresh local produce and artisanal goods. Eating out can add up fast, with dinner for two at a mid-range restaurant easily topping $50.
Taxes and Fees
Florida has no state income tax, which helps offset other costs. However, Orlando residents pay a 6.5% sales tax on most purchases and a roughly 1.03% property tax rate. For a $450,000 assessed home value, that equals $4,635 per year or $386 per month.
Vehicle registration fees are $225 for a new car and $50-$70 to renew. Drivers also face tolls on major roads like State Road 408, 417, and 429. Expect to pay $50-$100 per month in tolls if commuting via highway. Ride shares, city parking, and theme park visits can mean added costs too.
Monthly Cost Summary
| Expense Category | Single Adult | Couple | Family of 4 |
|---|---|---|---|
| Housing (rent for 2BR or mortgage for 3BR) | $1,400 | $2,000 | $2,800 |
| Utilities | $150 | $200 | $300 |
| Groceries & Dining Out | $400 | $800 | $1,600 |
| Transportation & Tolls | $200 | $300 | $400 |
| Health Insurance | $300 | $600 | $1,200 |
| Entertainment & Misc. | $250 | $400 | $600 |
| Taxes & Fees (ex. income tax) | $300 | $400 | $500 |
| Monthly Total (Gross) | $3,000 | $4,700 | $7,400 |
These figures represent gross monthly income needed to afford typical expenses. Individuals can get by on less, while those seeking more space or amenities should budget more. For most, $5,000 to $6,000 in gross monthly income provides a comfortable standard of living.
Lifestyle Factors
The cost of living is just one consideration when choosing where to live. Orlando offers a unique set of perks and tradeoffs:
- Newer homes in master-planned communities like Lake Nona and Horizon West come with more amenities but longer commute times of 30+ minutes.
- Closer-in neighborhoods like College Park and Audubon Park offer walkability and character but higher prices and smaller lots.
- Easy access to world-class beaches, theme parks, and golf helps explain why Orlando welcomes 75 million visitors per year.
- The metro area has a diverse job market but lower wages than cities like Miami, Tampa, or Jacksonville.
Ultimately, the right neighborhood comes down to one’s budget, lifestyle, and priorities. Renters can explore different areas before settling down. Buyers should weigh school zones, crime rates, and resale potential when house hunting.
Frequently Asked Questions
What salary do you need to live in Orlando?
To afford a typical 2-bedroom apartment or starter home, an individual needs to earn at least $50,000 per year ($4,200/month) before taxes. A family of four requires closer to $90,000 per year ($7,500/month) to live comfortably.
Is Orlando cheaper than Miami?
Yes, the cost of living in Orlando is about 10% lower than in Miami as of 2025. Housing costs 20-30% less in Orlando while everyday expenses like groceries, utilities, and transportation are marginally lower.
What is the cheapest place to live in Orlando?
Pine Hills, Orlovista, and Lockhart are among the most affordable neighborhoods, with median rents under $1,000 for a 1-bedroom. Further out, Apopka and Saint Cloud offer budget-friendly suburban living.
Is Orlando a good place to retire?
Orlando can be an attractive retirement spot for its sunny weather, senior-friendly tax laws, and abundance of golf courses and leisure activities. The Villages, a 55+ community, is a popular option just north of the city.
How much are property taxes in Orlando?
The average property tax rate in Orlando is 1.03%, slightly below the 1.07% national average. For a home assessed at $450,000, annual taxes would be approximately $4,635 or $386 per month.
What everyday costs are higher in Orlando?
Transportation expenses tend to be higher than average, due to highway tolls and the need for a car in most areas. Utilities and insurance also rank above the national mean. Groceries, healthcare, and home services are more in line with U.S. norms.
Are theme park tickets a major cost for locals?
Not necessarily. While a one-day Disney World ticket tops $100, most locals visit sparingly or invest in annual passes. Many Orlando residents work in hospitality and receive employee discounts.