Fort Pierce, FL vs Florence, KY: Cost of Living

Which city costs less?

Florence, KY has a modeled overall cost index 11.0% lower than Fort Pierce, FL.

Fort Pierce, FL · modeled 2BR rent: $1,475 / month
Florence, KY · modeled 2BR rent: $1,560 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Fort Pierce, FL and Florence, KY using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Fort Pierce, FL

Numbers update automatically as you type

Estimated savings: $849/month in Florence, KY

$150,000 in your current city has a modeled equivalent of $139,807 in Florence, KY

Regional cost estimates: Fort Pierce, FL uses Orlando, FL. Florence, KY uses Cincinnati, OH. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 11.0%

Less expensive

Monthly Impact

$849

Savings

Annual Impact

$10.2K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Fort Pierce, FL

Population:49K

Cost Index:

95.1

100 = national average

Typical Home:$282K

Florence, KY

Population:33K

Cost Index:

84.7

100 = national average

Typical Home:$270K

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Fort Pierce, FL

The Sunshine State

49K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 49K residents.

💡 Advantage: Florida has no state income tax!

Florence, KY

The Bluegrass State

33K

Population

State Tax

Yes

Located in Kentucky, this city has a population of 33K residents.

Cost Breakdown by Category

Estimated monthly spending: Fort Pierce, FL vs Florence, KY

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Fort Pierce, FL	Florence, KY	Difference	Change
Housing	$2,346/mo	$1,860/mo	↓ $486less	20.7%
Other	$1,744/mo	$1,597/mo	↓ $146less	8.4%
All Utilities	$576/mo	$473/mo	↓ $103less	17.8%
Groceries	$1,023/mo	$937/mo	↓ $86.33less	8.4%
Transportation	$1,239/mo	$1,208/mo	↓ $30.07less	2.4%
Healthcare	$572/mo	$575/mo	↑ $2.36more	0.4%

Housing

↓ 20.7%

Fort Pierce, FL

$2,346

Florence, KY

$1,860

Difference

$486

less

Other

↓ 8.4%

Fort Pierce, FL

$1,744

Florence, KY

$1,597

Difference

$146

less

All Utilities

↓ 17.8%

Fort Pierce, FL

$576

Florence, KY

$473

Difference

$103

less

Groceries

↓ 8.4%

Fort Pierce, FL

$1,023

Florence, KY

$937

Difference

$86.33

less

Transportation

↓ 2.4%

Fort Pierce, FL

$1,239

Florence, KY

$1,208

Difference

$30.07

less

Healthcare

↑ 0.4%

Fort Pierce, FL

$572

Florence, KY

$575

Difference

$2.36

🏛️ Local Income Taxes

Florence, KY: Florence Occupational Tax$3,000/yr (2.0%)

Fort Pierce, FL has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$1,225

To$1,100

↓ $125

1 Bed

From$1,235

To$1,210

↓ $25.00

2 Bed

From$1,475

To$1,560

↑ $85.00

3 Bed

From$2,040

To$2,060

↑ $20.00

Fort Pierce, FLZIP-level data

1BR range: $1,230–$1,470/mo

Florence, KYZIP-level data

1BR range: $1,210–$1,210/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Fort Pierce, FL

$6,651

Monthly in Florence, KY

$849

Difference

Home Values

Fort Pierce

Florence

$282K

Median Value

$270K

↓ -3.7%

YoY Change

↑ +0.4%

↑ +45.5%

5-Year Change

↑ +28.9%

$184K - $412K

Price Range

$270K

Homes in Florence are 4% less expensive than Fort Pierce

Calculate payment - Fort Pierce Calculate payment - Florence

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.5K

More taxes

Monthly Difference

$625

Less take-home

Effective Rate Diff

5.0%

Rate difference

Fort Pierce, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Florence, KY

Federal Income Tax

Effective: 18.9%

$25.5K

Kentucky State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

Additional Tax Information

Fort Pierce, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Florence, KY Tax Rates

Sales Tax:6.0%

Property Tax:0.9%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Fort Pierce

Florence

41 Good

Air Quality

52 Moderate

75.6%

Good Air Days

44.8%

98 High

Climate Risk

96 High

🌊🌀🌪

Top Hazards

🌊🌡🌪

▲+2.3°F

2050 Outlook

▲+3.1°F

58 days

Heat Days >95°F

29 days

▲+2.3°F

2050 Outlook

▲+3.1°F

58 days

Heat Days >95°F

29 days

Before moving from Fort Pierce, FL to Florence, KY

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Florence, KY for the same bedroom count and included utilities as your home in Fort Pierce, FL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Fort Pierce to Florence moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Florence, KY by cost, housing, population and region.

Frequently Asked Questions: Fort Pierce, FL vs Florence, KY

How do the cost estimates for Fort Pierce, FL and Florence, KY compare?

Florence, KY has a modeled overall cost index 11.0% lower than Fort Pierce, FL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Fort Pierce, FL, the model estimates $139,807 in Florence, KY. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Fort Pierce, FL and Florence, KY?

The modeled two-bedroom rents are $1,475/month in Fort Pierce, FL and $1,560/month in Florence, KY. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Florida and Kentucky on TaxTakeHome.com