Keystone Heights, FL vs Zolfo Springs, FL: Cost of Living

Which city costs less?

Zolfo Springs, FL has a modeled overall cost index 9.7% higher than Keystone Heights, FL.

Keystone Heights, FL · modeled 2BR rent
$1,230 / month
Zolfo Springs, FL · modeled 2BR rent
$1,230 / 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 Keystone Heights, FL and Zolfo Springs, 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: $660/month in Zolfo Springs, FL

$150,000 in your current city has a modeled equivalent of $157,921 in Zolfo Springs, FL

Regional cost estimates: Keystone Heights, FL uses Jacksonville, FL. Zolfo Springs, FL uses Tampa, FL. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 9.7%
More expensive
Monthly Impact
$660
Extra cost
Annual Impact
$7.9K
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.

Keystone Heights, FL

Population:2K
Cost Index:
81.6
100 = national average
Typical Home:$273K

Zolfo Springs, FL

Population:2K
Cost Index:
89.5
100 = national average
Typical Home:$270K

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Keystone Heights, FL

The Sunshine State

2K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 2K residents.

💡 Advantage: Florida has no state income tax!

Zolfo Springs, FL

The Sunshine State

2K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 2K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Keystone Heights, FL vs Zolfo Springs, 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
↑ 22.5%
Keystone Heights, FL
$2,066
Zolfo Springs, FL
$2,530
Difference
$464
more
Other
↑ 11.5%
Keystone Heights, FL
$1,688
Zolfo Springs, FL
$1,881
Difference
$193
more
Transportation
↑ 0.1%
Keystone Heights, FL
$1,334
Zolfo Springs, FL
$1,336
Difference
$1.32
more
Groceries
↑ 0.0%
Keystone Heights, FL
$1,137
Zolfo Springs, FL
$1,137
Difference
$0.56
more
All Utilities
↑ 0.0%
Keystone Heights, FL
$640
Zolfo Springs, FL
$640
Difference
$0.32
more
Healthcare
↑ 0.0%
Keystone Heights, FL
$636
Zolfo Springs, FL
$636
Difference
$0.31
more

🏠Rent Comparison

Studio
From$1,010
To$1,040
↑ $30.00
1 Bed
From$1,030
To$1,050
↑ $20.00
2 Bed
From$1,230
To$1,230
→ $0
3 Bed
From$1,520
To$1,670
↑ $150
Keystone Heights, FLZIP-level data

1BR range: $1,030–$1,030/mo

Zolfo Springs, FLZIP-level data

1BR range: $1,050–$1,050/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 Keystone Heights, FL
$8,160
Monthly in Zolfo Springs, FL
$660
Difference

Home Values

Keystone Heights
Zolfo Springs
$273K
Median Value
$270K
↑ +1.7%
YoY Change
↑ +2.5%
↑ +45.2%
5-Year Change
↑ +59.5%

Homes in Zolfo Springs are 1% less expensive than Keystone Heights

Calculate payment - Keystone HeightsCalculate payment - Zolfo Springs

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

Keystone Heights, 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

Zolfo Springs, 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

Keystone Heights, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Zolfo Springs, 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

Keystone Heights
Zolfo Springs
50 Good
Air Quality
50 Good
51.9%
Good Air Days
52.5%
97 High
Climate Risk
99 High
🌊🌅🌀
Top Hazards
🌊🌅🌀
▲+2.3°F
2050 Outlook
▲+2.2°F
36 days
Heat Days >95°F
38 days
▲+2.3°F
2050 Outlook
▲+2.2°F
36 days
Heat Days >95°F
38 days

Before moving from Keystone Heights, FL to Zolfo Springs, 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 Zolfo Springs, FL for the same bedroom count and included utilities as your home in Keystone Heights, 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 Keystone Heights to Zolfo Springs moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Keystone Heights, FL vs Zolfo Springs, FL

How do the cost estimates for Keystone Heights, FL and Zolfo Springs, FL compare?

Zolfo Springs, FL has a modeled overall cost index 9.7% higher than Keystone Heights, 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 Keystone Heights, FL, the model estimates $157,921 in Zolfo Springs, 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 Keystone Heights, FL and Zolfo Springs, FL?

The modeled two-bedroom rents are $1,230/month in Keystone Heights, FL and $1,230/month in Zolfo Springs, 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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