Cost of Living in Doctor Phillips, FL
Cost of Living in Doctor Phillips, FL has an overall index of 135, 35% above the U.S. baseline of 100. The typical home value is $531,992; typical monthly rent is $2,358; and median household income is $101,540.
Cost index: committed city housing/rent inputs and BEA 2024 metro-area price parities. Home value: Zillow ZHVI market signal as of 2026-02. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Home prices are the main source of pressure. This describes the local market, not your household.
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Frequently asked questions about Doctor Phillips
Living in Doctor Phillips
Is Doctor Phillips, FL an expensive place to live?+
Yes — Doctor Phillips is about 35% more expensive than the national average, with an overall Cost Index of 135. Housing is the biggest factor: the typical home here is valued around $531,992, and monthly rents average roughly $2,358. Day-to-day costs like groceries and utilities tend to run closer to the national norm.
How does Doctor Phillips fit a household housing budget?+
Start with housing. Typical monthly rent is $2,358, while local median household income is $101,540. That implies a rent-burden proxy of about 28% 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 Doctor Phillips, FL?+
This model applies no broad Florida wage-income tax. Applying the 0.86% state-level effective owner-occupied proxy to a home worth $531,992 gives a planning estimate near $4,575 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 Doctor Phillips, FL?+
The typical monthly rent in Doctor Phillips is around $2,358. That's about 75% higher than the $1,348 national median. For comparison, the median home value here is $531,992, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Doctor Phillips, FL?+
The typical home value in Doctor Phillips is $531,992. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $2,582/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 67% of residents here own their homes.
Are groceries and utilities expensive in Doctor Phillips?+
Grocery prices in Doctor Phillips 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: 87). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Doctor Phillips, FL like to live in?+
Doctor Phillips is a small town with a population of about 12,458. The median age of residents is 44.9, skewing somewhat older — common in established suburban communities. The local poverty rate is 11.08%, near the national average of 12.4%.