Lady Lake, FL

Below Avg · 80

Florida · Population 16,337 · Updated March 2026

$1,361
Median Rent / Month
$47,260
Median Income
$217,900
Median Home Value
$961
Owner Costs / Month

Affordability

How far your income goes in Lady Lake

34.6%
Rent-to-Income Ratio
Moderate
Rent takes 25-35% of median income — moderate affordability.

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

$16,332
Annual Rent
$0
State Income Tax
$1,874
Property Tax (est.)

Cost of Living Overview

Lady Lake is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 80 (where 100 equals the national median), Lady Lake residents can expect to pay median rent of $1,361/month while earning a median household income of $47,260/year.

The median home value in Lady Lake, FL is $217,900, with typical monthly owner costs around $961 including mortgage, insurance, and taxes. At 34.6% rent-to-income ratio, residents of Lady Lake are spending more than the recommended 30% of income on housing, indicating moderate cost burden.

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 Lady Lake.

Frequently Asked Questions

Common questions about living costs in Lady Lake

What is the cost of living in Lady Lake, FL?
The cost of living index in Lady Lake, FL is 80 (US average = 100). Median monthly rent is $1,361, median household income is $47,260/year, and the median home value is $217,900.
Is Lady Lake, FL affordable?
Yes, Lady Lake is more affordable than the national average with a cost index of 80. The rent-to-income ratio is 34.6%—above the 30%% affordability threshold.
What is the average rent in Lady Lake, FL?
The median gross rent in Lady Lake, FL is $1,361 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $16,332.
What is the median household income in Lady Lake?
The median household income in Lady Lake, FL is $47,260 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.