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Pensacola-Ferry Pass-Brent, FL

Cost of living in Santa Rosa County, FL

Part of the Pensacola Metro Area

Estimated monthly cost
$3,305/mo
for a single person, all categories combined

Population 193,719 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,361 41%
Federal tax $540 16%
Healthcare $480 15%
Groceries $352 11%
Transport $320 10%
Energy $197 6%
Water $55 2%
State tax $0 0%

Rent in Santa Rosa County

Fair Market Rents by bedroom count.

Studio
$1,219
per month
1 bedroom
$1,361
per month
2 bedroom
$1,605
per month
3 bedroom
$2,147
per month
4 bedroom
$2,644
per month

Source: HUD FMR FY2025

Income and earnings in Santa Rosa County

Annual earnings figures from the Census ACS.

Household income
$88,968
per year
Individual earnings
$43,079
per year
Per capita
$41,388
per year

Source: ACS 2019-2023 5-Year.

Home values in Santa Rosa County

Average values reported by homeowners.

Average home value
$302,100
Annual property tax
$1,809

Source: ACS 2019-2023 5-Year

Energy costs in Santa Rosa 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 Santa Rosa County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
10.4%

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 Santa Rosa 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 Santa Rosa County

Commute patterns and estimated costs.

Average commute
30.2 min
Drive alone
77.0%
Public transit
0.0%
Work from home
11.6%

Source: ACS

Monthly cost estimates for Santa Rosa County

What it costs to live in Santa Rosa County each month.

Single person
$3,305
per month
  • Rent $1,361
  • Energy $197
  • Water $55
  • Groceries $352
  • Transport $320
  • Healthcare $480
  • Federal tax $540
  • State tax $0
Couple
$4,899
per month
  • Rent $1,605
  • Energy $236
  • Water $65
  • Groceries $583
  • Transport $420
  • Healthcare $864
  • Federal tax $1,126
  • State tax $0
Family
$7,599
per month
  • Rent $2,147
  • Energy $296
  • Water $75
  • Groceries $885
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,126
  • State tax $0

Frequently asked questions about Santa Rosa County

Common questions about cost of living, rent and salary.

What is the average rent in Santa Rosa County?

In Santa Rosa County, FL, a one-bedroom apartment averages $1,361 per month, a two-bedroom averages $1,605 per month, a three-bedroom averages $2,147 per month, according to HUD Fair Market Rent data.

What is the average salary in Santa Rosa County?

In Santa Rosa County, FL, the average household income is $88,968 per year and individual earnings for full-time workers average $43,079 per year, according to U.S. Census Bureau data.

What is the cost of living in Santa Rosa County?

The estimated cost of living in Santa Rosa County, FL is approximately $3,305 per month for a single person, $4,899 for a couple, $7,599 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Santa Rosa County?

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

Is Santa Rosa County an affordable place to live?

Based on the data, a single person in Santa Rosa County, FL would need approximately $3,305 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $88,968 per year ($7,414 per month). Santa Rosa County is relatively affordable compared to the national average.

How much does healthcare cost in Santa Rosa County?

The ACA marketplace benchmark premium in Santa Rosa County, FL is approximately $480 per month for an individual. Approximately 10.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Santa Rosa County?

The average home value in Santa Rosa County, FL is $302,100, with average annual property taxes of $1,809, according to U.S. Census Bureau data.

How does Santa Rosa County compare to other areas?

You can compare Santa Rosa County, FL with any other US county using our comparison tool at /compare. Santa Rosa County is in the Pensacola-Ferry Pass-Brent, 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 Santa Rosa 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