Cost of living in Miami, FL
Livability score 57 · cost-of-living index 112.1 (US = 100)
How Miami compares
Where Miami falls within the range of all 200 metros (marker = this city).
Map of Miami
Grocery stores, parks, golf courses and more — real listings. Toggle categories in the legend.
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Cost of living
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Cost-of-living index (US=100) | 112.1 | metro-area | #191 of 200 |
| Grocery index (US=100) | 101.8 | metro-area | #165 of 200 |
| Big Mac price (est.) | $6.38 | metro-area | #191 of 200 |
| Median household income | $69,085 | metro-area | #111 of 200 |
| Median wage (all occupations) | $37,974 | metro-area | #127 of 200 |
Who lives here
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Median age | 41.9 years | metro-area | #174 of 200 |
| Bachelor's degree or higher (25+) | 35.6% | metro-area | #75 of 200 |
| Foreign-born residents | 41.9% | metro-area | #1 of 200 |
| Homes that are owner-occupied | 60.4% | metro-area | #172 of 200 |
Economy
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Unemployment rate | 5.24% | metro-area | #108 of 200 |
| Population growth (5-yr) | +1.7% | metro-area | #139 of 200 |
Housing — what your money buys
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Median home price | $475,622 | metro-area | #163 of 200 |
| Home price ÷ income (affordability) | 6.9× | metro-area | #180 of 200 |
| 1-yr home appreciation | -2.9% | metro-area | #188 of 200 |
| Price per square foot | $257 | metro-area | #158 of 200 |
| Typical home size (implied) | 1,850 sqft | ||
| Median rent (monthly) | $2,693 | metro-area | #186 of 200 |
| Homes for sale (inventory) | 52,594 | ||
| Median days on market | 52 | metro-area | #192 of 200 |
Taxes
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Total tax burden (est. % of income) | 9.1% | state | #38 of 200 |
| Combined sales tax | 7.02% | state | #69 of 200 |
| State income tax (top rate) | None | ||
| Capital gains tax | None | state | #1 of 200 |
| High earners | No special surtax | ||
| Social Security in retirement | Not taxed — has no state income tax, so Social Security is untaxed along with everything else | ||
| Effective property tax rate | 0.90% | metro-area | #106 of 200 |
| Median property tax paid | $3,315 | metro-area | #134 of 200 |
Health & childcare
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Life expectancy at birth | 79.8 years | metro-area | #25 of 200 |
| Healthcare (annual, single adult) | $7,500 | state | #163 of 200 |
| Uninsured (share of residents) | 15.7% | metro-area | #179 of 200 |
| Primary care providers per 100k | 80 | metro-area | #83 of 200 |
| Childcare (annual, infant, center) | $10,000 | state | #58 of 200 |
Vehicles & commute
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Annual registration | $225 | state | #153 of 200 |
| Vehicle property tax (annual) | None | state | #1 of 200 |
| Emissions testing | Not required | ||
| Emissions detail | No vehicle emissions testing | ||
| DMV & license offices | 11 | ||
| Avg commute to work | 30 min | metro-area | #181 of 200 |
| Commute by driving alone | 71.3% | metro-area | #50 of 200 |
| Solo drivers commuting 30+ min | 46.7% | metro-area | #189 of 200 |
Utilities & fuel
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Electricity | 15.4¢/kWh | state | #45 of 200 |
| Avg monthly electric bill | $138 | state | #41 of 200 |
| Gasoline | $3.35/gal | state | #111 of 200 |
| Natural gas (avg monthly bill) | $38 | state | #3 of 200 |
| Water & sewer (avg monthly bill) | $88 | state | #65 of 200 |
| Home internet (avg monthly bill) | $76 | state | #20 of 200 |
Insurance
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Home insurance (annual) | $4,200 | state | #183 of 200 |
| Auto insurance (annual) | $2,900 | state | #181 of 200 |
Disaster risk & supplemental insurance
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Main natural hazards | Notable hazards: hurricanes, flooding — separate flood/quake/windstorm policies may be needed. | ||
| FEMA National Risk Index (0–100, higher = more risk) | 99.5 — Relatively High | metro-area | #194 of 200 |
| Flood insurance (annual, NFIP) | $1,400 | state | #185 of 200 |
| Earthquake insurance (annual) | $100 | state | #1 of 200 |
Climate & air quality
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Air quality (median AQI, lower=cleaner) | 51 | metro-area | #138 of 200 |
| Cooling degree-days (AC load) | 3,600 | metro-area | #180 of 200 |
| Homes with air conditioning (state) | 96% | state | #4 of 200 |
| Heating degree-days (heat load) | 500 | metro-area | #4 of 200 |
| Days per year ≥ 90°F | 80 | metro-area | #165 of 200 |
| Days per year ≥ 100°F | 0 | metro-area | #5 of 200 |
| Avg summer high (state) | 91°F | metro-area | #136 of 200 |
| Avg winter low | 52°F | metro-area | #4 of 200 |
| Annual precipitation | 67.4" | metro-area | #200 of 200 |
| Annual snowfall | 0.0" | metro-area | #1 of 200 |
| Sunshine (% of possible) | 70% | metro-area | #26 of 200 |
| Plant hardiness zone | 10a | ||
| Frost window | 01-15 → 01-15 |
Safety
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Violent crime (per 100k, state avg) | 380 | state | #75 of 200 |
| Property crime (per 100k, state avg) | 1,950 | state | #67 of 200 |
Local amenities & recreation
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Grocery stores | 110 | metro-area | #85 of 200 |
| Parks | 74 | ||
| Hiking areas | 12 | ||
| Golf courses | 29 | ||
| Shooting ranges | 26 | ||
| Lakes | 15 |
Permits
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Building permit difficulty (1–5) | 3 | state | #87 of 200 |
| Permit detail | Moderate |
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.
