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

Which city costs less?

Lady Lake, FL has a modeled overall cost index 3.0% lower than Villa Rica, GA.

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

Numbers update automatically as you type

Estimated savings: $181/month in Lady Lake, FL

$150,000 in your current city has a modeled equivalent of $147,829 in Lady Lake, FL

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

Overall Cost

↓ 3.0%

Less expensive

Monthly Impact

$181

Savings

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.

Villa Rica, GA

Population:19K

Cost Index:

98.2

100 = national average

Typical Home:$308K

Lady Lake, FL

Population:17K

Cost Index:

95.2

100 = national average

Typical Home:$316K

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Villa Rica, GA

The Peach State

19K

Population

State Tax

Yes

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

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!

Cost Breakdown by Category

Estimated monthly spending: Villa Rica, GA vs Lady Lake, 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	Villa Rica, GA	Lady Lake, FL	Difference	Change
Transportation	$1,366/mo	$1,209/mo	↓ $157less	11.5%
Other	$1,816/mo	$1,702/mo	↓ $114less	6.3%
Housing	$2,228/mo	$2,290/mo	↑ $61.88more	2.8%
Groceries	$940/mo	$998/mo	↑ $57.83more	6.2%
Healthcare	$577/mo	$558/mo	↓ $18.74less	3.2%
All Utilities	$573/mo	$562/mo	↓ $11.24less	2.0%

Transportation

↓ 11.5%

Villa Rica, GA

$1,366

Lady Lake, FL

$1,209

Difference

$157

less

Other

↓ 6.3%

Villa Rica, GA

$1,816

Lady Lake, FL

$1,702

Difference

$114

less

Housing

↑ 2.8%

Villa Rica, GA

$2,228

Lady Lake, FL

$2,290

Difference

$61.88

Groceries

↑ 6.2%

Villa Rica, GA

$940

Lady Lake, FL

$998

Difference

$57.83

Healthcare

↓ 3.2%

Villa Rica, GA

$577

Lady Lake, FL

$558

Difference

$18.74

less

All Utilities

↓ 2.0%

Villa Rica, GA

$573

Lady Lake, FL

$562

Difference

$11.24

less

🏠Rent Comparison

Studio

From$1,460

To$1,300

↓ $160

1 Bed

From$1,530

To$1,370

↓ $160

2 Bed

From$1,680

To$1,570

↓ $110

3 Bed

From$2,010

To$1,960

↓ $50.00

Villa Rica, GAZIP-level data

1BR range: $1,530–$1,530/mo

Lady Lake, FLZIP-level data

1BR range: $1,370–$1,370/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 Villa Rica, GA

$7,319

Monthly in Lady Lake, FL

$181

Difference

Home Values

Villa Rica

Lady Lake

$308K

Median Value

$316K

↓ -2.6%

YoY Change

↓ -3.9%

↑ +39.1%

5-Year Change

↑ +25.2%

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

Calculate payment - Villa Rica Calculate payment - Lady Lake

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $8.5K

Per year

Monthly Difference

$704

More take-home

Effective Rate Diff

5.6%

Rate difference

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

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

Additional Tax Information

Villa Rica, GA Tax Rates

Sales Tax:7.3%

Property Tax:0.9%

Lady Lake, 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

Villa Rica

Lady Lake

50 Good

Air Quality

41 Good

50.8%

Good Air Days

75.6%

96 High

Climate Risk

98 High

🌊🌪💨

Top Hazards

🌊🌀🌪

▲+2.7°F

2050 Outlook

▲+2.3°F

28 days

Heat Days >95°F

58 days

▲+2.7°F

2050 Outlook

▲+2.3°F

28 days

Heat Days >95°F

58 days

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

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

Compare actual homes. Get current quotes in Lady Lake, FL for the same bedroom count and included utilities as your home in Villa Rica, GA. 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 Villa Rica to Lady Lake moving checklist to organize the tasks and timing.

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

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

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

Lady Lake, FL has a modeled overall cost index 3.0% lower than Villa Rica, GA. 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 Villa Rica, GA, the model estimates $147,829 in Lady Lake, 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 Villa Rica, GA and Lady Lake, FL?

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

💰 See how taxes change too — compare take-home pay between Georgia and Florida on TaxTakeHome.com