Cost of Living in Moon Lake, FL

With a cost of living index of 71, Moon Lake, FL is one of the most affordable cities in the country. Living here is 29% cheaper than the national average and 39% below the Florida state average of 110. Moon Lake is a small community of 4,572 residents.

Housing costs are the biggest factor in Moon Lake's cost of living. The median monthly rent is $1,038 (21% below the US median of $1,319), and the median home value sits at $49,400 (84% below the national median of $304,900). At current prices, the median home costs roughly 1.3x the median household income — well within traditional affordability guidelines.

The median household income in Moon Lake is $36,901, which is 51% lower than the national median of $75,149. Residents spend roughly 34% of household income on rent. This exceeds the recommended 30% threshold, meaning many renters here are cost-burdened. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Moon Lake. The area sees an average annual temperature of 70.7°F, with summers averaging 81°F and winters around 59°F. Annual rainfall totals 51.9 inches spread over roughly 126 days.

Everyday prices in the Tampa-St. Petersburg-Clearwater, FL (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.