Moving from Tampa to Carmel (2026)
Carmel has a COL index of 98 vs 104 for Tampa (100 = US average). You'd pay about 6% less for the same lifestyle.
Save ~$621/mo
on core expenses · $75K salary baseline
Key differences
COL index
10498
100 = US avg
1BR rent
$2,000$1,450
per month
State tax
None3.2%
income tax
Take-home at $75K
$4,741$4,541
per month
Salary needed in Carmel to match your Tampa lifestyle
Based on the 6% cost of living decrease between the two cities.
| Your salary in Tampa | Equivalent in Carmel |
|---|---|
| $40K | $37,692 |
| $50K | $47,115 |
| $60K | $56,538 |
| $75K | $70,673 |
| $80K | $75,385 |
| $100K | $94,231 |
| $120K | $113,077 |
| $150K | $141,346 |
Monthly budget at $75K — Tampa vs Carmel
| Expense | Tampa | Carmel |
|---|---|---|
| Monthly take-home | $4,741 | $4,541 |
| 1BR rent | $2,000 | $1,450 |
| Groceries | $376 | $376 |
| Transport | $65 | $40 |
| Utilities | $195 | $152 |
| Internet | $65 | $62 |
| Left after essentials | $2,040 | $2,461 |
Frequently asked questions
Is Carmel cheaper than Tampa?
Yes. Carmel has a cost of living index of 98 vs 104 for Tampa (100 = US average). That's about 6% cheaper.
How much will I save moving from Tampa to Carmel?
On a $75K salary, moving from Tampa to Carmel could save roughly $621/month on core expenses. That's ~$7,452/year.
What salary do I need in Carmel to match my Tampa lifestyle?
To maintain the same purchasing power as $75,000 in Tampa, you'd need roughly $70,673/year in Carmel. This is based on the overall COL index difference between the two cities.
Moving from Carmel to TampaTampa vs Carmel — full comparisonTampa cost of livingCarmel cost of living
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates at $75K. Zillow · BLS · Numbeo · For general guidance only