New Smyrna Beach, FL vs Riviera Beach, FL: Cost of Living

Which city costs less?

Riviera Beach, FL has a modeled overall cost index 6.4% higher than New Smyrna Beach, FL.

New Smyrna Beach, FL · modeled 2BR rent: $2,080 / month
Riviera Beach, FL · modeled 2BR rent: $1,810 / 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 New Smyrna Beach, FL and Riviera 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 New Smyrna Beach, FL

Numbers update automatically as you type

Estimated extra cost: $629/month in Riviera Beach, FL

$150,000 in your current city has a modeled equivalent of $157,550 in Riviera Beach, FL

Regional cost estimates: New Smyrna Beach, FL uses Orlando, FL. Riviera Beach, FL uses Hialeah, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 6.4%

More expensive

Monthly Impact

$629

Extra cost

Annual Impact

$7.6K

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.

New Smyrna Beach, FL

Population:33K

Cost Index:

97.2

100 = national average

Typical Home:$455K

Riviera Beach, FL

Population:39K

Cost Index:

103.4

100 = national average

Typical Home:$413K

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New Smyrna Beach, FL

The Sunshine State

33K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 33K residents.

💡 Advantage: Florida has no state income tax!

Riviera Beach, FL

The Sunshine State

39K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 39K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: New Smyrna Beach, FL vs Riviera 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	New Smyrna Beach, FL	Riviera Beach, FL	Difference	Change
Housing	$2,354/mo	$2,768/mo	↑ $414more	17.6%
Transportation	$1,242/mo	$1,384/mo	↑ $141more	11.4%
Other	$1,749/mo	$1,823/mo	↑ $73.27more	4.2%
All Utilities	$571/mo	$511/mo	↓ $60.03less	10.5%
Groceries	$1,015/mo	$1,063/mo	↑ $48.08more	4.7%
Healthcare	$568/mo	$580/mo	↑ $12.17more	2.1%

Housing

↑ 17.6%

New Smyrna Beach, FL

$2,354

Riviera Beach, FL

$2,768

Difference

$414

Transportation

↑ 11.4%

New Smyrna Beach, FL

$1,242

Riviera Beach, FL

$1,384

Difference

$141

Other

↑ 4.2%

New Smyrna Beach, FL

$1,749

Riviera Beach, FL

$1,823

Difference

$73.27

All Utilities

↓ 10.5%

New Smyrna Beach, FL

$571

Riviera Beach, FL

$511

Difference

$60.03

less

Groceries

↑ 4.7%

New Smyrna Beach, FL

$1,015

Riviera Beach, FL

$1,063

Difference

$48.08

Healthcare

↑ 2.1%

New Smyrna Beach, FL

$568

Riviera Beach, FL

$580

Difference

$12.17

🏠Rent Comparison

Studio

From$1,470

To$1,440

↓ $30.00

1 Bed

From$1,695

To$1,530

↓ $165

2 Bed

From$2,080

To$1,810

↓ $270

3 Bed

From$2,740

To$2,350

↓ $390

New Smyrna Beach, FLZIP-level data

1BR range: $1,610–$1,780/mo

Riviera Beach, FLZIP-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 New Smyrna Beach, FL

$8,129

Monthly in Riviera Beach, FL

$629

Difference

Home Values

New Smyrna Beach

Riviera Beach

$455K

Median Value

$413K

↓ -2.6%

YoY Change

↓ -6.3%

↑ +37.5%

5-Year Change

↑ +36.6%

$373K - $536K

Price Range

$413K

Homes in Riviera Beach are 9% less expensive than New Smyrna Beach

Calculate payment - New Smyrna Beach Calculate payment - Riviera 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

New Smyrna 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

Riviera 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

New Smyrna Beach, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Riviera 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

New Smyrna Beach

Riviera Beach

41 Good

Air Quality

48 Good

75.6%

Good Air Days

59.8%

98 High

Climate Risk

100 Very High

🌊🌀🌪

Top Hazards

🌊🌅🌀

▲+2.3°F

2050 Outlook

▲+2.3°F

58 days

Heat Days >95°F

22 days

▲+2.3°F

2050 Outlook

▲+2.3°F

58 days

Heat Days >95°F

22 days

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

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

Frequently Asked Questions: New Smyrna Beach, FL vs Riviera Beach, FL

How do the cost estimates for New Smyrna Beach, FL and Riviera Beach, FL compare?

Riviera Beach, FL has a modeled overall cost index 6.4% higher than New Smyrna 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 New Smyrna Beach, FL, the model estimates $157,550 in Riviera 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 New Smyrna Beach, FL and Riviera Beach, FL?

The modeled two-bedroom rents are $2,080/month in New Smyrna Beach, FL and $1,810/month in Riviera 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.