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Tampa-St. Petersburg-Clearwater, FL

Cost of living in Hernando County, FL

Part of the Tampa Metro Area

Estimated monthly cost
$3,533/mo
for a single person, all categories combined

Population 201,512 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,686 48%
Healthcare $480 14%
Federal tax $443 13%
Groceries $352 10%
Transport $320 9%
Energy $197 6%
Water $55 2%
State tax $0 0%

Rent in Hernando County

Fair Market Rents by bedroom count.

Studio
$1,566
per month
1 bedroom
$1,686
per month
2 bedroom
$1,978
per month
3 bedroom
$2,533
per month
4 bedroom
$3,082
per month

Source: HUD FMR FY2025

Income and earnings in Hernando County

Annual earnings figures from the Census ACS.

Household income
$63,193
per year
Individual earnings
$37,176
per year
Per capita
$33,079
per year

Source: ACS 2019-2023 5-Year.

Home values in Hernando County

Average values reported by homeowners.

Average home value
$240,700
Annual property tax
$1,732

Source: ACS 2019-2023 5-Year

Energy costs in Hernando County

Estimated monthly electricity and gas costs.

Electricity
$176
per month · 16¢/kWh
Natural gas
$21
per month
Annual total
$2,364
per year

Source: EIA

Healthcare in Hernando County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
11.7%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Hernando County

State and local tax rates for Florida.

No state income tax
Florida does not levy a personal income tax.
State sales tax
6.0%
Combined sales tax
7.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Hernando County

Commute patterns and estimated costs.

Average commute
30.4 min
Drive alone
74.4%
Public transit
0.3%
Work from home
12.8%

Source: ACS

Monthly cost estimates for Hernando County

What it costs to live in Hernando County each month.

Single person
$3,533
per month
  • Rent $1,686
  • Energy $197
  • Water $55
  • Groceries $352
  • Transport $320
  • Healthcare $480
  • Federal tax $443
  • State tax $0
Couple
$4,850
per month
  • Rent $1,978
  • Energy $236
  • Water $65
  • Groceries $583
  • Transport $420
  • Healthcare $864
  • Federal tax $704
  • State tax $0
Family
$7,563
per month
  • Rent $2,533
  • Energy $296
  • Water $75
  • Groceries $885
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $704
  • State tax $0

Frequently asked questions about Hernando County

Common questions about cost of living, rent and salary.

What is the average rent in Hernando County?

In Hernando County, FL, a one-bedroom apartment averages $1,686 per month, a two-bedroom averages $1,978 per month, a three-bedroom averages $2,533 per month, according to HUD Fair Market Rent data.

What is the average salary in Hernando County?

In Hernando County, FL, the average household income is $63,193 per year and individual earnings for full-time workers average $37,176 per year, according to U.S. Census Bureau data.

What is the cost of living in Hernando County?

The estimated cost of living in Hernando County, FL is approximately $3,533 per month for a single person, $4,850 for a couple, $7,563 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hernando County?

The combined sales tax rate in Hernando County, FL is 7.01%, which includes the Florida state rate of 6.00% plus an average local rate of 1.01%.

Is Hernando County an affordable place to live?

Based on the data, a single person in Hernando County, FL would need approximately $3,533 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,193 per year ($5,266 per month). Hernando County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Hernando County?

The ACA marketplace benchmark premium in Hernando County, FL is approximately $480 per month for an individual. Approximately 11.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hernando County?

The average home value in Hernando County, FL is $240,700, with average annual property taxes of $1,732, according to U.S. Census Bureau data.

How does Hernando County compare to other areas?

You can compare Hernando County, FL with any other US county using our comparison tool at /compare. Hernando County is in the Tampa-St. Petersburg-Clearwater, FL metro area.

Other counties in Florida

Browse the full list of counties in Florida, ranked by cost of living.

See all counties in Florida

Compare Hernando County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources