Cost of Living in Santa Rosa County, Florida
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Santa Rosa County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Santa Rosa County, Florida
Santa Rosa achieves rare affordability balance
Santa Rosa County renters spend just 19.5% of their income on rent—the lowest burden in this survey and well below national affordability stress thresholds. Combined with a median household income of $88,968, the highest in the group, Santa Rosa delivers exceptional housing value.
Florida's most affordable relative to income
Santa Rosa's rent-to-income ratio of 19.5% substantially undercuts Florida's state average of 22.5%, creating a 3 percentage-point affordability advantage. Median rent of $1,445 reflects reasonable coastal-area pricing balanced by strong local incomes.
Standout value in the panhandle
Santa Rosa renters pay $1,445 monthly while enjoying the highest median household income ($88,968) in this survey, producing the nation's best affordability ratio at 19.5%. As Pensacola's northern anchor, Santa Rosa combines military-fueled economic stability with measured housing growth.
Housing takes just one-fifth of income
Renters average $1,445 monthly while homeowners pay $1,354, combining for roughly 20% of the $88,968 median household income. This leaves Santa Rosa households approximately $6,100 monthly for all other expenses—the highest discretionary purchasing power in the survey.
Best overall value in Florida housing
Relocating to Santa Rosa means allocating just 19.5% of income to rent while earning the region's strongest median income of $88,968. If you seek affordability without sacrificing income opportunity, Santa Rosa delivers the optimal balance among surveyed counties.
Affordability Calculator
See how your income compares to housing costs in Santa Rosa County
Rent Burden
19.5%
of gross income
Max Housing (28% Rule)
$2,076
per month
Owner Cost Burden
18.3%
of gross income
The median home in Santa Rosa County may be a stretch
Median home value is $302,100. Estimated monthly cost: $2,412 vs. your max of $2,076.
Rent Affordability Guide
Frequently Asked Questions
What is the cost of living in Santa Rosa County, Florida?
What is the median rent in Santa Rosa County?
Is Santa Rosa County affordable?
How does Santa Rosa County's rent compare to the state average?
What is the median home value in Santa Rosa County?
Planning a Move?
Researching the cost of living in Santa Rosa County, Florida? Compare moving quotes from top providers and save on your relocation.
Compare Moving QuotesCounties with Similar Housing Costs
Compare Mortgage Rates in Santa Rosa County
Whether you're buying your first home or refinancing, compare rates from top lenders to find the best deal.
See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.