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Last updated October 15, 2026

Cost of Living in South Florida: Monthly Cost to Own by City

Owning the median single-family home costs from about $3,909 a month in Lantana to about $11,586 a month in Lighthouse Point across 14 Palm Beach County and 8 Broward County cities in 2026, before the cash-dominated coastal markets. Same method everywhere: median closed price, 20% down at 7.45%, homestead property tax at the 2025 millage, county-average insurance, the median association fee. Every input is cited and the pages refresh nightly.

See what your home is worth Comparing two of these cities because you are moving between them? Start with the number on the home you already own, or call (561) 395-8418.

Lantana$3,909per month to own the median single-family homeMedian closed $480,000 · condo/townhouse $3,095/mo
$7,677a month between the least and most expensive financed markets
Lighthouse Point$11,586per month to own the median single-family homeMedian closed $1,560,000 · condo/townhouse $1,856/mo

Monthly cost to own the median house, every city

South Florida: monthly cost to own the median single-family home, by cityStacked monthly cost to own: principal and interest, property tax with homestead, county-average insurance and association fee, for each place compared.Principal and interestProperty tax (homestead)InsuranceAssociation feeLantana$2,672$3,909Greenacres$2,533$4,063Royal Palm Beach$3,151$4,473Lake Worth Beach$3,117$4,576Deerfield Beach$2,964$4,706Pompano Beach$2,950$4,760Boynton Beach$2,922$4,764Hollywood$3,061$4,807Westlake$3,479$5,019West Palm Beach$3,201$5,078Coral Springs$3,896$5,520Fort Lauderdale$3,896$5,763Wellington$4,203$6,376Weston$5,095$7,008Delray Beach$4,857$7,134Boca Raton$5,841$8,285Jupiter$5,950$8,405Palm Beach Gardens$6,123$8,654Parkland$6,680$8,967Highland Beach$8,827$9,354 cash basisLighthouse Point$8,684$2,391$11,586Palm Beach$15,440$15,967 cash basis
Monthly cost to own at the median closed price, 2026 year to date. Cities marked cash basis are shown without principal and interest because most purchases there are unfinanced.
CityCountyMedian house (closed, 2026 YTD)Own, houseMedian condo/townhouseOwn, condo2025 millageMedian HOA feeMedian condo fee
Lantana rent vs ownPalm Beach$480,000 (n=63)$3,909$310,000$3,09519.4661too few listings$742
Greenacres rent vs ownPalm Beach$455,000 (n=153)$4,063$215,750$2,11619.1071$345$445
Royal Palm Beach rent vs ownPalm Beach$566,000 (n=287)$4,473$265,000$2,49018.1852too few listings$483
Lake Worth Beach rent vs ownPalm Beach$560,000 (n=1,066)$4,576$207,500$2,18521.6106too few listings$541
Deerfield Beach rent vs ownBroward$532,500 (n=296)$4,706$190,000$2,07520.2694$402$616
Pompano Beach rent vs ownBroward$530,000 (n=491)$4,760$275,500$2,86020.2573$475$781
Boynton Beach rent vs ownPalm Beach$525,000 (n=1,404)$4,764$266,750$2,78720.008$510$735
Hollywood rent vs ownBroward$550,000 (n=837)$4,807$300,000$3,21520.8985$350$945
WestlakePalm Beach$625,000 (n=121)$5,019$457,750$3,46320.8652too few listingstoo few listings
West Palm Beach rent vs ownPalm Beach$575,000 (n=1,184)$5,078$240,500$2,46320.4468$443$594
Coral Springs rent vs ownBroward$700,000 (n=692)$5,520$224,500$2,30420.2856too few listings$595
Fort Lauderdale rent vs ownBroward$700,000 (n=1,337)$5,763$440,778$4,41518.4464$343$1,196
WellingtonPalm Beach$755,000 (n=518)$6,376$420,000$3,96918.7352$533$848
Weston rent vs ownBroward$915,275 (n=416)$7,008$397,500$3,54916.2843$214$700
Delray Beach rent vs ownPalm Beach$872,500 (n=906)$7,134$240,000$2,53418.45$473$700
Boca Raton rent vs ownPalm Beach$1,049,300 (n=1,713)$8,285$365,000$3,46317.0029$488$779
JupiterPalm Beach$1,069,000 (n=825)$8,405$500,000$4,64116.9938$471$1,015
Palm Beach Gardens rent vs ownPalm Beach$1,100,000 (n=922)$8,654$415,000$3,77717.8608$428$718
ParklandBroward$1,200,000 (n=439)$8,967$561,250$4,07318.3944too few listingstoo few listings
Highland BeachPalm Beach$6,725,000 (n=12)$9,354 cash basis$973,500$8,57715.8455too few listings$1,733
Lighthouse PointBroward$1,560,000 (n=151)$11,586$163,019$1,85618.8914too few listings$606
Palm BeachPalm Beach$12,500,000 (n=89)$15,967 cash basis$1,675,000$13,69014.869too few listings$2,147

