States › Florida › On Top of the World

Is On Top of the World, FL expensive to live in?

OKRent takes 23 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,27527% lower than U.S. average
💵 Families earn per year (2026)$65,433about $5,453/month · 25% lower than U.S. average
🔑 House price$303,9009% lower than U.S. average

Rent is lower than in 71% of U.S. cities. A typical house costs about 4.6 years of household income. Most homes (92.6%) are owned, so rentals can be hard to find.

How much money do I need?

To rent here comfortably, you should earn about $51,000 a year. That is $25 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 44 of 479 cities from cheapest to most expensive.

On Top of the World
$1,275
Warrington
$1,470
Palmetto Estates
$1,453
Azalea Park
$2,353
Marco Island
$3,500+
Naranja
$2,022
Thonotosassa
$980

How much do households earn in On Top of the World?

Under $25k
12.0%
$25k–50k
34.1%
$50k–100k
34.3%
$100k–150k
11.2%
$150k+
5.1%

Share of households by yearly income. 16.3% of households earn $100,000 or more.

How expensive is On Top of the World 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 On Top of the World, so the Florida figure is shown.

Taxes and bills in On Top of the World

🏛️ Property tax$2,593a year · 0.85% of home value · U.S. $3,119
⚡ Electric bill$128a month (typical) · U.S. $156

Life in On Top of the World

Commute to work23.4 minU.S.: 26.4 min
College degree38.8%U.S.: 35.7%
Own their home92.6%U.S.: 65.2%
Below poverty line7%U.S.: 12.5%
Unemployment3.6%U.S.: 5.2%

Is it cheaper to rent or buy in On Top of the World?

Renting is cheaper right now: about $834 a month less.

Renting
$1,275
Owning
$2,109

Owning assumes a typical $303,900 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $30,390 for the down payment.

Frequently asked questions

What is the average rent in On Top of the World, FL?

Renting in On Top of the World costs a median of about $1,275 a month in 2026, including utilities. The Florida median is $1,963.

How much do I need to make to live in On Top of the World?

To keep rent under 30% of income, you need about $51,000 a year, or $25 an hour at a full-time job.

Is On Top of the World cheap or expensive?

On Top of the World is rated OK: rent takes 23.4% of the typical household income of $65,433. It ranks 44th cheapest of 479 Florida cities we track.

How much are property taxes in On Top of the World?

The median homeowner in On Top of the World pays $2,593 a year in property taxes, about 0.85% of the median home value.

Is On Top of the World 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 On Top of the World?

The median home value in On Top of the World is $303,900, about 4.6 times the typical yearly household income.

16,007 people live in On Top of the World. Numbers are typical (middle) values.