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City Housing Verdict

Pinecrest, FL

High Pressure

Pinecrest, FL is one of the most expensive places to live in the United States — roughly 3.2x the national average (Cost Index: 321). The housing market drives nearly all of that premium: the typical home here is valued at $2,145,407, far above the $303,400 US median. Local household income is $192,477, which should be read as place context rather than a personal salary target.

Pinecrest already reads as a high-pressure housing market, with 12% rent burden, 11.1x home-price-to-income, and a housing index of 707. 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 Pinecrest.

Monthly Housing
$1,916/mo
Lower of rent or buy scenario
Housing Burden
12%
Healthy
Residual Cash
$13,624/mo
After housing and debt · $4,541/person
Rent vs Buy
Rent first
Main pressure: everyday costs
Assumptions
Housing Mode
Confidence: MediumHome source: ZILLOWRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 15%
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Cost Index
321
Very Expensive
Based on housing costs · See methodology
Median Home Value
$2,145,407
Zillow ZHVI Market Rate • Census ACS: $1,179,400
National: $303,400
Median Rent
$1,916/mo
Source: Census ACS
National: $1,348/mo
Household Income
$192,477
National: $78,538
Population
18,138
Purchasing Power
76
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
707 / 100
~7.1x more expensive
Rent Index
142 / 100
42% above average
Goods & Groceries
104 / 100
About the same as most US cities
Utilities
97 / 100
Typical utility costs
Healthcare & Services
109 / 100
9% above average
Overall Index
321
Very Expensive · ~3.2x the US average

Pinecrest Mortgage Calculator

Pre-filled with the local median home value of $2,145,407 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
$192,477
Census ACS place context
Rent Burden Estimate
12%
Typical annual rent / local household income
Home Price to Income
11.1x
Typical home value / local household income
Use this section to judge whether Pinecrest 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 Pinecrest, FL

Est. Annual Property Tax
$18,451
Monthly Impact
$1,538
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 Pinecrest 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.

Pinecrest, FL
321
142
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Pinecrest, FL: 707
Rent Prices
142

FAQ: Living in Pinecrest

Is Pinecrest, FL an expensive place to live?+

Yes — Pinecrest is about 221% more expensive than the national average, with an overall Cost Index of 321. Housing is the biggest factor: the typical home here is valued around $2,145,407, and monthly rents average roughly $1,916. Day-to-day costs like groceries and utilities tend to run closer to the national norm.

How does Pinecrest fit a household housing budget?+

Start with housing. Typical monthly rent is $1,916, while local median household income is $192,477. That implies a rent-burden proxy of about 12% 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 Pinecrest, 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 $2,145,407, that translates to roughly $18,450 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases.

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

The typical monthly rent in Pinecrest is around $1,916. That's about 42% higher than the $1,348 national median. For comparison, the median home value here is $2,145,407, so buyers should also factor in mortgage payments, property taxes, and insurance.

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

The median home in Pinecrest is valued at $2,145,407. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $10,848/month for principal and interest alone — before property taxes and insurance. About 85% of residents here own their homes.

Are groceries and utilities expensive in Pinecrest?+

Grocery prices in Pinecrest are about average compared to the rest of the US (index: 104, where 100 is the national average). Utility bills (electricity, gas, water) are about typical (index: 97). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Pinecrest, FL like to live in?+

Pinecrest is a small town with a population of about 18,138. The median age of residents is 41.9, which is close to the national median. The local poverty rate is 6.34%, well below the national average of 12.4%.

Lower-Pressure Alternatives in Florida

If Pinecrest feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Florida

Use these city pages when you want to compare Pinecrest 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