Cost of Living in Lady Lake, FL
Population 16,337 · Florida · Data vintage 2023
(100 = US avg)
The median resident in Lady Lake is 66 years old, well past the national midpoint, giving the city the retail and service mix of a retirement-dominant market. Household-income figures here read differently than in working-age cities: retirement and investment income weigh heavily in the totals. At 6.7%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Lady Lake is about 45 miles northeast of Spring Hill, the nearest large metro — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 12% lower than Spring Hill's $248,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Lady Lake
The median home value in Lady Lake is $217,900 — 29% below the national median of $305,000. Median rent runs $1,361/month, 4% higher than the national median of $1,314/month. The median household income of $47,260/year is 37% lower than the US median of $74,580. The local unemployment rate is 6.7%, above the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, Lady Lake has a cost of living index of 84 versus the US average of 100, meaning it is 16% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Lady Lake, FL?
Lady Lake has a cost index of 84 (100 = national average). It is 16% below the national average.
What is average rent in Lady Lake, FL?
The median gross rent in Lady Lake is $1,361 per month based on 2023 Census data.
What is the average home price in Lady Lake?
The median home value in Lady Lake is $217,900 according to Zillow and Census data.
What is the median income in Lady Lake?
The median household income in Lady Lake is $47,260 per year (2023 ACS 5-year estimates).
What is the sales tax in Lady Lake, FL?
The combined state and local sales tax rate in Lady Lake is 7.0%. Florida has no state income tax.
Is Lady Lake, FL affordable?
Yes, Lady Lake is generally considered affordable, with a cost of living index of 84 — about 16% below the US national average of 100.
Lady Lake at a Glance
- Population
- 16,337
- Median Income
- $47,260
- Home Value
- $217,900
- Median Rent
- $1,361/mo
- Unemployment
- 6.7%
- Sales Tax
- 7.0%
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Florida Rankings
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