States › Florida › Lochmoor Waterway Estates

Is Lochmoor Waterway Estates, FL expensive to live in?

OKRent takes 24 cents of every $1 people earn here.
🏠 Rent per month (2026)$2,11921% higher than U.S. average
💵 Families earn per year (2026)$105,334about $8,778/month · 21% higher than U.S. average
🔑 House price$386,20016% higher than U.S. average

Rent is higher than in 74% of U.S. cities. A typical house costs about 3.7 years of household income. Commutes are long, about 31.5 minutes each way. Most homes (86%) are owned, so rentals can be hard to find.

How much money do I need?

To rent here comfortably, you should earn about $84,760 a year. That is $41 an hour at a full-time job.

Is rent cheaper than other Florida cities?

No. Rent here is more expensive than in most of Florida. It is number 297 of 479 cities from cheapest to most expensive.

Lochmoor Waterway Estates
$2,119
DeFuniak Springs
$1,238
High Springs
$1,976
Treasure Island
$1,811
Vero Lake Estates
$2,203
Sanibel
$853
Gulf Breeze
$2,002

How much do households earn in Lochmoor Waterway Estates?

Under $25k
12.8%
$25k–50k
15.8%
$50k–100k
29.2%
$100k–150k
21.8%
$150k+
15.9%

Share of households by yearly income. 37.7% of households earn $100,000 or more.

Rent by apartment size in Lochmoor Waterway Estates

SizeLochmoor Waterway EstatesU.S. average
2 bedrooms$1,707$1,509
3 bedrooms$2,738$1,698

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

How expensive is Lochmoor Waterway Estates 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 Lochmoor Waterway Estates, so the Florida figure is shown.

Taxes and bills in Lochmoor Waterway Estates

🏛️ Property tax$2,665a year · 0.69% of home value · U.S. $3,119
⚡ Electric bill$189a month (typical) · U.S. $156

Life in Lochmoor Waterway Estates

Commute to work31.5 minU.S.: 26.4 min
College degree39.8%U.S.: 35.7%
Own their home86%U.S.: 65.2%
Below poverty line9.6%U.S.: 12.5%
Unemployment4.1%U.S.: 5.2%

Is it cheaper to rent or buy in Lochmoor Waterway Estates?

Renting is cheaper right now: about $561 a month less.

Renting
$2,119
Owning
$2,680

Owning assumes a typical $386,200 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $38,620 for the down payment.

Frequently asked questions

What is the average rent in Lochmoor Waterway Estates, FL?

Renting in Lochmoor Waterway Estates costs a median of about $2,119 a month in 2026, including utilities. The Florida median is $1,963.

How much do I need to make to live in Lochmoor Waterway Estates?

To keep rent under 30% of income, you need about $84,760 a year, or $41 an hour at a full-time job.

Is Lochmoor Waterway Estates cheap or expensive?

Lochmoor Waterway Estates is rated OK: rent takes 24.1% of the typical household income of $105,334. It ranks 297th cheapest of 479 Florida cities we track.

How much are property taxes in Lochmoor Waterway Estates?

The median homeowner in Lochmoor Waterway Estates pays $2,665 a year in property taxes, about 0.69% of the median home value.

Is Lochmoor Waterway Estates 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 Lochmoor Waterway Estates?

The median home value in Lochmoor Waterway Estates is $386,200, about 3.7 times the typical yearly household income.

6,511 people live in Lochmoor Waterway Estates. Numbers are typical (middle) values.