Cost of Living in Crystal Lake, FL
Cost of Living in Crystal Lake, FL has an overall index of 81, 19% below the U.S. baseline of 100. The typical home value is $174,900; typical monthly rent is $1,143; and median household income is $47,679.
Cost index: committed city housing/rent inputs and BEA 2024 state nonmetro price parities. Home value: Census ACS 2023 fallback place estimate. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Rent and home prices are comparatively balanced with local income. This describes the local market, not your household.
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Frequently asked questions about Crystal Lake
Living in Crystal Lake
Is Crystal Lake, FL an affordable place to live?+
Yes — everyday expenses in Crystal Lake run about 19% below the US average (Cost Index: 81). Housing is especially affordable: the median home is valued around $174,900, compared to the $303,400 national median. Monthly rent is $1,143, versus $1,348 nationally.
How does Crystal Lake fit a household housing budget?+
Start with housing. Typical monthly rent is $1,143, while local median household income is $47,679. That implies a rent-burden proxy of about 29% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Crystal Lake, FL?+
This model applies no broad Florida wage-income tax. Applying the 0.86% state-level effective owner-occupied proxy to a home worth $174,900 gives a planning estimate near $1,504 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 7.01%.
How much does it cost to rent in Crystal Lake, FL?+
The typical monthly rent in Crystal Lake is around $1,143. That's roughly 15% lower than the $1,348 national median. For comparison, the median home value here is $174,900, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Crystal Lake, FL?+
The typical home value in Crystal Lake is $174,900. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $849/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 47% of residents here own their homes.
Are groceries and utilities expensive in Crystal Lake?+
Grocery prices in Crystal Lake are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Crystal Lake, FL like to live in?+
Crystal Lake is a small town with a population of about 5,203. The median age of residents is 38.5, which is close to the national median. The local poverty rate is 25.41%, above the national average of 12.4%.