Holly Hill, FL vs Garden City, GA: Cost of Living

Which city costs less?

Garden City, GA has a modeled overall cost index 14.2% lower than Holly Hill, FL.

Holly Hill, FL · modeled 2BR rent: $1,730 / month
Garden City, GA · modeled 2BR rent: $1,430 / 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 Holly Hill, FL and Garden City, GA 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 Holly Hill, FL

Numbers update automatically as you type

Estimated savings: $951/month in Garden City, GA

$150,000 in your current city has a modeled equivalent of $138,585 in Garden City, GA

Regional cost estimates: Holly Hill, FL uses Orlando, FL. Garden City, GA uses Jacksonville, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 14.2%

Less expensive

Monthly Impact

$951

Savings

Annual Impact

$11.4K

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.

Holly Hill, FL

Population:13K

Cost Index:

94.1

100 = national average

Typical Home:$205K

Garden City, GA

Population:10K

Cost Index:

80.8

100 = national average

Typical Home:$253K

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Holly Hill, FL

The Sunshine State

13K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 13K residents.

💡 Advantage: Florida has no state income tax!

Garden City, GA

The Peach State

10K

Population

State Tax

Yes

Located in Georgia, this city has a population of 10K residents.

Cost Breakdown by Category

Estimated monthly spending: Holly Hill, FL vs Garden City, GA

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	Holly Hill, FL	Garden City, GA	Difference	Change
Housing	$2,343/mo	$1,801/mo	↓ $542less	23.1%
Other	$1,741/mo	$1,471/mo	↓ $270less	15.5%
Transportation	$1,237/mo	$1,163/mo	↓ $73.48less	5.9%
Groceries	$1,027/mo	$996/mo	↓ $30.98less	3.0%
All Utilities	$578/mo	$561/mo	↓ $17.44less	3.0%
Healthcare	$574/mo	$557/mo	↓ $17.33less	3.0%

Housing

↓ 23.1%

Holly Hill, FL

$2,343

Garden City, GA

$1,801

Difference

$542

less

Other

↓ 15.5%

Holly Hill, FL

$1,741

Garden City, GA

$1,471

Difference

$270

less

Transportation

↓ 5.9%

Holly Hill, FL

$1,237

Garden City, GA

$1,163

Difference

$73.48

less

Groceries

↓ 3.0%

Holly Hill, FL

$1,027

Garden City, GA

$996

Difference

$30.98

less

All Utilities

↓ 3.0%

Holly Hill, FL

$578

Garden City, GA

$561

Difference

$17.44

less

Healthcare

↓ 3.0%

Holly Hill, FL

$574

Garden City, GA

$557

Difference

$17.33

less

🏠Rent Comparison

Studio

From$1,230

To$1,200

↓ $30.00

1 Bed

From$1,410

To$1,290

↓ $120

2 Bed

From$1,730

To$1,430

↓ $300

3 Bed

From$2,280

To$1,920

↓ $360

Holly Hill, FLZIP-level data

1BR range: $1,410–$1,410/mo

Garden City, GAZIP-level data

1BR range: $1,290–$1,290/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 Holly Hill, FL

$6,549

Monthly in Garden City, GA

$951

Difference

Home Values

Holly Hill

Garden City

$205K

Median Value

$253K

↓ -8.8%

YoY Change

↓ -1.3%

↑ +25%

5-Year Change

↑ +60.2%

Homes in Garden City are 23% more expensive than Holly Hill

Calculate payment - Holly Hill Calculate payment - Garden City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $8.5K

More taxes

Monthly Difference

$704

Less take-home

Effective Rate Diff

5.6%

Rate difference

Holly Hill, 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

Garden City, GA

Federal Income Tax

Effective: 18.9%

$25.5K

Georgia State Tax

Effective: 5.6%

$8.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.5K

Take-Home Pay

$8,711/month

$104.5K

Additional Tax Information

Holly Hill, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Garden City, GA Tax Rates

Sales Tax:7.3%

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

Holly Hill

Garden City

41 Good

Air Quality

50 Good

75.6%

Good Air Days

51.9%

98 High

Climate Risk

97 High

🌊🌀🌪

Top Hazards

🌊🌅🌀

▲+2.3°F

2050 Outlook

▲+2.3°F

58 days

Heat Days >95°F

36 days

▲+2.3°F

2050 Outlook

▲+2.3°F

58 days

Heat Days >95°F

36 days

Before moving from Holly Hill, FL to Garden City, GA

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

Compare actual homes. Get current quotes in Garden City, GA for the same bedroom count and included utilities as your home in Holly Hill, 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 Holly Hill to Garden City moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Garden City, GA by cost, housing, population and region.

Frequently Asked Questions: Holly Hill, FL vs Garden City, GA

How do the cost estimates for Holly Hill, FL and Garden City, GA compare?

Garden City, GA has a modeled overall cost index 14.2% lower than Holly Hill, 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 Holly Hill, FL, the model estimates $138,585 in Garden City, GA. 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 Holly Hill, FL and Garden City, GA?

The modeled two-bedroom rents are $1,730/month in Holly Hill, FL and $1,430/month in Garden City, GA. 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 Georgia on TaxTakeHome.com