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Living in Miami: how much would it cost you?

Miami is a bustling, busy, modern city. Its beaches are the envy of half the world, it has an important cultural scene, the nightlife is world-class and it has a rising job market. It is normal for many people to want to live there, which makes it one of the most desired destinations in the entire world.

This favorite geography of so many has recently seen a sharp increase in the cost of living. Today it is very expensive to live in Miami. That is why it is better to be informed at the time of such a big change. Obtaining the indexes and data necessary to estimate how much of that decision is complex, so we have done it for you.

Housing and transportation are the main driver of these prices, partly due to the inflation that affects the United States and partly due to the economic consequences of the pandemic. To these items must be added the expenses of education, services, health, clothing, supermarket and miscellaneous. The figures shown here are based on the average expenses of a family of four.

Living place

In the months after the pandemic began, real estate prices in South Florida skyrocketed. Low property taxes and the fact that the state does not collect taxes (only federal and municipal taxes are paid), added to the new trend of working remotely, pushed many people from other states to the Caribbean paradise.

According to the website RealtyHop, which specializes in home sales and rentals, Miami overtook Los Angeles as the second least affordable market, behind New York. The cost of rent for a family is around USD 2,600 per month, more than 80% of an average salary.


To live in Miami you definitely need a car. More than 90% of households have at least one. But 2022 presents a unique, and unfavorable, juncture. There is a lack of inventory of new cars because there are no key elements to build them, due to the cut in the supply chain caused by the pandemic. That’s why the price of used cars skyrocketed: according to official figures, it had an increase of 37.3% year-on-year.

A used car with a useful life ahead of it costs an average of $21,000. Buying with a down payment and financing the rest is also expensive, although credit is not for newcomers. Even if you succeed, to control inflation the government raised the interest rate, and the installments would carry 7.5% interest. The cost of the average used financed for six years would be USD 520 per month.

The price of insurance has also increased, and in Miami-Dade County it has been historically high due to the number of uninsured drivers on the road. Average premium coverage costs $2,762 per year and basic coverage costs $1,680 or $140 per month.

Filling the tank of the car, which will last about 300 miles (480 kilometers), costs USD 55, a little less than the USD 70 that came out in June, peak in the cost of gasoline. Depending on how far you have to travel to and from work, it could last a week or more.


College education tends to be cheaper in the magical city than in the rest of the country. In the 2020-2021 academic year, the average cost was USD 4,005 for in-state residents and USD 12,763 for non-residents (if you just arrived you will be considered that way), compared to a national average of USD 6,540 and USD 17,781 respectively. Public primary and secondary education is completely free.


For a family of four, the average monthly cost of health care is $813, according to MIT data.


Public services in Miami are relatively cheap compared to other states in the country. A two-bedroom apartment should consume about USD 141.93 per month, according to Numbeo.com. This includes electricity (which is currently getting more expensive), water and garbage collection. Add another USD 70 online.

We do not include telephone expenses: they fluctuate a lot depending on the coverage plan and the number of telephones in the home.

In any case, to give you an idea, a mobile line can cost from USD 15 per month but there are others for USD 300. The average family plan (four mobile lines) ranges between USD 120 and USD 220.

Clothes and shoes

Clothing expenses vary by age, style, and many other criteria, but according to CreditDonkey.com, a family earning more than $64,000 a year (equivalent to nearly $5,350 a month) spends about $203 a month on clothing .


According to LivingCost.org, the cost of food is USD 1,596 per month for a family. This would be eating mostly at home, which is about USD 399 per week on average.


This is where the calculations get complicated. There are so many miscellaneous expenses that they are impossible to calculate. That’s where entertainment falls (outings, trips, vacations, etc.), extracurricular activities for the kids (art, sports, hobbies, and more), gifts (birthdays, anniversaries, graduations, Christmas and any other reason you can think of ), and also emergencies. It is really incalculable and can be anywhere from a few hundred to thousands of dollars per month.

To calculate the total figure, we will take a family of four made up of two adults and two minors of school age (ie, without education expenses: they go to public school). We add and it gives us a total of USD 6,353.93 per month, taking the lowest prices of all ranges. As you can see, living in Miami is expensive. Now that you know how much you need, you can plan.


Cubans in the streets push back the police of the dictatorship

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Cuba in the street: What the Castro dictatorship doesn’t want the world to see

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José Martí
José Martí
Nacionalista cubano, poeta, filósofo, ensayista, periodista, traductor, profesor y editor.

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