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Sebastian-Vero Beach-West Vero Corridor, FL

Cost of living in Indian River County, FL

Part of the Sebastian Metro Area

Estimated monthly cost
$3,086/mo
for a single person, all categories combined

Population 163,856 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,246 40%
Healthcare $480 16%
Federal tax $436 14%
Groceries $352 11%
Transport $320 10%
Energy $197 6%
Water $55 2%
State tax $0 0%

Rent in Indian River County

Fair Market Rents by bedroom count.

Studio
$1,239
per month
1 bedroom
$1,246
per month
2 bedroom
$1,567
per month
3 bedroom
$1,948
per month
4 bedroom
$2,601
per month

Source: HUD FMR FY2025

Income and earnings in Indian River County

Annual earnings figures from the Census ACS.

Household income
$71,049
per year
Individual earnings
$36,726
per year
Per capita
$46,273
per year

Source: ACS 2019-2023 5-Year.

Home values in Indian River County

Average values reported by homeowners.

Average home value
$314,700
Annual property tax
$2,288

Source: ACS 2019-2023 5-Year

Energy costs in Indian River 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 Indian River County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
10.6%

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 Indian River 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 Indian River County

Commute patterns and estimated costs.

Average commute
23.7 min
Drive alone
74.0%
Public transit
0.6%
Work from home
11.8%

Source: ACS

Monthly cost estimates for Indian River County

What it costs to live in Indian River County each month.

Single person
$3,086
per month
  • Rent $1,246
  • Energy $197
  • Water $55
  • Groceries $352
  • Transport $320
  • Healthcare $480
  • Federal tax $436
  • State tax $0
Couple
$4,568
per month
  • Rent $1,567
  • Energy $236
  • Water $65
  • Groceries $583
  • Transport $420
  • Healthcare $864
  • Federal tax $833
  • State tax $0
Family
$7,107
per month
  • Rent $1,948
  • Energy $296
  • Water $75
  • Groceries $885
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $833
  • State tax $0

Frequently asked questions about Indian River County

Common questions about cost of living, rent and salary.

What is the average rent in Indian River County?

In Indian River County, FL, a one-bedroom apartment averages $1,246 per month, a two-bedroom averages $1,567 per month, a three-bedroom averages $1,948 per month, according to HUD Fair Market Rent data.

What is the average salary in Indian River County?

In Indian River County, FL, the average household income is $71,049 per year and individual earnings for full-time workers average $36,726 per year, according to U.S. Census Bureau data.

What is the cost of living in Indian River County?

The estimated cost of living in Indian River County, FL is approximately $3,086 per month for a single person, $4,568 for a couple, $7,107 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Indian River County?

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

Is Indian River County an affordable place to live?

Based on the data, a single person in Indian River County, FL would need approximately $3,086 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $71,049 per year ($5,921 per month). Indian River County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Indian River County?

The ACA marketplace benchmark premium in Indian River County, FL is approximately $480 per month for an individual. Approximately 10.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Indian River County?

The average home value in Indian River County, FL is $314,700, with average annual property taxes of $2,288, according to U.S. Census Bureau data.

How does Indian River County compare to other areas?

You can compare Indian River County, FL with any other US county using our comparison tool at /compare. Indian River County is in the Sebastian-Vero Beach-West Vero Corridor, 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 Indian River 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