Holmes Beach, FL vs Miramar Beach, FL

Holmes Beach is moderately more affordable than Miramar Beach, with a 5.1% lower cost of living index. Holmes Beach scores 145 compared to 153 for Miramar Beach, where the US average is 100. This difference means residents of Miramar Beach can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Holmes Beach is $1,786/month compared to $2,097/month in Miramar Beach — a 15% difference. Home values follow the same pattern: Holmes Beach is more affordable at $667,800 median vs $672,200.

Median household income in Holmes Beach is $99,063 compared to $97,159 in Miramar Beach (+2%). Holmes Beach offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Holmes Beach spend roughly 21.6% of their income on rent, less than the 25.9% in Miramar Beach.

Climate-wise, Holmes Beach is notably warmer with an average of 74.1°F compared to 69.8°F in Miramar Beach. Miramar Beach receives more rainfall at 55.4" per year compared to 49.1" in Holmes Beach.