Orlando, FL vs. Tampa, FL: Cost of Living Comparison (2025)
Considering a move to Orlando or Tampa in 2025? Here’s a rapid-fire comparison of key living costs:
- 🏠 Median rent for a 2BR apartment: $1,800 in Orlando vs $2,100 in Tampa
- ⚡ Average monthly utility bill: $180 in Orlando vs $200 in Tampa
- 🍎 Typical grocery costs for a family of 4: $800/month in Orlando vs $850 in Tampa
- 💸 Combined state & local sales tax rate: 6.5% in Orlando vs 7% in Tampa
For a deeper dive into the cost of living in Orlando vs Tampa, read on. This article is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life expenses of living in these two Florida cities.
1. Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Orlando and Tampa stack up for typical housing options:
| Housing Type | Orlando | Tampa |
|---|---|---|
| 2BR Apartment (Median Rent) | $1,800 | $2,100 |
| 3BR House (Median Mortgage) | $1,600 | $1,800 |
🏆 Winner: Orlando. Housing costs tend to be 10-15% lower in Orlando compared to Tampa.
2. Utilities and Energy Costs
Utility bills are another key monthly expense. In Orlando, expect to pay around $180/month for electricity, water, and gas for a 2BR apartment. Costs are slightly higher in Tampa, averaging $200/month.
Both cities have similar climates, so seasonal fluctuations in energy usage are comparable. Look for off-peak electricity plans to save.
🏆 Winner: Orlando, but only by a small margin. Utility costs are similar in both cities.
3. Groceries and Daily Expenses
For groceries and everyday goods, Orlando comes out ahead. A typical family of four can expect to spend around $800/month on groceries in Orlando, while the same items would cost about $850 in Tampa.
Eating out is also slightly cheaper in Orlando. A meal for two at a mid-range restaurant averages $60 in Orlando vs $70 in Tampa.
🏆 Winner: Orlando. Expect to save 5-10% on groceries and dining out compared to Tampa.
4. Taxes and Fees
Florida has no state income tax, so the main tax considerations are property taxes and sales taxes. Orlando’s property tax rate is around 0.97%, while Tampa’s is slightly higher at 1.02%.
For sales taxes, Orlando has a combined state and local rate of 6.5%, while Tampa’s is 7%. This means everyday purchases will cost a bit more in Tampa.
🏆 Winner: Orlando. Lower property and sales tax rates give Orlando a slight edge.
5. Cost Summary Table
| Category | Orlando | Tampa |
|---|---|---|
| Housing (2BR Rent) | $1,800 | $2,100 |
| Utilities | $180 | $200 |
| Groceries | $800 | $850 |
| Transportation | $60 | $70 |
| Misc Expenses | $500 | $550 |
| Estimated Monthly Total | $3,340 | $3,770 |
6. Lifestyle Fit
While costs are generally lower in Orlando, Tampa offers its own advantages. Tampa averages 5°F cooler than Orlando in the summer months, which can mean lower air conditioning bills. Tampa also has a more walkable downtown and better public transportation.
However, Orlando’s sprawling suburbs can offer more space for the money. The median home size in Orlando is 1,800 sq ft, compared to 1,600 sq ft in Tampa. Orlando is also closer to beaches and theme parks.
7. FAQ
Is Orlando more affordable than Tampa?
Yes, Orlando is generally 10-15% cheaper than Tampa for housing, groceries, and other daily expenses.
Which city has lower rent?
Orlando has lower median rents, with a typical 2BR apartment renting for $1,800/month vs $2,100/month in Tampa.
Where is it cheaper to buy a home?
Home prices and property taxes are both lower in Orlando, making it more affordable for buyers.
8. Conclusion
Overall, Orlando comes out ahead in this cost of living comparison. A household moving from Tampa to Orlando could easily save $400 or more per month on housing and other expenses.
However, Tampa may still be the better choice for those prioritizing walkability, public transit, or cooler summers. Ultimately, the right city depends on your personal budget and lifestyle preferences.
For more details on Orlando living costs, check out our guides on Monthly Budget Examples for Orlando Residents and Cost of Living in Orlando (2025 Guide). We also have similar cost of living comparisons for other major Florida cities.