Own, house and Own, condo are the total monthly cost at the median closed price: principal and interest, property tax with both homestead exemptions, county-average insurance and the median association fee for that city. Medians are published only where at least 10 sales closed. Cash basis means the median buyer in that market does not finance, so principal and interest are left out.

Monthly cost to own the median condo or townhouse

The median condo or townhouse costs $1,856 a month to own in Lighthouse Point and $13,690 in Palm Beach, across the 22 financed cities with at least 10 closed condo sales. The association fee is usually the largest line after the mortgage, and what it covers (insurance on the building, reserves, water, cable) differs by building, so compare fee inclusions before comparing totals.

South Florida: monthly cost to own the median condo or townhouse, by cityStacked monthly cost to own: principal and interest, property tax with homestead, county-average insurance and association fee, for each place compared.Principal and interestProperty tax (homestead)InsuranceAssociation feeLighthouse Point$1,856Deerfield Beach$2,075Greenacres$2,116Lake Worth Beach$2,185Coral Springs$2,304West Palm Beach$2,463Royal Palm Beach$2,490Delray Beach$2,534Boynton Beach$2,787Pompano Beach$2,860Lantana$3,095Hollywood$3,215Westlake$2,548$3,463Boca Raton$2,032$3,463Weston$2,213$3,549Palm Beach Gardens$2,310$3,777Wellington$2,338$3,969Parkland$3,124$4,073Fort Lauderdale$2,454$4,415Jupiter$2,783$4,641Highland Beach$5,419$8,577Palm Beach$9,324$2,027$2,147$13,690
Monthly cost to own at the median closed price, 2026 year to date. The association fee is the largest single line in most condo markets; what it includes differs by building.

City-by-city comparisons

Each pair page puts two cities side by side: the full cost stack, property tax on the same price, fees and what they include, rents and income, and the year owning beats renting.

Boca Raton vs Delray Beach$1,151a month less in Delray Beach on the median housePalm Beach County Boca Raton vs Fort Lauderdale$2,522a month less in Fort Lauderdale on the median housePalm Beach / Broward County Palm Beach vs West Palm Beach$15,967 cash vs $5,078a month to own the median housePalm Beach County Boynton Beach vs Lake Worth Beach$322a month less in Boynton Beach on the median house (HOA fee excluded)Palm Beach County Boynton Beach vs Pompano Beach$4a month less in Pompano Beach on the median housePalm Beach / Broward County Jupiter vs Palm Beach Gardens$249a month less in Jupiter on the median housePalm Beach County Wellington vs Royal Palm Beach$1,370a month less in Royal Palm Beach on the median house (HOA fee excluded)Palm Beach County Parkland vs Coral Springs$3,447a month less in Coral Springs on the median houseBroward County Delray Beach vs Deerfield Beach$2,428a month less in Deerfield Beach on the median housePalm Beach / Broward County West Palm Beach vs Fort Lauderdale$685a month less in West Palm Beach on the median housePalm Beach / Broward County Hollywood vs Pompano Beach$47a month less in Pompano Beach on the median houseBroward County Weston vs Parkland$2,173a month less in Weston on the median house (HOA fee excluded)Broward County Boca Raton vs Palm Beach Gardens$369a month less in Boca Raton on the median housePalm Beach County Fort Lauderdale vs Hollywood$956a month less in Hollywood on the median houseBroward County Lake Worth Beach vs Greenacres$858a month less in Greenacres on the median house (HOA fee excluded)Palm Beach County Coral Springs vs Deerfield Beach$1,216a month less in Deerfield Beach on the median house (HOA fee excluded)Broward County Wellington vs Boynton Beach$1,612a month less in Boynton Beach on the median housePalm Beach County Palm Beach County vs Broward CountyThe county view: median municipal millage, county-average insurance and the median of city fee medians.

