Gulf Breeze, FL vs Neptune Beach, FL: Cost of Living

Which city costs less?

Neptune Beach, FL has a modeled overall cost index 2.9% higher than Gulf Breeze, FL.

Gulf Breeze, FL · modeled 2BR rent
$1,970 / month
Neptune Beach, FL · modeled 2BR rent
$1,810 / 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 Gulf Breeze, FL and Neptune Beach, FL 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

$
Numbers update automatically as you type

Estimated extra cost: $284/month in Neptune Beach, FL

$150,000 in your current city has a modeled equivalent of $153,409 in Neptune Beach, FL

Regional cost estimates: Gulf Breeze, FL uses Montgomery, AL. Neptune Beach, FL uses Jacksonville, FL. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 2.9%
More expensive
Monthly Impact
$284
Extra cost
Annual Impact
$3.4K
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.

Gulf Breeze, FL

Population:7K
Cost Index:
81.6
100 = national average
Typical Home:$659K

Neptune Beach, FL

Population:7K
Cost Index:
84.0
100 = national average
Typical Home:$740K

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Gulf Breeze, FL

The Sunshine State

7K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 7K residents.

💡 Advantage: Florida has no state income tax!

Neptune Beach, FL

The Sunshine State

7K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 7K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Gulf Breeze, FL vs Neptune Beach, FL

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.

Housing
↑ 11.4%
Gulf Breeze, FL
$1,933
Neptune Beach, FL
$2,154
Difference
$221
more
Healthcare
↑ 6.9%
Gulf Breeze, FL
$611
Neptune Beach, FL
$653
Difference
$42.35
more
Groceries
↑ 2.5%
Gulf Breeze, FL
$1,140
Neptune Beach, FL
$1,168
Difference
$28.50
more
All Utilities
↑ 2.3%
Gulf Breeze, FL
$643
Neptune Beach, FL
$658
Difference
$14.90
more
Other
↓ 0.8%
Gulf Breeze, FL
$1,773
Neptune Beach, FL
$1,759
Difference
$14.16
less
Transportation
↓ 0.6%
Gulf Breeze, FL
$1,399
Neptune Beach, FL
$1,391
Difference
$8.24
less

🏠Rent Comparison

Studio
From$1,500
To$1,480
↓ $20.00
1 Bed
From$1,670
To$1,510
↓ $160
2 Bed
From$1,970
To$1,810
↓ $160
3 Bed
From$2,630
To$2,230
↓ $400
Gulf Breeze, FLZIP-level data

1BR range: $1,670–$1,670/mo

Neptune Beach, FLZIP-level data

1BR range: $1,510–$1,510/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 Gulf Breeze, FL
$7,784
Monthly in Neptune Beach, FL
$284
Difference

Home Values

Gulf Breeze
Neptune Beach
$659K
Median Value
$740K
↓ -2.6%
YoY Change
↑ +1.1%
↑ +37.2%
5-Year Change
↑ +47.2%

Homes in Neptune Beach are 12% more expensive than Gulf Breeze

Calculate payment - Gulf BreezeCalculate payment - Neptune Beach

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Gulf Breeze, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Neptune Beach, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Gulf Breeze, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Neptune Beach, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

💡 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

Gulf Breeze
Neptune Beach
42 Good
Air Quality
50 Good
69%
Good Air Days
51.9%
92 Moderate
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌅🌀
▲+2.6°F
2050 Outlook
▲+2.3°F
62 days
Heat Days >95°F
36 days
▲+2.6°F
2050 Outlook
▲+2.3°F
62 days
Heat Days >95°F
36 days

Before moving from Gulf Breeze, FL to Neptune Beach, FL

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

  1. Compare actual homes. Get current quotes in Neptune Beach, FL for the same bedroom count and included utilities as your home in Gulf Breeze, FL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Gulf Breeze to Neptune Beach moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Neptune Beach, FL by cost, housing, population and region.

Frequently Asked Questions: Gulf Breeze, FL vs Neptune Beach, FL

How do the cost estimates for Gulf Breeze, FL and Neptune Beach, FL compare?

Neptune Beach, FL has a modeled overall cost index 2.9% higher than Gulf Breeze, 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 Gulf Breeze, FL, the model estimates $153,409 in Neptune Beach, FL. 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 Gulf Breeze, FL and Neptune Beach, FL?

The modeled two-bedroom rents are $1,970/month in Gulf Breeze, FL and $1,810/month in Neptune Beach, FL. 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.

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