Highland Beach, FL vs Madeira Beach, FL: Cost of Living

Which city costs less?

Madeira Beach, FL has a modeled overall cost index 8.1% lower than Highland Beach, FL.

Highland Beach, FL · modeled 2BR rent: $2,870 / month
Madeira Beach, FL · modeled 2BR rent: $2,510 / 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 Highland Beach, FL and Madeira 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

Current salary in Highland Beach, FL

Numbers update automatically as you type

Estimated savings: $713/month in Madeira Beach, FL

$150,000 in your current city has a modeled equivalent of $141,445 in Madeira Beach, FL

Regional cost estimates: Highland Beach, FL uses Hialeah, FL. Madeira Beach, FL uses Tampa, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 8.1%

Less expensive

Monthly Impact

$713

Savings

Annual Impact

$8.6K

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.

Highland Beach, FL

Population:4K

Cost Index:

101.0

100 = national average

Typical Home:$655K

Madeira Beach, FL

Population:4K

Cost Index:

92.8

100 = national average

Typical Home:$501K

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Highland Beach, FL

The Sunshine State

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 4K residents.

💡 Advantage: Florida has no state income tax!

Madeira Beach, FL

The Sunshine State

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 4K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Highland Beach, FL vs Madeira 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.

Category	Highland Beach, FL	Madeira Beach, FL	Difference	Change
Housing	$2,546/mo	$2,116/mo	↓ $430less	16.9%
Transportation	$1,273/mo	$1,117/mo	↓ $156less	12.2%
Other	$1,676/mo	$1,572/mo	↓ $104less	6.2%
Groceries	$990/mo	$934/mo	↓ $55.51less	5.6%
All Utilities	$476/mo	$526/mo	↑ $49.80more	10.5%
Healthcare	$540/mo	$522/mo	↓ $17.34less	3.2%

Housing

↓ 16.9%

Highland Beach, FL

$2,546

Madeira Beach, FL

$2,116

Difference

$430

less

Transportation

↓ 12.2%

Highland Beach, FL

$1,273

Madeira Beach, FL

$1,117

Difference

$156

less

Other

↓ 6.2%

Highland Beach, FL

$1,676

Madeira Beach, FL

$1,572

Difference

$104

less

Groceries

↓ 5.6%

Highland Beach, FL

$990

Madeira Beach, FL

$934

Difference

$55.51

less

All Utilities

↑ 10.5%

Highland Beach, FL

$476

Madeira Beach, FL

$526

Difference

$49.80

Healthcare

↓ 3.2%

Highland Beach, FL

$540

Madeira Beach, FL

$522

Difference

$17.34

less

🏠Rent Comparison

Studio

From$2,280

To$2,020

↓ $260

1 Bed

From$2,420

To$2,150

↓ $270

2 Bed

From$2,870

To$2,510

↓ $360

3 Bed

From$3,720

To$3,210

↓ $510

Highland Beach, FLZIP-level data

1BR range: $2,420–$2,420/mo

Madeira Beach, FLZIP-level data

1BR range: $2,150–$2,150/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 Highland Beach, FL

$6,787

Monthly in Madeira Beach, FL

$713

Difference

Home Values

Highland Beach

Madeira Beach

$655K

Median Value

$501K

↓ -3.3%

YoY Change

↓ -12.5%

↑ +43.3%

5-Year Change

↑ +20.6%

Homes in Madeira Beach are 23% less expensive than Highland Beach

Calculate payment - Highland Beach Calculate payment - Madeira 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

Same take-home

Effective Rate Diff

0.0%

Rate difference

Highland Beach, 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

Madeira Beach, 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

Additional Tax Information

Highland Beach, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Madeira 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

Highland Beach

Madeira Beach

48 Good

Air Quality

50 Good

59.8%

Good Air Days

52.5%

100 Very High

Climate Risk

99 High

🌊🌅🌀

Top Hazards

🌊🌅🌀

▲+2.3°F

2050 Outlook

▲+2.2°F

22 days

Heat Days >95°F

38 days

▲+2.3°F

2050 Outlook

▲+2.2°F

22 days

Heat Days >95°F

38 days

Before moving from Highland Beach, FL to Madeira Beach, FL

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

Compare actual homes. Get current quotes in Madeira Beach, FL for the same bedroom count and included utilities as your home in Highland Beach, 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 Highland Beach to Madeira Beach moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Highland Beach, FL vs Madeira Beach, FL

How do the cost estimates for Highland Beach, FL and Madeira Beach, FL compare?

Madeira Beach, FL has a modeled overall cost index 8.1% lower than Highland Beach, 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 Highland Beach, FL, the model estimates $141,445 in Madeira 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 Highland Beach, FL and Madeira Beach, FL?

The modeled two-bedroom rents are $2,870/month in Highland Beach, FL and $2,510/month in Madeira 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.