Tamarac, FL vs St. Cloud, FL: Cost of Living

Which city costs less?

St. Cloud, FL has a modeled overall cost index 8.9% lower than Tamarac, FL.

Tamarac, FL · modeled 2BR rent: $2,480 / month
St. Cloud, FL · modeled 2BR rent: $2,120 / 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 Tamarac, FL and St. Cloud, 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 Tamarac, FL

Numbers update automatically as you type

Estimated savings: $765/month in St. Cloud, FL

$150,000 in your current city has a modeled equivalent of $140,814 in St. Cloud, FL

Regional cost estimates: Tamarac, FL uses Hialeah, FL. St. Cloud, FL uses Orlando, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 8.9%

Less expensive

Monthly Impact

$765

Savings

Annual Impact

$9.2K

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.

Tamarac, FL

Population:72K

Cost Index:

109.3

100 = national average

Typical Home:$296K

St. Cloud, FL

Population:66K

Cost Index:

99.6

100 = national average

Typical Home:$386K

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Tamarac, FL

The Sunshine State

72K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 72K residents.

💡 Advantage: Florida has no state income tax!

St. Cloud, FL

The Sunshine State

66K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 66K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Tamarac, FL vs St. Cloud, 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	Tamarac, FL	St. Cloud, FL	Difference	Change
Housing	$2,572/mo	$2,121/mo	↓ $451less	17.6%
Transportation	$1,286/mo	$1,120/mo	↓ $166less	12.9%
Other	$1,694/mo	$1,576/mo	↓ $117less	6.9%
Groceries	$961/mo	$904/mo	↓ $57.52less	6.0%
All Utilities	$462/mo	$509/mo	↑ $46.36more	10.0%
Healthcare	$524/mo	$505/mo	↓ $18.86less	3.6%

Housing

↓ 17.6%

Tamarac, FL

$2,572

St. Cloud, FL

$2,121

Difference

$451

less

Transportation

↓ 12.9%

Tamarac, FL

$1,286

St. Cloud, FL

$1,120

Difference

$166

less

Other

↓ 6.9%

Tamarac, FL

$1,694

St. Cloud, FL

$1,576

Difference

$117

less

Groceries

↓ 6.0%

Tamarac, FL

$961

St. Cloud, FL

$904

Difference

$57.52

less

All Utilities

↑ 10.0%

Tamarac, FL

$462

St. Cloud, FL

$509

Difference

$46.36

Healthcare

↓ 3.6%

Tamarac, FL

$524

St. Cloud, FL

$505

Difference

$18.86

less

🏠Rent Comparison

Studio

From$1,850

To$1,775

↓ $75.00

1 Bed

From$2,020

To$1,860

↓ $160

2 Bed

From$2,480

To$2,120

↓ $360

3 Bed

From$3,420

To$2,660

↓ $760

Tamarac, FLZIP-level data

1BR range: $1,900–$2,230/mo

St. Cloud, FLZIP-level data

1BR range: $1,420–$2,420/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 Tamarac, FL

$6,735

Monthly in St. Cloud, FL

$765

Difference

Home Values

Tamarac

St. Cloud

$296K

Median Value

$386K

↓ -8.4%

YoY Change

↓ -4.5%

↑ +31.3%

5-Year Change

↑ +33.4%

$198K - $367K

Price Range

$312K - $435K

Homes in St. Cloud are 31% more expensive than Tamarac

Calculate payment - Tamarac Calculate payment - St. Cloud

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

Tamarac, 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

St. Cloud, 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

Tamarac, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

St. Cloud, 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

Tamarac

St. Cloud

48 Good

Air Quality

41 Good

59.8%

Good Air Days

75.6%

100 Very High

Climate Risk

98 High

🌊🌅🌀

Top Hazards

🌊🌀🌪

▲+2.3°F

2050 Outlook

▲+2.3°F

22 days

Heat Days >95°F

58 days

▲+2.3°F

2050 Outlook

▲+2.3°F

22 days

Heat Days >95°F

58 days

Before moving from Tamarac, FL to St. Cloud, FL

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

Compare actual homes. Get current quotes in St. Cloud, FL for the same bedroom count and included utilities as your home in Tamarac, 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 Tamarac to St. Cloud moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Tamarac, FL vs St. Cloud, FL

How do the cost estimates for Tamarac, FL and St. Cloud, FL compare?

St. Cloud, FL has a modeled overall cost index 8.9% lower than Tamarac, 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 Tamarac, FL, the model estimates $140,814 in St. Cloud, 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 Tamarac, FL and St. Cloud, FL?

The modeled two-bedroom rents are $2,480/month in Tamarac, FL and $2,120/month in St. Cloud, 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.