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Is Indian Harbour Beach, FL expensive to live in?

OKRent takes 22 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,92210% higher than U.S. average
💵 Families earn per year (2026)$104,888about $8,741/month · 20% higher than U.S. average
🔑 House price$440,20032% higher than U.S. average

Rent is higher than in 65% of U.S. cities. A typical house costs about 4.2 years of household income. Most homes (80.1%) are owned, so rentals can be hard to find. It is a highly educated city: 55.4% of adults have a college degree.

How much money do I need?

To rent here comfortably, you should earn about $76,880 a year. That is $37 an hour at a full-time job.

Is rent cheaper than other Florida cities?

Yes. Rent here is cheaper than in most of Florida. It is number 217 of 479 cities from cheapest to most expensive.

Indian Harbour Beach
$1,922
North Merritt Island
$1,341
Orange Park
$1,453
Williamsburg
$2,394
North Weeki Wachee
$1,837
Lake Park
$1,684
Miramar Beach
$2,367

How much do households earn in Indian Harbour Beach?

Under $25k
10.6%
$25k–50k
16.8%
$50k–100k
32.6%
$100k–150k
19.0%
$150k+
20.3%

Share of households by yearly income. 39.3% of households earn $100,000 or more.

Rent by apartment size in Indian Harbour Beach

SizeIndian Harbour BeachU.S. average
1 bedroom$1,513$1,324
2 bedrooms$1,938$1,509
3 bedrooms$2,338$1,698

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Indian Harbour Beach overall?

Everyday prices in Florida overall are 3% above the U.S. average (index 103.4, U.S. = 100).

Housing
122
Goods (food, clothes…)
98
Utilities
90
Other services
101
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Indian Harbour Beach, so the Florida figure is shown.

Taxes and bills in Indian Harbour Beach

🏛️ Property tax$3,183a year · 0.72% of home value · U.S. $3,119
⚡ Electric bill$140a month (typical) · U.S. $156

Life in Indian Harbour Beach

Commute to work22.5 minU.S.: 26.4 min
College degree55.4%U.S.: 35.7%
Own their home80.1%U.S.: 65.2%
Below poverty line10.2%U.S.: 12.5%
Unemployment1.8%U.S.: 5.2%

Is it cheaper to rent or buy in Indian Harbour Beach?

Renting is cheaper right now: about $1,132 a month less.

Renting
$1,922
Owning
$3,054

Owning assumes a typical $440,200 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $44,020 for the down payment.

Frequently asked questions

What is the average rent in Indian Harbour Beach, FL?

Renting in Indian Harbour Beach costs a median of about $1,922 a month in 2026, including utilities. The Florida median is $1,963.

How much do I need to make to live in Indian Harbour Beach?

To keep rent under 30% of income, you need about $76,880 a year, or $37 an hour at a full-time job.

Is Indian Harbour Beach cheap or expensive?

Indian Harbour Beach is rated OK: rent takes 22.0% of the typical household income of $104,888. It ranks 217th cheapest of 479 Florida cities we track.

How much are property taxes in Indian Harbour Beach?

The median homeowner in Indian Harbour Beach pays $3,183 a year in property taxes, about 0.72% of the median home value.

Is Indian Harbour Beach more expensive than the national average?

Overall prices in Florida are 3% above the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Indian Harbour Beach?

The median home value in Indian Harbour Beach is $440,200, about 4.2 times the typical yearly household income.

9,025 people live in Indian Harbour Beach. Numbers are typical (middle) values.