Cost of Living in The Villages, FL
Updated November 2026 · Sumter County · Wildwood-The Villages, FL metro area · population 83,498
Prices in The Villages are 10.5% below the US average (local index 89.5; the BEA index for the Wildwood-The Villages, FL metro area is 85.4), with local housing the biggest saving at 52.9; a single adult's modelled budget is about $2,623 a month and the median rent is $1,397.
Prices by category
CostLiving local estimate. 100 = US average; 110 means prices are 10% higher. Housing reflects The Villages's own median rent compared with the area's average rent; goods, utilities and other services are BEA's official price parities for the Wildwood-The Villages, FL metro area, unchanged.
The Villages price index by category, US average = 100: All items 89.5, Housing (rents) 52.9, Goods 96.2, Utilities 89.0, Other services 98.9
It is the least expensive of the 81 Florida cities in our data. Cheaper than 94% of the cities we cover.
| BEA index | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| All items | 94.2 | 92.0 | 96.0 | 91.1 | 94.5 | 85.4 |
Monthly budget by household type
1 adult · 1-bedroom · modelled estimate for The Villages, FL
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,019 | $12,228 | 39% |
| Utilities | $257 | $3,084 | 10% |
| Food at home | $271 | $3,252 | 10% |
| Transportation | $566 | $6,792 | 22% |
| Health care | $348 | $4,176 | 13% |
| Clothing, personal care & supplies | $162 | $1,944 | 6% |
| Total | $2,623 | $31,476 | 100% |
2 adults · 2-bedroom · modelled estimate for The Villages, FL
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,161 | $13,932 | 28% |
| Utilities | $406 | $4,872 | 10% |
| Food at home | $501 | $6,012 | 12% |
| Transportation | $1,119 | $13,428 | 27% |
| Health care | $644 | $7,728 | 16% |
| Clothing, personal care & supplies | $319 | $3,828 | 8% |
| Total | $4,150 | $49,800 | 100% |
2 adults + 2 children · 3-bedroom · modelled estimate for The Villages, FL
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,307 | $15,684 | 26% |
| Utilities | $494 | $5,928 | 10% |
| Food at home | $715 | $8,580 | 14% |
| Transportation | $1,489 | $17,868 | 30% |
| Health care | $600 | $7,200 | 12% |
| Clothing, personal care & supplies | $411 | $4,932 | 8% |
| Total | $5,016 | $60,192 | 100% |
Modelled estimate of basic costs, excluding taxes, child care and savings. Housing is rent excluding tenant-paid utilities (counted under utilities). See how the budget is calculated.
Housing costs in The Villages
Rent by number of bedrooms
| Size | Median rent |
|---|---|
| Studio | $1,234 modelled from city median rent |
| 1 bedroom | $1,221 modelled from city median rent |
| 2 bedrooms | $1,391 modelled from city median rent |
| 3 bedrooms | $1,566 modelled from city median rent |
| 4 bedrooms | $1,935 modelled from city median rent |
Median rent: Census ACS 2020-2024 median gross rent by bedrooms (rent plus tenant-paid utilities, all renters).
Rent, home values and affordability
| Measure | Value |
|---|---|
| Median gross rent | $1,397 |
| Median contract rent (excl. utilities) | $1,166 |
| Median home value | $400,100 |
| Owner costs with a mortgage | $1,755/mo |
| Median household income | $77,622 |
| Rent as % of renter income Very expensive | 50%+ |
| Home value ÷ household income Expensive | 5.2× |
Census ACS 5-year 2020-2024.
Electricity and gas prices
Residential electricity in Florida
14.99¢ per kWh, August 2026
12-month change: −2.2% (from 15.33¢) · US 18.16¢
Average household uses 1,097 kWh a month in Florida ≈ $169/month. Source: EIA-861M (statewide average).
Regular gasoline
$3.79 per gallon, week of 2026-11-02
12-month change: +30.3% (from $2.91) · US $4.15
EIA weekly retail price survey.
Inflation in the South
Consumer prices in the South Census region rose +3.4% in the 12 months to September 2026 (US +3.7%). Nationally, food at home changed +1.8%, shelter +3.2% and energy +20.4%. Source: BLS CPI-U, not seasonally adjusted. CPI is published for regions and large metro areas, so the regional figure is shown.
