Estero, FL

Above Avg · 128

Florida · Population 37,258 · Updated March 2026

$1,917
Median Rent / Month
$100,459
Median Income
$430,500
Median Home Value
$1,493
Owner Costs / Month

Affordability

How far your income goes in Estero

22.9%
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

$23,004
Annual Rent
$0
State Income Tax
$3,702
Property Tax (est.)

Cost of Living Overview

Estero has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 128 (where 100 equals the national median), Estero residents can expect to pay median rent of $1,917/month while earning a median household income of $100,459/year.

The median home value in Estero, FL is $430,500, with typical monthly owner costs around $1,493 including mortgage, insurance, and taxes. The median rent-to-income ratio of 22.9% 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 Estero.

Frequently Asked Questions

Common questions about living costs in Estero

What is the cost of living in Estero, FL?
The cost of living index in Estero, FL is 128 (US average = 100). Median monthly rent is $1,917, median household income is $100,459/year, and the median home value is $430,500.
Is Estero, FL affordable?
No, Estero is more expensive than the national average with a cost index of 128. The rent-to-income ratio is 22.9%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Estero, FL?
The median gross rent in Estero, FL is $1,917 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $23,004.
What is the median household income in Estero?
The median household income in Estero, FL is $100,459 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.