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City Housing Verdict

Treasure Island, FL

High Pressure

Living in Treasure Island, FL costs about 25% more than the national average (Cost Index: 125). Housing is the main driver — the typical home value of $524,189 is well above the $303,400 US median. The local median household income is $82,340, which helps frame the place-side housing burden.

Treasure Island already reads as a high-pressure housing market, with 22% rent burden, 6.4x home-price-to-income, and a housing index of 173. 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 Treasure Island.

Monthly Housing
$1,496/mo
Lower of rent or buy scenario
Housing Burden
22%
Healthy
Residual Cash
$4,866/mo
After housing and debt · $1,622/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: 29%
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Cost Index
125
Expensive
Based on housing costs · See methodology
Median Home Value
$524,189
Zillow ZHVI Market Rate • Census ACS: $573,500
National: $303,400
Median Rent
$1,496/mo
Source: Census ACS
National: $1,348/mo
Household Income
$82,340
National: $78,538
Population
6,568
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
173 / 100
73% above average
Rent Index
111 / 100
11% 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
125
Expensive · 25% above average

Treasure Island Mortgage Calculator

Pre-filled with the local median home value of $524,189 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
$82,340
Census ACS place context
Rent Burden Estimate
22%
Typical annual rent / local household income
Home Price to Income
6.4x
Typical home value / local household income
Use this section to judge whether Treasure Island 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 Treasure Island, FL

Est. Annual Property Tax
$4,508
Monthly Impact
$376
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 Treasure Island 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.

Treasure Island, FL
125
111
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Treasure Island, FL: 173
Rent Prices
111

FAQ: Living in Treasure Island

Is Treasure Island, FL an expensive place to live?+

Yes — Treasure Island is about 25% more expensive than the national average, with an overall Cost Index of 125. Housing is the biggest factor: the typical home here is valued around $524,189, and monthly rents average roughly $1,496. Day-to-day costs like groceries and utilities tend to run closer to the national norm.

How does Treasure Island fit a household housing budget?+

Start with housing. Typical monthly rent is $1,496, while local median household income is $82,340. That implies a rent-burden proxy of about 22% 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 Treasure Island, 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 $524,189, that translates to roughly $4,508 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases.

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

The typical monthly rent in Treasure Island is around $1,496. That's about 11% higher than the $1,348 national median. For comparison, the median home value here is $524,189, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Treasure Island, FL?+

The median home in Treasure Island is valued at $524,189. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $2,651/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 Treasure Island?+

Grocery prices in Treasure Island 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 Treasure Island, FL like to live in?+

Treasure Island is a small town with a population of about 6,568. The median age of residents is 62.3, skewing somewhat older — common in established suburban communities. The local poverty rate is 4.83%, well below the national average of 12.4%.

Lower-Pressure Alternatives in Florida

If Treasure Island 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 Treasure Island 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