Cost of Living in On Top of the World, FL
Population 13,772 · Florida · Data vintage 2023
(100 = US avg)
With a median age of 72, On Top of the World functions largely as a retirement market. Housing costs — $275,000 for a typical home — anchor most household budgets, and the state's treatment of pension income tends to matter more than wage-driven tax comparisons.
Geographically, On Top of the World is about 40 miles south of Gainesville, the nearest large metro. Median home values run roughly 17% higher than Gainesville's $235,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in On Top of the World
The median home value in On Top of the World is $275,000 — 10% below the national median of $305,000. Median rent runs $1,162/month, 12% lower than the national median of $1,314/month. The median household income of $57,765/year is 23% lower than the US median of $74,580. The local unemployment rate is 5.3%, above the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, On Top of the World has a cost of living index of 89 versus the US average of 100, meaning it is 11% 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 On Top of the World, FL?
On Top of the World has a cost index of 89 (100 = national average). It is 11% below the national average.
What is average rent in On Top of the World, FL?
The median gross rent in On Top of the World is $1,162 per month based on 2023 Census data.
What is the average home price in On Top of the World?
The median home value in On Top of the World is $275,000 according to 2023 Census ACS data.
What is the median income in On Top of the World?
The median household income in On Top of the World is $57,765 per year (2023 ACS 5-year estimates).
What is the sales tax in On Top of the World, FL?
The combined state and local sales tax rate in On Top of the World is 7.0%. Florida has no state income tax.
Is On Top of the World, FL affordable?
Yes, On Top of the World is generally considered affordable, with a cost of living index of 89 — about 11% below the US national average of 100.
On Top of the World at a Glance
- Population
- 13,772
- Median Income
- $57,765
- Home Value
- $275,000
- Median Rent
- $1,162/mo
- Unemployment
- 5.3%
- Sales Tax
- 7.0%
Nearby Cities
Explore county-level cost of living data
Florida Rankings
Similar Cost Cities
Cities in other states with comparable housing costs