Cost Of Living In Tampa, FL 2026: Rent, Utilities & More
“Sunshine, Savings & Student Life in Tampa!"
Table of Content
- Average Cost of Living in Tampa
- Cost of Living in Tampa, FL: Rent & Housing Costs
- Cost of Living in Tampa, FL: Rent by Neighborhoods
- Where to Find the Best & Affordable Apartments For Rent in Tampa?
- Cost of Living in Tampa, FL: Utilities Costs
- Cost of Living in Tampa, FL: Transportation Costs
- Cost of Living in Tampa, FL: Food & Grocery Costs
- Cost of Living in Tampa, FL: Entertainment & Leisure Costs
- Cost of Living in Tampa, FL: Healthcare Costs
- Cost of Living in Tampa, FL: Miscellaneous Costs
- Comparison of Cost of Living in Tampa, FL with Other Cities in Florida
Moving to a new city is exciting, but one of the first questions every student or young professional asks is: “How much will it actually cost me to live there?” The cost of living in Tampa averages around $1,600 – $2,200 per month for a single person. The cost of living index of Tampa FL is 104.2, lower than the national average and more affordable than cities like Miami or Orlando. From housing and utilities to food and transportation, understanding expenses upfront helps you plan smarter, avoid surprises, and make the most of your life in the Sunshine City.
Average Cost of Living in Tampa
The average cost of living in Tampa FL, is about 3–5% lower than the national average, making it a budget-friendly option for students and young professionals. The average cost of living in Tampa ranges between $1,600 – $2,200 per month, compared to the United States average of $2,100 – $2,400 per month.
| Expense Category | Tampa (Monthly Avg.) | Comparison |
|---|---|---|
| Housing (1BR apartment) | $1,400 – $1,900 | Around 10% lower than the national average |
| Shared Student Housing | $700 – $1,100 | About 8–12% lower than the national average |
| Utilities & Internet | $200 – $270 | Roughly 10–15% lower than the national average |
| Food & Groceries | $300 – $450 | Around 8–10% lower than the national average |
| Transportation (Public) | $65 – $100 | About 15% lower than the national average |
| Entertainment & Others | $200 – $350 | Around 12–15% lower than the national average |
Cost of Living in Tampa, FL: Rent & Housing Costs
Housing makes up the biggest portion of the cost of living in Tampa FL. The average rent for a one-bedroom apartment in Tampa is between $1,400 – $1,900 per month, while shared student housing options can start as low as $700 per month. Compared to Miami, Tampa’s rent is nearly 15–20% cheaper, making it attractive for students.
| Expense Category | Tampa (Monthly Avg.) | Comparison |
|---|---|---|
| Housing (1BR apartment) | $1,400 – $1,900 | Around 10% lower than the national average |
| Shared Student Housing | $700 – $1,100 | About 8–12% lower than the national average |
| Utilities & Internet | $200 – $270 | Roughly 10–15% lower than the national average |
| Food & Groceries | $300 – $450 | Around 8–10% lower than the national average |
| Transportation (Public) | $65 – $100 | About 15% lower than the national average |
| Entertainment & Others | $200 – $350 | Around 12–15% lower than the national average |
Tip: Using trusted platforms like amber, students explore verified listings, compare prices, and book housing close to campus without hidden fees, making budgeting for rent much easier.
Cost of Living in Tampa, FL: Rent by Neighborhoods
When looking at the cost of living in Tampa Bay, rent varies a lot depending on the neighborhood. Here are some of the most student-friendly areas and what you can expect:
1. Hyde Park: One of Tampa’s most desirable neighborhoods, Hyde Park offers a mix of historic charm and modern apartments. Average rent for a one-bedroom here ranges from $1,600 to $2,100 per month, making it slightly higher than in other areas.
2. Seminole Heights: Known for its artsy vibe and local breweries, Seminole Heights is budget-friendlier compared to Hyde Park. Rent for a one-bedroom sits between $1,200 and $1,600 per month.
3. Ybor City: Famous for its nightlife, culture, and historic brick streets, Ybor City is both lively and student-friendly. Rent is more affordable, averaging $1,100 to $1,500 per month.
4. Downtown Tampa: Living in the heart of the city comes at a premium. A one-bedroom in downtown costs between $1,700 and $2,300 per month.
5. Westshore: A business and commercial hub, Westshore attracts young professionals and graduate students. Rent for a one-bedroom here ranges from $1,400 to $1,900 per month.
Where to Find the Best & Affordable Apartments For Rent in Tampa?
Finding student housing in Tampa doesn’t have to break the bank. With amber, students can explore a wide range of high-quality yet cheap apartments in Tampa that are close to top universities and fully equipped with modern amenities. Amber makes it simple to compare options, lock in affordable rent, and secure a hassle-free living experience. Here are some affordable housing options to lower the Tampa living expenses, with rents ranging from as low as $500/month:
1. The Ivy
2. The Social
3. On50
Cost of Living in Tampa, FL: Utilities Costs
Utilities make up a significant part of the living expenses in Tampa Florida, averaging $200 – $270 per month. This includes electricity, water, garbage, and internet, with costs slightly lower than the overall price of living in Tampa Florida, compared to other major U.S. cities.
| Utility Type | Average Monthly Cost |
|---|---|
| Electricity, Heating & Cooling | $120 – $160 |
| Water & Garbage | $40 – $60 |
| Internet (High-Speed) | $60 – $70 |
| Mobile Phone Plan | $50 – $70 |
| Total (approx.) | $200 – $270 |
Tip: To avoid fluctuating utility bills, students can opt for amber-listed apartments where utilities are often included in the rent, keeping monthly expenses predictable and easier to budget.
Cost of Living in Tampa, FL: Transportation Costs
Transportation plays a big role in the average living cost in Tampa Florida, though it is generally affordable compared to other U.S. cities. A monthly HART bus pass costs around $65, while one-way fares are $2. Students benefit from discounted passes, and many universities, like the University of South Florida, also provide free campus shuttles that cut down commuting costs. Overall, transport is a manageable part of the cost of living in Tampa FL.
| Mode of Transport | Average Cost |
|---|---|
| HART Monthly Bus Pass | $65 |
| One-Way Bus Fare | $2 |
| Gasoline (per gallon) | ~$3.40 |
| Taxi/Uber/Lyft (short ride) | $10 – $20 |
| Bike Rentals/Scooters | $25 – $40 per month |
| Student Shuttle Services | Free (provided by universities like USF) |
Tip: Students can save significantly by booking amber-listed apartments near campus or bus routes, reducing the need for ride-shares. Combining USF university shuttle services with discounted student bus passes makes transportation in Tampa both affordable and convenient.
Cost of Living in Tampa, FL: Food & Grocery Costs
Food plays an important role in the price of living in Tampa Florida, with monthly grocery expenses averaging $300 – $450 per person. Eating out is also affordable compared to larger U.S. cities; fast-food meals cost about $10, while mid-range restaurants are around $15 – $20 per meal. Managing food expenses wisely can help keep overall Tampa living expenses within budget.
| Food & Grocery Item | Average Cost |
|---|---|
| Monthly Groceries (per person) | $300 – $450 |
| Fast-Food Meal | $10 |
| Mid-Range Restaurant Meal | $15 – $20 |
| Coffee (regular) | $3 – $5 |
| Milk (1 gallon) | $3.70 |
| Bread (1 loaf) | $2.50 |
| Eggs (12) | $3.50 |
| Chicken (1 lb) | $4.50 |
| Rice (1 lb) | $1.80 |
| Apples (1 lb) | $2.20 |
| Bananas (1 lb) | $0.70 |
| Potatoes (5 lb bag) | $4.50 |
| Local Beer (pint) | $5 – $7 |
| Restaurant Dinner for Two | $55 – $70 |
Cost of Living in Tampa, FL: Entertainment & Leisure Costs
Entertainment and leisure form a fun but notable part of the average living cost in Tampa Florida. Students can expect to spend around $200 – $350 per month on activities like gym memberships, movies, nightlife, and events. Tampa offers plenty of affordable options, beach outings are free, while local sports and concerts add variety. Balancing these with essentials ensures the cost of living in Tampa FL stays manageable.
| Entertainment & Leisure | Average Cost |
|---|---|
| Gym Membership | $40 – $60 per month |
| Movie Ticket | $12 – $15 |
| Night Out (club/bar) | $40 – $70 |
| Concert/Sports Ticket | $50 – $120 |
| Streaming Subscription | $10 – $18 per month |
| Museum Entry | $15 – $25 |
| Monthly Leisure Budget | $200 – $350 |
Tip: Students can save by taking advantage of free or low-cost activities like local festivals, community events, and beach outings instead of frequent nights out.
