Rent affordability
How much rent can you afford in Florida?
At Florida's median household income of $77,735, the 30% rule leaves about $1,711 a month for rent after about $232 in utilities, internet, and renters insurance. 1-bedroom medians run from $784 in the Punta Gorda metro to $1,494 in the Miami metro. Each of the 38 city pages below adds its metro's rent and local utilities.
Max rent in Florida
$1,711/mo
30% of gross income is $1,943 a month. Utilities, internet, and renters insurance take $232, which leaves $1,711 for rent.
Metro 1-bedroom medians here run from $784 to $1,494. Pick a city below to compare one with your max.
- Take-home
- $5,293/moAfter estimated federal tax, state tax, and FICA.
- Move-in cash
- $3,422First month and a one-month deposit, at your max rent.
- Landlord screen
- $2,159/moHighest rent if a landlord wants income of 36× the rent.
Monthly budget
Where take-home pay of $5,293 goes at your max rent of $1,711. Each slice is its share of take-home.
- Rent32%$1,711
- Electric, gas, water3%$135
- Internet2%$82
- Renters insurance<1%$15
- Left over63%$3,350
Housing comes to $1,943 a month, 30% of gross income and 37% of take-home. That leaves $3,350 for food, transportation, savings, and everything else.
Rent by metro in Florida
Cities in the same metro share its median rent, as of August 2026. Each city page compares that rent with your max and adds local utilities and Census figures for the city.
Miami metro
$1,494 1-bed
Tampa metro
$1,244 1-bed
Orlando metro
$1,289 1-bed
Jacksonville metro
$1,117 1-bed
North Port metro
$1,242 1-bed
Cape Coral metro
$1,038 1-bed
Lakeland metro
$892 1-bed
Deltona metro
$1,084 1-bed
Palm Bay metro
$1,175 1-bed
Pensacola metro
$1,085 1-bed
Port St. Lucie metro
$1,105 1-bed
Tallahassee metro
$1,107 1-bed
Naples metro
$1,357 1-bed
Gainesville metro
$989 1-bed
Crestview metro
$1,124 1-bed
Punta Gorda metro
$784 1-bed
Panama City metro
$1,106 1-bed
Household income in Florida
The U.S. Census Bureau's 2024 American Community Survey 1-year estimates put median household income in Florida at $77,735. That was up 3.0% from $75,465 in 2023. The margin of error on the 2024 figure is $564. The estimate covers income of everyone age 15 or older in the household, in 2024 inflation-adjusted dollars.
Household utility bills in Florida
These are typical monthly bills for all household types in Florida, not an apartment quote. The rent calculator uses a smaller apartment estimate for electricity, gas, water, sewer, and trash, plus the internet row. The all-household core of those housing bills is $353 a month.
| Bill | Monthly |
|---|---|
| Electricity | $165 |
| Natural gas | $34 |
| Water | $38 |
| Sewer | $51 |
| Trash | $65 |
| Internet | $82 |
Methodology and sources
Updated . Max rent is 30% of gross monthly income minus estimated utilities, internet, and renters insurance. If you enter other bills, max rent also keeps housing plus those bills within 36% of gross income, a debt-to-income ratio lenders generally consider good. Take-home pay uses 2026 federal brackets, Florida's 2025 single-filer income tax brackets, and FICA. Metro rents are Apartment List estimates. City pages add Census American Community Survey 5-year estimates. See how Florida's metros compare in the rent affordability rankings. None of this is tax, legal, or housing advice.