Salary equivalent
Because prices in The Villages are 10.5% below the US average, $60,000 here has the buying power of about $67,000 in an average-priced US area.
Formula: US-equivalent = salary × 100 ÷ 89.5. Based on the local cost index (CostLiving estimate from BEA RPP and Census rents); taxes not included.
Nearby cities
| City | Distance | Index | Budget (single) | Median rent |
|---|---|---|---|---|
| Ocala, FL | 21 mi | 95.1 | $2,586 | $1,359 |
| Apopka, FL | 31 mi | 104.7 | $3,186 | $1,969 |
| Pine Hills, FL | 39 mi | 99.3 | $2,643 | $1,542 |
| Horizon West, FL | 39 mi | 110.9 | $3,329 | $2,464 |
| Spring Hill, FL | 44 mi | 98.7 | $2,596 | $1,440 |
| Sanford, FL | 44 mi | 100.1 | $2,895 | $1,609 |
Cities with a similar cost of living
| City | Index | Budget (single) | Median rent |
|---|---|---|---|
| Martinsville, VA | 89.5 | $2,044 | $808 |
| Jackson, TN | 89.5 | $2,233 | $1,145 |
| Columbia, MO | 89.6 | $2,329 | $1,097 |
| Port Arthur, TX | 89.6 | $2,243 | $1,021 |
| Cedar Rapids, IA | 89.6 | $2,170 | $967 |
| Davenport, IA | 89.4 | $2,270 | $978 |
Compare The Villages with another city
Frequently asked questions
Is The Villages, FL an expensive place to live?
The Villages has a local cost of living index of 89.5, which is 10.5% below the US average. This CostLiving estimate starts from the BEA Regional Price Parities 2024 for the Wildwood-The Villages, FL metro area (85.4) and adjusts housing to The Villages's own rents. It is 13.9 points below the Florida average. It is the least expensive of the 81 Florida cities in our data. Cheaper than 94% of the cities we cover.
How much money do you need to live in The Villages?
Our modelled estimate of basic monthly costs is $2,623 for a single adult, $4,150 for a couple and $5,016 for a family of four, before taxes, child care and savings. A $60,000 salary in an average-priced US area buys about the same as $53,700 in The Villages.
What is the average rent in The Villages?
The median gross rent (rent plus tenant-paid utilities) is $1,397 a month (Census ACS 2020-2024). By size: 1 bedroom $1,221, 2 bedrooms $1,391, 3 bedrooms $1,566. The typical renter spends 50%+ of household income on rent (very expensive).
How much does a house cost in The Villages?
The median owner-estimated home value is $400,100, 5.2 times the median household income of $77,622 (expensive). Owners with a mortgage pay a median $1,755 a month in housing costs.
How much is electricity and gas in The Villages?
Florida residential electricity averaged 14.99¢ per kWh in August 2026 (US 18.16¢). Regular gasoline was $3.79 a gallon (Florida average, week of 2026-11-02).
Sources and notes
- Local cost index: CostLiving estimate from BEA Regional Price Parities 2024 for the Wildwood-The Villages, FL metropolitan statistical area (BEA index 85.4) with housing from Census ACS median rent (city figure); see the methodology.
- Rents, home values, income, population: U.S. Census Bureau ACS 5-year 2020-2024, Census place 1271625 (The Villages CDP).
- Electricity: EIA-861M, Florida residential average, August 2026.
- Gasoline: EIA weekly retail regular gasoline, Florida, week of 2026-11-02.
- Inflation: BLS CPI-U South region, September 2026.
- Budget baselines: BLS Consumer Expenditure Survey 2025; electricity use by household size: EIA RECS 2020.
- Rents by bedrooms: modelled from city median rent (city bedroom medians: 1BR median $3,451 implausible vs overall median $1,397 (small sample)).
Labels such as “county figure” or “state nonmetro figure” mark values that come from a larger area because the city-level figure is unavailable or unreliable. The monthly budget is a modelled estimate, not observed spending, and excludes taxes. This page is for general information and is not financial advice. Methodology · All sources