Top employers in Miami
Major public and private employers in the Miami, FL area.
Salaries by occupation in Miami
Local median pay, BLS OEWS. All occupations →
| Occupation | Median pay |
|---|---|
| Dentists | $168,910 |
| Financial Managers | $145,620 |
| Marketing Managers | $137,270 |
| Pharmacists | $133,830 |
| Physician Assistants | $130,940 |
| Lawyers | $129,770 |
| Software Developers | $129,330 |
| Human Resources Managers | $126,030 |
| Construction Managers | $105,970 |
| General & Operations Managers | $102,610 |
| Mechanical Engineers | $96,680 |
| Physical Therapists | $93,920 |
| Data Scientists | $93,540 |
| Police & Sheriff's Patrol Officers | $89,570 |
| Civil Engineers | $85,750 |
| Registered Nurses | $83,590 |
| Web Developers | $80,010 |
| Accountants & Auditors | $79,730 |
| Dental Hygienists | $78,500 |
| Graphic Designers | $56,350 |
| Real Estate Sales Agents | $54,950 |
| Plumbers, Pipefitters & Steamfitters | $54,370 |
| Elementary School Teachers | $51,980 |
| Electricians | $51,660 |
| Heavy & Tractor-Trailer Truck Drivers | $49,660 |
| Carpenters | $48,490 |
| Welders, Cutters & Solderers | $48,260 |
| Medical Assistants | $39,620 |
Find a job in Miami
Cities in the Miami area
Miami (443,665) →Hialeah (222,996) →Fort Lauderdale (182,673) →Pembroke Pines (170,472) →Hollywood (152,764) →Miramar (135,158) →Coral Springs (133,801) →West Palm Beach (117,588) →Pompano Beach (111,790) →Miami Gardens (111,618) →Davie (105,821) →Boca Raton (97,980) →Sunrise (96,510) →Plantation (93,130) →Deerfield Beach (86,455) →Miami Beach (82,400) →Boynton Beach (80,068) →Homestead (79,996) →Kendall (78,402) →Doral (74,891) →Lauderhill (73,987) →Tamarac (71,578) →Weston (68,029) →Delray Beach (66,646) →Wellington (61,373) →Jupiter (60,926) →North Miami (59,854) →The Hammocks (59,843) →Palm Beach Gardens (59,088) →Margate (58,396) →Coconut Creek (57,574) →Fountainebleau (57,066) →Westchester (53,765) →Tamiami (52,851) →Kendale Lakes (52,661) →Country Club (50,975) →Coral Gables (49,696) →Cutler Bay (44,738) →North Lauderdale (44,635) →Oakland Park (44,056) →Greenacres (43,651) →North Miami Beach (43,269) →Lake Worth Beach (42,188) →Hallandale Beach (41,102) →The Acreage (40,160) →Aventura (39,621) →Royal Palm Beach (38,874) →Princeton (37,954) →Riviera Beach (37,668) →Richmond West (36,964) →Lauderdale Lakes (35,914) →South Miami Heights (35,705) →Kendall West (35,606) →Parkland (34,832) →Golden Glades (34,725) →Cooper City (34,046) →West Little River (33,465) →Dania Beach (31,700) →Miami Lakes (30,621) →Leisure City (27,033) →Ives Estates (26,814) →Palm Springs (26,692) →Coral Terrace (24,597) →Palmetto Bay (24,267) →Hialeah Gardens (22,815) →The Crossings (22,708) →Sunny Isles Beach (22,202) →Sweetwater (19,399) →Country Walk (18,719) →Pinecrest (18,279) →Glenvar Heights (17,902) →Brownsville (17,817) →Pinewood (17,163) →Belle Glade (16,896) →Palmetto Estates (16,776) →Three Lakes (16,596) →Ojus (16,450) →Opa-locka (16,230) →West Park (15,074) →Gladeview (14,698) →Key Biscayne (14,572) →Sunset (13,877) →Olympia Heights (13,824) →Miami Springs (13,729) →Jupiter Farms (13,358) →Naranja (13,261) →North Palm Beach (13,092) →Florida City (12,841) →South Miami (11,944) →Goulds (11,943) →Lantana (11,703) →Miami Shores (11,638) →Wilton Manors (11,451) →Westview (10,992) →Westwood Lakes (10,725) →West Perrine (10,597) →Lighthouse Point (10,496) →
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