Lady Lake, FL vs Vero Beach, FL: Cost of Living

Which city costs less?

Vero Beach, FL has a modeled overall cost index 2.1% lower than Lady Lake, FL.

Lady Lake, FL · modeled 2BR rent: $1,570 / month
Vero Beach, FL · modeled 2BR rent: $1,650 / 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

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Lady Lake, FL and Vero 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 Lady Lake, FL

Numbers update automatically as you type

Estimated savings: $132/month in Vero Beach, FL

$150,000 in your current city has a modeled equivalent of $148,419 in Vero Beach, FL

Regional cost estimates: Lady Lake, FL uses Orlando, FL. Vero Beach, FL uses Orlando, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 2.1%

Less expensive

Monthly Impact

$132

Savings

Annual Impact

$1.6K

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.

Lady Lake, FL

Population:17K

Cost Index:

95.2

100 = national average

Typical Home:$316K

Vero Beach, FL

Population:17K

Cost Index:

93.3

100 = national average

Typical Home:$329K

Planning the move to Vero Beach?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Lady Lake, FL

The Sunshine State

17K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 17K residents.

💡 Advantage: Florida has no state income tax!

Vero Beach, FL

The Sunshine State

17K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 17K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Lady Lake, FL vs Vero 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	Lady Lake, FL	Vero Beach, FL	Difference	Change
Housing	$2,347/mo	$2,298/mo	↓ $48.15less	2.1%
Other	$1,744/mo	$1,708/mo	↓ $35.79less	2.1%
Transportation	$1,239/mo	$1,213/mo	↓ $25.42less	2.1%
Groceries	$1,023/mo	$1,012/mo	↓ $10.55less	1.0%
All Utilities	$576/mo	$570/mo	↓ $5.94less	1.0%
Healthcare	$572/mo	$566/mo	↓ $5.90less	1.0%

Housing

↓ 2.1%

Lady Lake, FL

$2,347

Vero Beach, FL

$2,298

Difference

$48.15

less

Other

↓ 2.1%

Lady Lake, FL

$1,744

Vero Beach, FL

$1,708

Difference

$35.79

less

Transportation

↓ 2.1%

Lady Lake, FL

$1,239

Vero Beach, FL

$1,213

Difference

$25.42

less

Groceries

↓ 1.0%

Lady Lake, FL

$1,023

Vero Beach, FL

$1,012

Difference

$10.55

less

All Utilities

↓ 1.0%

Lady Lake, FL

$576

Vero Beach, FL

$570

Difference

$5.94

less

Healthcare

↓ 1.0%

Lady Lake, FL

$572

Vero Beach, FL

$566

Difference

$5.90

less

🏠Rent Comparison

Studio

From$1,300

To$1,250

↓ $50.00

1 Bed

From$1,370

To$1,260

↓ $110

2 Bed

From$1,570

To$1,650

↑ $80.00

3 Bed

From$1,960

To$2,010

↑ $50.00

Lady Lake, FLZIP-level data

1BR range: $1,370–$1,370/mo

Vero Beach, FLZIP-level data

1BR range: $1,140–$1,760/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 Lady Lake, FL

$7,368

Monthly in Vero Beach, FL

$132

Difference

Home Values

Lady Lake

Vero Beach

$316K

Median Value

$329K

↓ -3.9%

YoY Change

↓ -6.1%

↑ +25.2%

5-Year Change

↑ +36.8%

$316K

Price Range

$253K - $417K

Homes in Vero Beach are 4% more expensive than Lady Lake

Calculate payment - Lady Lake Calculate payment - Vero 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

Lady Lake, 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

Vero 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

Lady Lake, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Vero 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

Lady Lake

Vero Beach

41 Good

Air Quality

41 Good

75.6%

Good Air Days

75.6%

98 High

Climate Risk

98 High

🌊🌀🌪

Top Hazards

🌊🌀🌪

▲+2.3°F

2050 Outlook

▲+2.3°F

58 days

Heat Days >95°F

58 days

▲+2.3°F

2050 Outlook

▲+2.3°F

58 days

Heat Days >95°F

58 days

Before moving from Lady Lake, FL to Vero 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 Vero Beach, FL for the same bedroom count and included utilities as your home in Lady Lake, 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 Lady Lake to Vero Beach moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Lady Lake, FL vs Vero Beach, FL

How do the cost estimates for Lady Lake, FL and Vero Beach, FL compare?

Vero Beach, FL has a modeled overall cost index 2.1% lower than Lady Lake, 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 Lady Lake, FL, the model estimates $148,419 in Vero 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 Lady Lake, FL and Vero Beach, FL?

The modeled two-bedroom rents are $1,570/month in Lady Lake, FL and $1,650/month in Vero 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.