Charlotte Harbor, FL vs Keystone Heights, FL

Charlotte Harbor is moderately more affordable than Keystone Heights, with a 6.3% lower cost of living index. Charlotte Harbor scores 85 compared to 91 for Keystone Heights, where the US average is 100. This difference means residents of Keystone Heights can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Charlotte Harbor is $1,139/month compared to $1,269/month in Keystone Heights — a 10% difference. Home values follow the same pattern: Charlotte Harbor is more affordable at $194,200 median vs $212,200.

Median household income in Charlotte Harbor is $41,750 compared to $77,938 in Keystone Heights (-46.4%). While Keystone Heights is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Charlotte Harbor spend roughly 32.7% of their income on rent, more than the 19.5% in Keystone Heights. The Keystone Heights ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.