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City Housing Verdict

Gulfport, FL

High Pressure

The cost of living in Gulfport, FL is 4% above the national average (Cost Index: 104). Homes here are typically valued around $347,178, compared to the $303,400 national median. The median household income is $68,617 — overall, living costs and earnings are reasonably balanced in this area.

Gulfport already reads as a high-pressure housing market, with 26% rent burden, 5.1x home-price-to-income, and a housing index of 114. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Stretch

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Gulfport.

Monthly Housing
$1,487/mo
Lower of rent or buy scenario
Housing Burden
26%
Healthy
Residual Cash
$3,731/mo
After housing and debt · $1,244/person
Rent vs Buy
Rent first
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ZILLOWRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 35%
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Cost Index
104
Average
Based on housing costs · See methodology
Median Home Value
$347,178
Zillow ZHVI Market Rate • Census ACS: $335,100
National: $303,400
Median Rent
$1,487/mo
Source: Census ACS
National: $1,348/mo
Household Income
$68,617
National: $78,538
Population
11,735
Purchasing Power
84
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
114 / 100
14% above average
Rent Index
110 / 100
10% above average
Goods & Groceries
95 / 100
About the same as most US cities
Utilities
89 / 100
11% lower utility bills
Healthcare & Services
98 / 100
In line with national average
Overall Index
104
Average

Gulfport Mortgage Calculator

Pre-filled with the local median home value of $347,178 and Florida's property tax rate of 0.86%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$68,617
Census ACS place context
Rent Burden Estimate
26%
Typical annual rent / local household income
Home Price to Income
5.1x
Typical home value / local household income
Use this section to judge whether Gulfport looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Gulfport, FL

Est. Annual Property Tax
$2,986
Monthly Impact
$249
Added to your mortgage
Effective Rate
0.86%
National avg: ~1.00%

Florida Place Tax Context

Tax TypeFloridaNational Avg
Property Tax Rate0.86%1.00%
Top Income Tax RateNo State Income Tax~5.0%
State Sales Tax7.01%~5.0%

Compare Gulfport to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Gulfport, FL
104
110
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Gulfport, FL: 114
Rent Prices
110

FAQ: Living in Gulfport

What is the cost of living like in Gulfport, FL?+

Living costs in Gulfport land close to the national average, with a Cost Index of 104 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $347,178, and typical monthly rents run around $1,487. Groceries and utilities are slightly below what you would find in most US cities.

How does Gulfport fit a household housing budget?+

Start with housing. Typical monthly rent is $1,487, while local median household income is $68,617. That implies a rent-burden proxy of about 26% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Gulfport, FL?+

Florida is one of the few states with no state income tax, which can save residents thousands of dollars per year. The effective property tax rate is 0.86%. On a home worth $347,178, that translates to roughly $2,986 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases.

How much does it cost to rent in Gulfport, FL?+

The typical monthly rent in Gulfport is around $1,487. That's close to the $1,348 national median. For comparison, the median home value here is $347,178, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Gulfport, FL?+

The median home in Gulfport is valued at $347,178. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,756/month for principal and interest alone — before property taxes and insurance. About 75% of residents here own their homes.

Are groceries and utilities expensive in Gulfport?+

Grocery prices in Gulfport are about average compared to the rest of the US (index: 95, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 89). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Gulfport, FL like to live in?+

Gulfport is a small town with a population of about 11,735. The median age of residents is 58.2, skewing somewhat older — common in established suburban communities. The local poverty rate is 14.1%, near the national average of 12.4%.

Higher-Pressure Comparisons in Florida

Use these city pages when you want to compare Gulfport against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly