This Is the Average Utility Bill in 20 Florida Cities
Keeping the lights on and the wolf from the door can be more expensive today than ever before. However, tracking your monthly expenses can make a big difference when building your budget, especially in Florida, where utility costs can vary significantly from city to city.
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Breaking down the average utility bill in 20 Florida cities and showing how utility rates fluctuate based on location can, if nothing else, help you plan ahead while staying on track with your financial goals. Whether you're comparing Florida utility bills across metro areas, preparing for monthly household expenses or simply curious how your city stacks up, these insights can help you manage your budget and avoid unexpected costs as utility rates continue to evolve in this economy.
Here are the average utility costs in 20 Florida cities, leading with the most expensive.
1. Tallahassee
Utilities cost of living index: 107.2
Average annual utilities cost: $4,958
Median household income: $56,511
2. Gainesville
Utilities cost of living index: 105.4
Average annual utilities cost: $4,875
Median household income: $46,165
3. Largo
Utilities cost of living index: 105.2
Average annual utilities cost: $4,866
Median household income: $58,486
4. Poinciana
Utilities cost of living index: 105.2
Average annual utilities cost: $4,866
Median household income: $73,556
5. Clear Water
Utilities cost of living index: 104.9
Average annual utilities cost: $4,852
Median household income: $66,357
6. Saint Cloud
Utilities cost of living index: 104.8
Average annual utilities cost: $4,847
Median household income: $95,990
7. Spring Hill
Utilities cost of living index: 104.7
Average annual utilities cost: $4,842
Median household income: $71,269
8. St. Petersburg
Utilities cost of living index: 104.3
Average annual utilities cost: $4,824
Median household income: $73,048
9. Kissimmee
Utilities cost of living index: 104.2
Average annual utilities cost: $4,819
Median household income: $65,503
10. Ocala
Utilities cost of living index: 104.2
Average annual utilities cost: $4,819
Median household income: $61,814
11. Lehigh Acres
Utilities cost of living index: 103.3
Average annual utilities cost: $4,778
Median household income: $70,800
12. Wesley Chapel
Utilities cost of living index: 103.2
Average annual utilities cost: $4,773
Median household income: $101,757
13. Jacksonville
Utilities cost of living index: 102.8
Average annual utilities cost: $4,755
Median household income: $72,389
14. Orlando
Utilities cost of living index: 102.3
Average annual utilities cost: $4,731
Median household income: $77,597
15. Pine Hills
Utilities cost of living index: 102
Average annual utilities cost: $4,718
Median household income: $57,278
16. Weston
Utilities cost of living index: 99.4
Average annual utilities cost: $4,597
Median household income: $126,894
17. Sanford
Utilities cost of living index: 99.2
Average annual utilities cost: $4,588
Median household income: $69,987
18. Cape Coral
Utilities cost of living index: 98.6
Average annual utilities cost: $4,560
Median household income: $85,584
19. Brandon
Utilities cost of living index: 98.5
Average annual utilities cost: $4,556
Median household income: $80,980
20. Lakeland
Utilities cost of living index: 98
Average annual utilities cost: $4,533
Median household income: $63,859
Methodology: For this study, MoneyLion analyzed cities in Florida with a population of at least 60,000 to find the average cost for utilities in each city. Using the U.S. Census 2024 1-year ACS, cities in Florida with at least 60,000 people were identified. The utility cost of living indices were sourced from Sperling's BestPlaces and using the national average expenditure costs for all households, as sourced from the Bureau of Labor Statistics Consumer Expenditure Survey, the average cost of living was calculated for each city. Mortgage data came from the Zillow Home Value Index for November 2025 and the Federal Reserve Economic Data (using a 10% down payment). The total cost of living was calculated for each city. The utility index, monthly average cost for utilities and annual average cost for utilities were calculated and included for each city. The cities were sorted to show the highest average cost of utilities first. All data is up to date as of Dec. 24, 2025.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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