Cost of Living in Tampa, FL: Healthcare Costs
Healthcare is an essential part of the living expenses in Tampa Florida. On average, students and young professionals spend $200 – $400 per month, depending on their health insurance plan, doctor visits, and prescriptions. Florida requires international students to maintain health insurance, which adds to the cost of living in Tampa FL, but also ensures access to quality healthcare services.
| Healthcare Expense | Average Monthly Cost |
|---|---|
| Health Insurance (student) | $150 – $300 |
| Doctor’s Visit (without insurance) | $100 – $150 |
| Specialist Consultation | $150 – $250 |
| Prescription Medicines | $20 – $60 |
| Dental Check-up | $80 – $120 |
| Total (approx.) | $200 – $400 |
Tip: Students can reduce healthcare costs by using university health centers, opting for generic prescription medicines, and making the most of preventative care included in their insurance.
Cost of Living in Tampa, FL: Miscellaneous Costs
Beyond housing, food, and transportation, students should also budget for miscellaneous living expenses in Tampa Florida. These include health insurance, clothing, personal care, and study supplies, which together add about $150 – $300 per month to the overall cost of living in Tampa FL.
| Miscellaneous Expense | Average Monthly Cost |
|---|---|
| Health Insurance (student) | $100 – $200 |
| Clothing & Shoes | $50 – $100 |
| Personal Care (toiletries, grooming) | $30 – $60 |
| Study Materials/Books | $40 – $70 |
| Household Items | $30 – $50 |
| Total (approx.) | $150 – $300 |
Tip: Choosing amber accommodations that offer furnished units can help students save on household items and essentials, keeping living expenses in Tampa Florida, more manageable.
Comparison of Cost of Living in Tampa, FL with Other Cities in Florida
When evaluating the cost of living in Tampa FL, it helps to compare it with nearby Florida cities. Overall, Tampa is more affordable than Miami and Fort Lauderdale, while being slightly more expensive than college towns like Gainesville or Tallahassee.
| City | Average Monthly Living Cost | Key Notes |
|---|---|---|
| Tampa | $1,600 – $2,200 | 3–5% below the national average; affordable housing near universities |
| Miami | $2,200 – $2,800 | ~15–20% higher than Tampa; housing and dining are more expensive |
| Orlando | $1,700 – $2,300 | Similar to Tampa, but with slightly higher rent in tourist-heavy areas |
| Jacksonville | $1,500 – $2,000 | Cheaper than Tampa; larger housing options at a lower cost |
| Gainesville | $1,300 – $1,800 | One of the most affordable student cities, with lower rent and food costs |
| Tallahassee | $1,300 – $1,900 | Similar to Gainesville; strong student presence keeps costs lower |
Students looking for affordability with access to beaches, jobs, and universities often find Tampa a middle ground; it’s cheaper than Miami while offering more urban opportunities than Gainesville or Tallahassee.
The cost of living in Tampa FL single person ranges between $1,600 – $2,200, making it one of the most balanced and affordable big cities in the state. For a single person, the cost of living in Tampa FL is lower than Miami or Orlando, while still offering strong career opportunities, student-friendly housing, and a happening lifestyle. With smart budgeting, Tampa allows students and young professionals to enjoy quality education, coastal living, and cultural experiences without overspending.
Frequently Asked Questions
What salary do you need to live in Tampa?
To comfortably cover the cost of living in Tampa FL, a single person typically needs a salary of around $45,000 – $55,000 per year. This accounts for housing, food, transportation, and leisure. For families, the range increases to $70,000 – $80,000 annually, depending on lifestyle and housing choices.
Is Tampa, Florida, expensive to live in?
No, Tampa is not considered very expensive. In fact, the average living cost in Tampa Florida is about 3–5% lower than the national average. Housing and utilities are cheaper than in cities like Miami or Orlando, making Tampa an affordable option for students and young professionals.
Where does Tampa rank in cost of living?
Tampa consistently ranks as a mid-range, affordable city in the U.S. for cost of living. Compared to other major Florida cities, it’s more affordable than Miami and Fort Lauderdale, while slightly higher than smaller cities like Gainesville or Tallahassee.
Is it more expensive to live in Miami or Tampa?
Miami is significantly more expensive than Tampa. Housing in Miami is about 15–20% higher, and overall living costs are 10–15% more than the price of living in Tampa Florida. Students and professionals often choose Tampa for its balance of affordability and lifestyle.
Is 80k enough to live in Tampa?
Yes, earning $80,000 per year in Tampa is more than enough for a comfortable lifestyle. With the cost of living in Tampa FL, averaging $1,600–$2,200 per month for singles, this salary allows for savings, entertainment, and other expenses while still living well.
What is the most cost-effective place to live in Florida?
Some of the most cost-effective places to live in Florida include Tampa, Gainesville, Tallahassee, and Jacksonville. These cities offer affordable housing, lower utility costs, and student-friendly amenities compared to pricier cities like Miami or Orlando.