Cost of Living in Samsula-Spruce Creek, FL

With a cost of living index of 140, Samsula-Spruce Creek, FL is one of the most expensive cities in the United States. Living here is 40% more expensive than the national average and 30% above the Florida state average of 110. Samsula-Spruce Creek is a smaller community of 5,174 residents, where everyday costs can differ substantially from nearby larger cities.

Housing costs are the biggest factor in Samsula-Spruce Creek's cost of living. The median monthly rent is $2,440 (85% above the US median of $1,319), and the median home value sits at $384,100 (26% above the national median of $304,900). At current prices, the median home costs roughly 4.2x the median household income — a moderately affordable ratio by today's standards.

The median household income in Samsula-Spruce Creek is $90,575, which is 21% higher than the national median of $75,149. Residents spend roughly 32% of household income on rent. This exceeds the recommended 30% threshold, meaning many renters here are cost-burdened. While incomes are above average, they do not fully offset the higher cost of living.

Climate is another factor for anyone considering a move to Samsula-Spruce Creek. The area sees an average annual temperature of 71.5°F, with summers averaging 81°F and winters around 61°F. Annual rainfall totals 51.3 inches spread over roughly 119 days. The mild climate is a draw for many residents and keeps utility costs moderate year-round.

Everyday prices in the Deltona-Daytona Beach-Ormond Beach, 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.