Cost of Living in Pebble Creek, FL

Population 10,719 · Florida · Data vintage 2023

142
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Pebble Creek is a smaller Florida community of around 11000 residents, where median household incomes of $109,375 and housing costs ($385,000 for a typical home) give the local cost-of-living profile a distinctly small-town shape. The labor market has been unusually tight, with unemployment around 2.2% — below most comparable cities in the state.

Geographically, Pebble Creek sits roughly 15 miles north of Brandon. Median home values run roughly 31% higher than Brandon's $294,000.

Cost Overview

Housing 126
Rent 167

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Pebble Creek

The median home value in Pebble Creek is $384,500 — 26% above the national median of $305,000. Median rent runs $2,189/month, 67% higher than the national median of $1,314/month. The median household income of $109,375/year is 47% higher than the US median of $74,580. The local unemployment rate is 2.2%, below the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, Pebble Creek has a cost of living index of 142 versus the US average of 100, meaning it is 42% more expensive.

🏠 Housing

Median Home Value
$384,500
26% above avg
Zillow Home Value
$433,074
Zillow ZHVI
Median Rent
$2,189/mo
67% above avg
Zillow Rent
$2,474/mo
Zillow ZORI
Price-to-Rent Ratio
14.6x
Favors buying
Property Tax Rate
0.9%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$1,085
1 BR
$1,181
2 BR
$1,427
3 BR
$1,797
4 BR
$2,099
Owner-occupied 75.9%
Renter-occupied 24.1%

💰 Estimated Monthly Budget

Rent median rent
$2,189
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $2,803/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
30.8 min
14% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
34.3%

Commute Mode

Drove alone
58.0%
Carpooled
4.3%
Walked
3.4%
Work from home
34.3%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax (flat) None
Total Sales Tax 7.0%
State rate 6.0%
Avg local rate 1.1%
Property Tax 0.9%

💼 Income & Employment

Median Household Income
$109,375
47% above avg
Per Capita Income
$43,122
Unemployment Rate
2.2%
54% below avg
Poverty Rate
5.6%
Labor Force Participation
71.3%

🎓 Education

Bachelor's degree+ 31.9%
Graduate degree 19.8%

👥 Demographics

Median Age 40.2
Male median age 42
Female median age 39.5

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 51 — Moderate
42.7%
Good air days/yr
114
Max AQI recorded
261
PM2.5 days
102
Ozone days

Frequently Asked Questions

What is the cost of living in Pebble Creek, FL?

Pebble Creek has a cost index of 142 (100 = national average). It is 42% above the national average.

What is average rent in Pebble Creek, FL?

The median gross rent in Pebble Creek is $2,189 per month based on 2023 Census data.

What is the average home price in Pebble Creek?

The median home value in Pebble Creek is $384,500 according to Zillow and Census data.

What is the median income in Pebble Creek?

The median household income in Pebble Creek is $109,375 per year (2023 ACS 5-year estimates).

What is the sales tax in Pebble Creek, FL?

The combined state and local sales tax rate in Pebble Creek is 7.0%. Florida has no state income tax.

Is Pebble Creek, FL affordable?

Pebble Creek is above average in cost of living, with an index of 142 — about 42% higher than the national average.