A Breakdown of the Cost of Living in Orlando, FL
- Housing in Orlando is 24% lower than the national average, but still relatively expensive compared to nearby areas. The city's median home price is $405,414.00—well above Ocala ($280,000), Lakeland ($310,000), and Gainesville ($295,000), reflecting steady demand from tourism and corporate relocations. If you're buying a new house in Orlando, plan to put down 15–20% of the purchase price as a down payment. Monthly mortgage payments are 25% to 35% higher here than in other Central Florida markets.
- Renting in Orlando is 5.7% higher than the national average of $1,627. A one-bedroom home in Orlando costs $1,445.00 per month, while a two-bedroom averages $2,500. Premium neighborhoods near theme parks and downtown command significantly higher rents, such as over $3,000 for houses with backyards in Orlando.
- Utilities are 2% lower than the national average. Orlando's year-round heat means your air conditioning runs constantly, which drives up electricity costs. Energy bills average $206.18 per month, while internet connectivity adds another $198.21 monthly—the premium of living in a major tourist destination.
- Food prices in Orlando are 3% higher than the national average. A gallon of milk costs $4.69, slightly higher than other parts of Florida. If you're a family of four, expect to spend $1,400 to $1,700 monthly on groceries. Single adults typically spend $500 to $700 per month, an indicator of the city's tourist-driven pricing across retail sectors.
- Transportation costs are 11.39% lower than the national average. The price of gas in Orlando, Florida, is $3.13 per gallon, due to tourism demand and the state's fuel distribution costs. Monthly car insurance premiums average $190, above the national average of $183. Parking fees in popular areas like Lake Nona, Winter Garden, and Clermont can also be hefty.
- Healthcare costs in Orlando are 20.39% lower than the national average. A routine check-up costs $128.63, compared to around $100 in smaller cities like Port St. Lucie, Pensacola, and Cape Coral. An optometry visit costs $95.93, while dental cleanings average $101.57.
- Miscellaneous expenses are 9.25% lower than the national average. This includes gym memberships ($40 a month), entertainment, and dining out. Due to Orlando's tourism-driven economy, residents often pay "visitor pricing" for everyday experiences like parking, and inflated service costs in tourist zones like International Drive.
Moving to Orlando? Expect higher costs than the national average. But at least the theme parks are fun—and the sunshine is free—just make sure your paycheck can keep up!👉 Next Step: Compare single-family homes in Orlando, Florida
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Add to that Orlando's rising grocery costs, tourism-driven utility pricing, and premium service fees, and the financial trade-off becomes hard to ignore—especially for residents competing with visitor demand.
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Miscellaneous Costs in Orlando
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- Homeowners spend $91,824.00 per year: Mortgage payments, property taxes, insurance, and home maintenance—especially in areas like Lake Nona or Winter Park—push monthly costs past $8,500. Utilities and commuting add further to the bill.
- Renters spend $53,808.00 per year: A one- or two-bedroom apartment in neighborhoods like Downtown Orlando, Conway, or Baldwin Park can cost $1,445.00 per month. Add groceries, utilities, and entertainment, and annual living expenses climb quickly.
- Families with kids spend $97,764.00 per year: Childcare, school supplies, a larger home, healthcare, and transportation drive up the budget fast. Families living in popular suburbs like Windermere or Lake Mary need six-figure incomes to keep up with the growing demands of raising children in Orlando.
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Data provided by Redfin, a national real estate brokerage.



