Neptune Beach, FL vs Gulf Breeze, FL: Cost of Living

Which city costs less?

Gulf Breeze, FL has a modeled overall cost index 2.8% lower than Neptune Beach, FL.

Neptune Beach, FL · modeled 2BR rent
$1,810 / month
Gulf Breeze, FL · modeled 2BR rent
$1,970 / 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 Neptune Beach, FL and Gulf Breeze, 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 savings: $274/month in Gulf Breeze, FL

$150,000 in your current city has a modeled equivalent of $146,716 in Gulf Breeze, FL

Regional cost estimates: Neptune Beach, FL uses Jacksonville, FL. Gulf Breeze, FL uses Montgomery, AL. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 2.8%
Less expensive
Monthly Impact
$274
Savings
Annual Impact
$3.3K
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.

Neptune Beach, FL

Population:7K
Cost Index:
84.0
100 = national average
Typical Home:$740K

Gulf Breeze, FL

Population:7K
Cost Index:
81.6
100 = national average
Typical Home:$659K

Planning the move to Gulf Breeze?

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

Neptune Beach, FL

The Sunshine State

7K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 7K residents.

💡 Advantage: Florida has no state income tax!

Gulf Breeze, FL

The Sunshine State

7K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 7K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Neptune Beach, FL vs Gulf Breeze, 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
↓ 10.2%
Neptune Beach, FL
$2,075
Gulf Breeze, FL
$1,863
Difference
$213
less
Healthcare
↓ 6.5%
Neptune Beach, FL
$630
Gulf Breeze, FL
$589
Difference
$40.81
less
Groceries
↓ 2.4%
Neptune Beach, FL
$1,126
Gulf Breeze, FL
$1,098
Difference
$27.46
less
All Utilities
↓ 2.3%
Neptune Beach, FL
$634
Gulf Breeze, FL
$619
Difference
$14.35
less
Other
↑ 0.8%
Neptune Beach, FL
$1,695
Gulf Breeze, FL
$1,709
Difference
$13.64
more
Transportation
↑ 0.6%
Neptune Beach, FL
$1,340
Gulf Breeze, FL
$1,348
Difference
$7.94
more

🏠Rent Comparison

Studio
From$1,480
To$1,500
↑ $20.00
1 Bed
From$1,510
To$1,670
↑ $160
2 Bed
From$1,810
To$1,970
↑ $160
3 Bed
From$2,230
To$2,630
↑ $400
Neptune Beach, FLZIP-level data

1BR range: $1,510–$1,510/mo

Gulf Breeze, FLZIP-level data

1BR range: $1,670–$1,670/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 Neptune Beach, FL
$7,226
Monthly in Gulf Breeze, FL
$274
Difference

Home Values

Neptune Beach
Gulf Breeze
$740K
Median Value
$659K
↑ +1.1%
YoY Change
↓ -2.6%
↑ +47.2%
5-Year Change
↑ +37.2%

Homes in Gulf Breeze are 11% less expensive than Neptune Beach

Calculate payment - Neptune BeachCalculate payment - Gulf Breeze

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

Neptune Beach, 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

Gulf Breeze, 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

Neptune Beach, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Gulf Breeze, 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

Neptune Beach
Gulf Breeze
50 Good
Air Quality
42 Good
51.9%
Good Air Days
69%
97 High
Climate Risk
92 Moderate
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.3°F
2050 Outlook
▲+2.6°F
36 days
Heat Days >95°F
62 days
▲+2.3°F
2050 Outlook
▲+2.6°F
36 days
Heat Days >95°F
62 days

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

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

Frequently Asked Questions: Neptune Beach, FL vs Gulf Breeze, FL

How do the cost estimates for Neptune Beach, FL and Gulf Breeze, FL compare?

Gulf Breeze, FL has a modeled overall cost index 2.8% lower than Neptune 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 Neptune Beach, FL, the model estimates $146,716 in Gulf Breeze, 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 Neptune Beach, FL and Gulf Breeze, FL?

The modeled two-bedroom rents are $1,810/month in Neptune Beach, FL and $1,970/month in Gulf Breeze, 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.

Similar cost to Gulf Breeze, FL

Other cities in a similar price range

San Antonio, TXIndianapolis, INColumbus, OH

Want to compare different cities?

New Comparison