Atlantic Beach, FL

Very High · 146

Florida · Population 13,353 · Updated March 2026

$1,883
Median Rent / Month
$103,288
Median Income
$565,500
Median Home Value
$1,713
Owner Costs / Month

Affordability

How far your income goes in Atlantic Beach

21.9%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Florida

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.0%
Sales Tax
0.86%
Property Tax Rate

Estimated Annual Costs

$22,596
Annual Rent
$0
State Income Tax
$4,863
Property Tax (est.)

Cost of Living Overview

Atlantic Beach has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 146 (where 100 equals the national median), Atlantic Beach residents can expect to pay median rent of $1,883/month while earning a median household income of $103,288/year.

The median home value in Atlantic Beach, FL is $565,500, with typical monthly owner costs around $1,713 including mortgage, insurance, and taxes. The median rent-to-income ratio of 21.9% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Florida has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.0% sales tax rate and 0.86% effective property tax rate, the overall tax environment helps keep costs manageable in Atlantic Beach.

Frequently Asked Questions

Common questions about living costs in Atlantic Beach

What is the cost of living in Atlantic Beach, FL?
The cost of living index in Atlantic Beach, FL is 146 (US average = 100). Median monthly rent is $1,883, median household income is $103,288/year, and the median home value is $565,500.
Is Atlantic Beach, FL affordable?
No, Atlantic Beach is more expensive than the national average with a cost index of 146. The rent-to-income ratio is 21.9%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Atlantic Beach, FL?
The median gross rent in Atlantic Beach, FL is $1,883 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $22,596.
What is the median household income in Atlantic Beach?
The median household income in Atlantic Beach, FL is $103,288 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Florida?
Florida has a top income tax rate of 0%, a sales tax of 6.0%, and an effective property tax rate of 0.86%. Notably, there is no state income tax.