Cost of Living in Lutz, FL
Population 26,731 · Florida · Data vintage 2023
(100 = US avg)
Most of Lutz's cost indicators track within a reasonable band of national figures, with median household incomes near $114,516 — a more representative starting point for relocation math than the headline-expensive or headline-cheap cities on either tail. An unemployment rate of 2.9% points to a labor market well on the tight side of the national distribution.
Located 12 miles north of Tampa, Lutz falls within that metro's commuting orbit. Median home values run roughly 20% higher than Tampa's $375,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Lutz
The median home value in Lutz is $451,800 — 48% above the national median of $305,000. Median rent runs $1,648/month, 25% higher than the national median of $1,314/month. The median household income of $114,516/year is 54% higher than the US median of $74,580. The local unemployment rate is 2.9%, below the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, Lutz has a cost of living index of 139 versus the US average of 100, meaning it is 39% more 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 Lutz, FL?
Lutz has a cost index of 139 (100 = national average). It is 39% above the national average.
What is average rent in Lutz, FL?
The median gross rent in Lutz is $1,648 per month based on 2023 Census data.
What is the average home price in Lutz?
The median home value in Lutz is $451,800 according to Zillow and Census data.
What is the median income in Lutz?
The median household income in Lutz is $114,516 per year (2023 ACS 5-year estimates).
What is the sales tax in Lutz, FL?
The combined state and local sales tax rate in Lutz is 7.0%. Florida has no state income tax.
Is Lutz, FL affordable?
Lutz is above average in cost of living, with an index of 139 — about 39% higher than the national average.
Lutz at a Glance
- Population
- 26,731
- Median Income
- $114,516
- Home Value
- $451,800
- Median Rent
- $1,648/mo
- Unemployment
- 2.9%
- Sales Tax
- 7.0%
Nearby Cities
Explore county-level cost of living data
Florida Rankings
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