Madeira Beach, FL vs Pine Lakes, FL

The cost of living difference between Madeira Beach, FL and Pine Lakes, FL is dramatic. Pine Lakes is 111.8% cheaper than Madeira Beach, a gap that translates to thousands of dollars per year in household expenses. Madeira Beach has a cost index of 156 while Pine Lakes sits at 74, 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 Madeira Beach is $2,080/month compared to $1,104/month in Pine Lakes — a 88% difference. Home values follow the same pattern: Pine Lakes is more affordable at $56,400 median vs $696,400.

Median household income in Madeira Beach is $79,798 compared to $75,075 in Pine Lakes (+6.3%). Madeira Beach does offer higher incomes, but the salary premium barely offsets the higher cost of living, leaving residents with a tighter budget. Looking at affordability, residents of Madeira Beach spend roughly 31.3% of their income on rent, more than the 17.6% in Pine Lakes. The Pine Lakes ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.

Climate-wise, both cities share similar average temperatures (73.9°F vs 73.2°F). Madeira Beach receives more rainfall at 53.6" per year compared to 49.6" in Pine Lakes.