Cost of Living in Three Lakes, FL

Population 16,426 · Florida · Data vintage 2023

154
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Three Lakes sits on the smaller end of the Florida city distribution. That scale shapes the housing market, the labor pool, and the services available to residents in ways the data below makes visible. An unemployment rate of 2.8% points to a labor market well on the tight side of the national distribution.

Three Lakes sits roughly 15 miles southwest of Miami — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 9% lower than Miami's $475,000.

Cost Overview

Housing 143
Rent 172

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

About the Cost of Living in Three Lakes

The median home value in Three Lakes is $434,800 — 43% above the national median of $305,000. Median rent runs $2,255/month, 72% higher than the national median of $1,314/month. The median household income of $91,364/year is 23% higher than the US median of $74,580. The local unemployment rate is 2.8%, below the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, Three Lakes has a cost of living index of 154 versus the US average of 100, meaning it is 54% more expensive.

🏠 Housing

Median Home Value
$434,800
43% above avg
Median Rent
$2,255/mo
72% above avg
Price-to-Rent Ratio
16.1x
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 65.9%
Renter-occupied 34.1%

💰 Estimated Monthly Budget

Rent median rent
$2,255
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $2,869/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
34.6 min
28% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
13.0%

Commute Mode

Drove alone
77.3%
Carpooled
6.2%
Public transit
0.7%
Walked
1.3%
Bicycle
0.3%
Work from home
13.0%

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
$91,364
23% above avg
Per Capita Income
$36,484
Unemployment Rate
2.8%
43% below avg
Poverty Rate
10.7%
Labor Force Participation
70.7%

🎓 Education

Bachelor's degree+ 27.4%
Graduate degree 10.0%

👥 Demographics

Median Age 35.8
Male median age 35.6
Female median age 35.9

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 48 — Good
56.7%
Good air days/yr
170
Max AQI recorded
272
PM2.5 days
76
Ozone days

Frequently Asked Questions

What is the cost of living in Three Lakes, FL?

Three Lakes has a cost index of 154 (100 = national average). It is 54% above the national average.

What is average rent in Three Lakes, FL?

The median gross rent in Three Lakes is $2,255 per month based on 2023 Census data.

What is the average home price in Three Lakes?

The median home value in Three Lakes is $434,800 according to 2023 Census ACS data.

What is the median income in Three Lakes?

The median household income in Three Lakes is $91,364 per year (2023 ACS 5-year estimates).

What is the sales tax in Three Lakes, FL?

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

Is Three Lakes, FL affordable?

Three Lakes is above average in cost of living, with an index of 154 — about 54% higher than the national average.

Three Lakes at a Glance

Population
16,426
Median Income
$91,364
Home Value
$434,800
Median Rent
$2,255/mo
Unemployment
2.8%
Sales Tax
7.0%
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🗺️ County data for Florida

Explore county-level cost of living data

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