Lady Lake, FL vs Villa Rica, GA: Cost of Living

Which city costs less?

Villa Rica, GA has a modeled overall cost index 3.1% higher than Lady Lake, FL.

Lady Lake, FL · modeled 2BR rent: $1,570 / month
Villa Rica, GA · modeled 2BR rent: $1,680 / 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 Lady Lake, FL and Villa Rica, 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 Lady Lake, FL

Numbers update automatically as you type

Estimated extra cost: $185/month in Villa Rica, GA

$150,000 in your current city has a modeled equivalent of $152,224 in Villa Rica, GA

Regional cost estimates: Lady Lake, FL uses Orlando, FL. Villa Rica, GA uses Atlanta, GA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 3.1%

More expensive

Monthly Impact

$185

Extra cost

Annual Impact

$2.2K

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

Villa Rica, GA

Population:19K

Cost Index:

98.2

100 = national average

Typical Home:$308K

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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!

Villa Rica, GA

The Peach State

19K

Population

State Tax

Yes

Located in Georgia, this city has a population of 19K residents.

Cost Breakdown by Category

Estimated monthly spending: Lady Lake, FL vs Villa Rica, 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	Lady Lake, FL	Villa Rica, GA	Difference	Change
Transportation	$1,239/mo	$1,400/mo	↑ $161more	13.0%
Other	$1,744/mo	$1,861/mo	↑ $117more	6.7%
Housing	$2,347/mo	$2,283/mo	↓ $63.41less	2.7%
Groceries	$1,023/mo	$964/mo	↓ $59.26less	5.8%
Healthcare	$572/mo	$591/mo	↑ $19.21more	3.4%
All Utilities	$576/mo	$587/mo	↑ $11.52more	2.0%

Transportation

↑ 13.0%

Lady Lake, FL

$1,239

Villa Rica, GA

$1,400

Difference

$161

Other

↑ 6.7%

Lady Lake, FL

$1,744

Villa Rica, GA

$1,861

Difference

$117

Housing

↓ 2.7%

Lady Lake, FL

$2,347

Villa Rica, GA

$2,283

Difference

$63.41

less

Groceries

↓ 5.8%

Lady Lake, FL

$1,023

Villa Rica, GA

$964

Difference

$59.26

less

Healthcare

↑ 3.4%

Lady Lake, FL

$572

Villa Rica, GA

$591

Difference

$19.21

All Utilities

↑ 2.0%

Lady Lake, FL

$576

Villa Rica, GA

$587

Difference

$11.52

🏠Rent Comparison

Studio

From$1,300

To$1,460

↑ $160

1 Bed

From$1,370

To$1,530

↑ $160

2 Bed

From$1,570

To$1,680

↑ $110

3 Bed

From$1,960

To$2,010

↑ $50.00

Lady Lake, FLZIP-level data

1BR range: $1,370–$1,370/mo

Villa Rica, GAZIP-level data

1BR range: $1,530–$1,530/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

$7,685

Monthly in Villa Rica, GA

$185

Difference

Home Values

Lady Lake

Villa Rica

$316K

Median Value

$308K

↓ -3.9%

YoY Change

↓ -2.6%

↑ +25.2%

5-Year Change

↑ +39.1%

Homes in Villa Rica are 3% less expensive than Lady Lake

Calculate payment - Lady Lake Calculate payment - Villa Rica

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

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

Villa Rica, 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

Lady Lake, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Villa Rica, 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

Lady Lake

Villa Rica

41 Good

Air Quality

50 Good

75.6%

Good Air Days

50.8%

98 High

Climate Risk

96 High

🌊🌀🌪

Top Hazards

🌊🌪💨

▲+2.3°F

2050 Outlook

▲+2.7°F

58 days

Heat Days >95°F

28 days

▲+2.3°F

2050 Outlook

▲+2.7°F

58 days

Heat Days >95°F

28 days

Before moving from Lady Lake, FL to Villa Rica, GA

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

Compare actual homes. Get current quotes in Villa Rica, GA 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 Villa Rica moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Lady Lake, FL vs Villa Rica, GA

How do the cost estimates for Lady Lake, FL and Villa Rica, GA compare?

Villa Rica, GA has a modeled overall cost index 3.1% higher 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 $152,224 in Villa Rica, 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 Lady Lake, FL and Villa Rica, GA?

The modeled two-bedroom rents are $1,570/month in Lady Lake, FL and $1,680/month in Villa Rica, 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