Hillsboro Beach, FL vs Three Oaks, FL

The cost of living difference between Hillsboro Beach, FL and Three Oaks, FL is dramatic. Three Oaks is 49.2% cheaper than Hillsboro Beach, a gap that translates to thousands of dollars per year in household expenses. Hillsboro Beach has a cost index of 189 while Three Oaks sits at 127, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Hillsboro Beach is $3,109/month compared to $1,851/month in Three Oaks — a 68% difference. Home values follow the same pattern: Three Oaks is more affordable at $421,300 median vs $677,500.

Median household income in Hillsboro Beach is $96,176 compared to $102,392 in Three Oaks (-6.1%). Three Oaks offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Hillsboro Beach spend roughly 38.8% of their income on rent, more than the 21.7% in Three Oaks. The Three Oaks ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.

Climate-wise, both cities share similar average temperatures (77.2°F vs 75°F). Hillsboro Beach receives more rainfall at 55.6" per year compared to 53.4" in Three Oaks.