Zolfo Springs, FL vs Keystone Heights, FL: Cost of Living

Which city costs less?

Keystone Heights, FL has a modeled overall cost index 8.8% lower than Zolfo Springs, FL.

Zolfo Springs, FL · modeled 2BR rent
$1,230 / month
Keystone Heights, FL · modeled 2BR rent
$1,230 / 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 Zolfo Springs, FL and Keystone Heights, 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: $607/month in Keystone Heights, FL

$150,000 in your current city has a modeled equivalent of $142,720 in Keystone Heights, FL

Regional cost estimates: Zolfo Springs, FL uses Tampa, FL. Keystone Heights, FL uses Jacksonville, FL. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 8.8%
Less expensive
Monthly Impact
$607
Savings
Annual Impact
$7.3K
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.

Zolfo Springs, FL

Population:2K
Cost Index:
89.5
100 = national average
Typical Home:$270K

Keystone Heights, FL

Population:2K
Cost Index:
81.6
100 = national average
Typical Home:$273K

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Zolfo Springs, FL

The Sunshine State

2K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 2K residents.

💡 Advantage: Florida has no state income tax!

Keystone Heights, FL

The Sunshine State

2K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 2K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Zolfo Springs, FL vs Keystone Heights, 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
↓ 18.4%
Zolfo Springs, FL
$2,326
Keystone Heights, FL
$1,899
Difference
$427
less
Other
↓ 10.3%
Zolfo Springs, FL
$1,729
Keystone Heights, FL
$1,551
Difference
$178
less
Transportation
↓ 0.1%
Zolfo Springs, FL
$1,228
Keystone Heights, FL
$1,226
Difference
$1.21
less
Groceries
↓ 0.0%
Zolfo Springs, FL
$1,045
Keystone Heights, FL
$1,045
Difference
$0.52
less
All Utilities
↓ 0.0%
Zolfo Springs, FL
$588
Keystone Heights, FL
$588
Difference
$0.29
less
Healthcare
↓ 0.0%
Zolfo Springs, FL
$585
Keystone Heights, FL
$584
Difference
$0.29
less

🏠Rent Comparison

Studio
From$1,040
To$1,010
↓ $30.00
1 Bed
From$1,050
To$1,030
↓ $20.00
2 Bed
From$1,230
To$1,230
→ $0
3 Bed
From$1,670
To$1,520
↓ $150
Zolfo Springs, FLZIP-level data

1BR range: $1,050–$1,050/mo

Keystone Heights, FLZIP-level data

1BR range: $1,030–$1,030/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 Zolfo Springs, FL
$6,893
Monthly in Keystone Heights, FL
$607
Difference

Home Values

Zolfo Springs
Keystone Heights
$270K
Median Value
$273K
↑ +2.5%
YoY Change
↑ +1.7%
↑ +59.5%
5-Year Change
↑ +45.2%

Homes in Keystone Heights are 1% more expensive than Zolfo Springs

Calculate payment - Zolfo SpringsCalculate payment - Keystone Heights

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

Zolfo Springs, 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

Keystone Heights, 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

Zolfo Springs, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Keystone Heights, 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

Zolfo Springs
Keystone Heights
50 Good
Air Quality
50 Good
52.5%
Good Air Days
51.9%
99 High
Climate Risk
97 High
🌊🌅🌀
Top Hazards
🌊🌅🌀
▲+2.2°F
2050 Outlook
▲+2.3°F
38 days
Heat Days >95°F
36 days
▲+2.2°F
2050 Outlook
▲+2.3°F
38 days
Heat Days >95°F
36 days

Before moving from Zolfo Springs, FL to Keystone Heights, 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 Keystone Heights, FL for the same bedroom count and included utilities as your home in Zolfo Springs, 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 Zolfo Springs to Keystone Heights moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Zolfo Springs, FL vs Keystone Heights, FL

How do the cost estimates for Zolfo Springs, FL and Keystone Heights, FL compare?

Keystone Heights, FL has a modeled overall cost index 8.8% lower than Zolfo Springs, 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 Zolfo Springs, FL, the model estimates $142,720 in Keystone Heights, 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 Zolfo Springs, FL and Keystone Heights, FL?

The modeled two-bedroom rents are $1,230/month in Zolfo Springs, FL and $1,230/month in Keystone Heights, 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.

Where your money goes further

Cities cheaper than Zolfo Springs, FL on a $150.0K salary

1.St. Louis, MO
Save $126/mo
2.Indianapolis, IN
Save $96.21/mo

Similar cost to Keystone Heights, FL

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