Lady Lake, FL vs Surfside, FL

The cost of living difference between Lady Lake, FL and Surfside, FL is dramatic. Lady Lake is 38.5% cheaper than Surfside, a gap that translates to thousands of dollars per year in household expenses. Lady Lake has a cost index of 95 while Surfside sits at 154, 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 Lady Lake is $1,361/month compared to $1,795/month in Surfside — a 24% difference. Home values follow the same pattern: Lady Lake is more affordable at $217,900 median vs $736,800.

Median household income in Lady Lake is $47,260 compared to $88,938 in Surfside (-46.9%). While Surfside is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Lady Lake spend roughly 34.6% of their income on rent, more than the 24.2% in Surfside. The Surfside ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.

Climate-wise, Surfside is notably warmer with an average of 76.1°F compared to 72.8°F in Lady Lake. Surfside receives more rainfall at 57.2" per year compared to 43.8" in Lady Lake.