Naples, FL vs St. Augustine Beach, FL

The cost of living difference between Naples, FL and St. Augustine Beach, FL is dramatic. St. Augustine Beach is 48.2% cheaper than Naples, a gap that translates to thousands of dollars per year in household expenses. Naples has a cost index of 200 while St. Augustine Beach sits at 135, 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 Naples is $1,968/month compared to $1,700/month in St. Augustine Beach — a 16% difference. Home values follow the same pattern: St. Augustine Beach is more affordable at $590,100 median vs $1,254,200.

Median household income in Naples is $140,833 compared to $92,661 in St. Augustine Beach (+52%). While Naples is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Naples spend roughly 16.8% of their income on rent, less than the 22% in St. Augustine Beach.

Climate-wise, Naples is notably warmer with an average of 75.5°F compared to 71.4°F in St. Augustine Beach. Naples receives more rainfall at 49.6" per year compared to 47.6" in St. Augustine Beach.