Tampa wins overall by ~18% (COL index)
Cost of living: Miami vs Tampa (2026)
A $60,000 salary in Miami buys roughly what $50,732 does in Tampa (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$7,957/yr
Favoring Tampa for this income & household (illustrative).
With the extra $663/mo, you could pay down a $15,000 card balance in ~23 months and still keep ~$80/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Miami Florida | Tampa Florida | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $2,000 | $1,600Wins | Tampa wins −$400/mo | $4,800/yr saves in Tampa |
| 1BR rent/mo | $2,500 | $2,000Wins | Tampa wins −$500/mo | $6,000/yr saves in Tampa |
| 2BR rent/mo | $3,500 | $2,700Wins | Tampa wins −$800/mo | $9,600/yr saves in Tampa |
| Median home price | $620K | $380KWins | Tampa wins −$240K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 105 | 99Better | Tampa wins -6 | — |
| Budget meal (1 person) | $16 | $14Wins | Tampa wins −$2/mo | — |
| Mid-range dinner (2) | $65 | $58Better | Tampa wins −$7/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $112 | $65Wins | Tampa wins −$47/mo | $564/yr saves in Tampa |
| Gas price/gal | $3.50 | $3.20Better | Tampa wins −$0.30 | — |
| Car insurance/mo | $215 | $210Better | Tampa wins −$5/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $185Better | $195 | Miami wins +$10/mo | — |
| Internet/mo | $70 | $65Better | Tampa wins −$5/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $58K | $60KBetter | Tampa wins +$2K more/yr | — |
| State income tax% | 0.0%Better | 0.0% | — | — |
| Sales tax (combined)% | 7.0%Better | 7.5% | Miami wins +0.5 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $16.00 | $15.00Better | Tampa wins −$1.00 | — |
| Gym membership/mo | $45 | $38Wins | Tampa wins −$7/mo | — |
| Beer at restaurant | $7.00 | $6.00Wins | Tampa wins −$1.00 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 123 | 104Wins | Tampa wins -19 | — |
| Walk score / 100 | 78Wins | 50 | Miami wins -28 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Tampa fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Tampa.
High-yield savings
Park ~$6,000/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Miami and Tampa are Florida's two main draws — both have no state income tax and warm weather year-round. Tampa is 20–30% cheaper on rent and home prices with a fast-growing job market. Miami wins on international culture, nightlife, and beach access, but at a significant affordability cost.
Frequently asked questions
Is Miami cheaper than Tampa?
No. Tampa is 18% cheaper than Miami based on overall cost of living indices (104 vs 123, where 100 = US average).
What is the average rent in Miami vs Tampa?
As of Q1 2026, the median 1-bedroom rent in Miami is $2,500/month and in Tampa is $2,000/month. Miami is more expensive by 25%.
How much do I need to earn in Tampa to match a $75,000 salary in Miami?
To maintain a similar lifestyle, you would need approximately $63,415/year in Tampa to match a $75,000 salary in Miami. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Miami or Tampa?
Tampa has the lower state income tax rate at 0% vs 0%. Tampa has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Miami to Tampa?
It depends on your priorities. Tampa offers lower overall costs and tax advantages, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Miami ↔ Tampa
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