Need a pair that is not here? Every city above has the same inputs, so any two can be compared on request.

See what your home is worth

Every move between these places starts with one number on the home you already own. Gia Freer prepares a written opinion of value by hand from our own BeachesMLS data, with the comparable sales attached. No automated estimate is published on this site.

See what your home is worth or call (561) 395-8418. Conversations are confidential and there is no cost to having one.

Where the money goes next

See what your home is worth Two cities, every input shown. The one figure this page cannot show you is your own; that takes a conversation: (561) 395-8418.

Sources and method

Closed prices: Based on information from BeachesMLS for September 2026 and for January 1, 2026 through September 30, 2026, retrieved October 15, 2026. Information deemed reliable but not guaranteed. Medians shown only where n ≥ 10; co-ops excluded. Mortgage: Mortgage News Daily 30-year fixed rate index, 7.45% on 2026-10-14, 20% down. Millage: Palm Beach County and Broward County Property Appraisers, 2025 final rates, most-parcels code per municipality. Homestead: ss. 196.031 and 193.155, F.S.; purchase price treated as year-1 just value. Insurance: Florida Office of Insurance Regulation, Property Insurance Stability Unit report, July 2026, county averages including wind. Fees: PBP HOA and condo fee indexes from active listings. All figures are estimates for comparison; verify tax with the property appraiser and insurance with a licensed agent. General information, not tax, legal or financial advice. Refreshed nightly.

Free to reuse with attribution and a link to PBP Real Estate. Figures, tables and charts on this page may be quoted, screenshotted or embedded. Keep the source line and link to www.pbprealestate.com/cost-of-living/. Aggregates only: no address, listing number or listing-level record is published here.

For sellers

Pricing a home is a skill. Start with the current competition and recent closed sales.

43.5% of active single-family house listings in South Florida have a recorded asking price below their original list price.

The data comes from the segment and recorded fields available in PBP Real Estate's BeachesMLS feed, as of the date shown. Gia Freer, Broker of Record, turns comparable sales and current competition into one written pricing opinion for your home, with the reasoning, before it goes live.

No website estimate, no automated number: a written opinion of value prepared by hand, within one business day.

43.5%Recorded below original
56.5%Not recorded as below originalMay include unchanged prices, increases and missing-price records; not a never-cut count.
15,666 single-family houses for sale in South Florida. Source: BeachesMLS, as of October 15, 2026. Information is deemed reliable but not guaranteed. Seller Blink Rate™ is the share of active listings with a recorded asking price below the original list price. The denominator is all active listings in the segment. The complement may include unchanged prices, increases and missing-price records; it does not establish a price history.

Request a pricing opinion for your property

Reviewed by Gia Freer, Broker of Record (Lic. BK689801). Reply within one business day. No automated estimate is published on this site.

Published by Gia Freer, Broker of Record, PBP Real Estate, LLC · Florida broker license BK689801 · brokerage license CQ1064615. Last updated October 15, 2026.