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Crestview-Fort Walton Beach-Destin, FL

Cost of living in Okaloosa County, FL

Part of the Crestview Metro Area

Estimated monthly cost
$3,315/mo
for a single person, all categories combined

Population 214,281 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,398 42%
Federal tax $513 15%
Healthcare $480 14%
Groceries $352 11%
Transport $320 10%
Energy $197 6%
Water $55 2%
State tax $0 0%

Rent in Okaloosa County

Fair Market Rents by bedroom count.

Studio
$1,218
per month
1 bedroom
$1,398
per month
2 bedroom
$1,571
per month
3 bedroom
$2,184
per month
4 bedroom
$2,638
per month

Source: HUD FMR FY2025

Income and earnings in Okaloosa County

Annual earnings figures from the Census ACS.

Household income
$79,097
per year
Individual earnings
$41,396
per year
Per capita
$42,261
per year

Source: ACS 2019-2023 5-Year.

Home values in Okaloosa County

Average values reported by homeowners.

Average home value
$324,800
Annual property tax
$1,948

Source: ACS 2019-2023 5-Year

Energy costs in Okaloosa 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 Okaloosa County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
11.4%

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 Okaloosa 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 Okaloosa County

Commute patterns and estimated costs.

Average commute
26.3 min
Drive alone
76.4%
Public transit
0.3%
Work from home
9.2%

Source: ACS

Monthly cost estimates for Okaloosa County

What it costs to live in Okaloosa County each month.

Single person
$3,315
per month
  • Rent $1,398
  • Energy $197
  • Water $55
  • Groceries $352
  • Transport $320
  • Healthcare $480
  • Federal tax $513
  • State tax $0
Couple
$4,704
per month
  • Rent $1,571
  • Energy $236
  • Water $65
  • Groceries $583
  • Transport $420
  • Healthcare $864
  • Federal tax $965
  • State tax $0
Family
$7,475
per month
  • Rent $2,184
  • Energy $296
  • Water $75
  • Groceries $885
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $965
  • State tax $0

Frequently asked questions about Okaloosa County

Common questions about cost of living, rent and salary.

What is the average rent in Okaloosa County?

In Okaloosa County, FL, a one-bedroom apartment averages $1,398 per month, a two-bedroom averages $1,571 per month, a three-bedroom averages $2,184 per month, according to HUD Fair Market Rent data.

What is the average salary in Okaloosa County?

In Okaloosa County, FL, the average household income is $79,097 per year and individual earnings for full-time workers average $41,396 per year, according to U.S. Census Bureau data.

What is the cost of living in Okaloosa County?

The estimated cost of living in Okaloosa County, FL is approximately $3,315 per month for a single person, $4,704 for a couple, $7,475 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Okaloosa County?

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

Is Okaloosa County an affordable place to live?

Based on the data, a single person in Okaloosa County, FL would need approximately $3,315 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $79,097 per year ($6,591 per month). Okaloosa County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Okaloosa County?

The ACA marketplace benchmark premium in Okaloosa County, FL is approximately $480 per month for an individual. Approximately 11.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Okaloosa County?

The average home value in Okaloosa County, FL is $324,800, with average annual property taxes of $1,948, according to U.S. Census Bureau data.

How does Okaloosa County compare to other areas?

You can compare Okaloosa County, FL with any other US county using our comparison tool at /compare. Okaloosa County is in the Crestview-Fort Walton Beach-Destin, FL metro area.

Other counties in Florida

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

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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