Salary needed
A $50,000 salary in Suffolk County, MA would need to be about $33,795 in Collier County, FL, or $16,205 less, to match the modeled cost ratio.
Suffolk County, MA vs Collier County, FL: Cost of Living Difference
Is it cheaper?
Collier County, FL is cheaper than Suffolk County, MA.
Moving to Collier County, FL is estimated to save $26,496 per year.
Cheaper County
Collier County, FLSave about $26,496 per year.Salary needed
$50,000 in Suffolk County, MA is about $33,795 in Collier County, FL.
Biggest drivers
Healthcare increases by $1,156 per year. Housing saves $11,581 per year.
Housing: $11,581 lower in Collier County, FL
Taxes: $11,218 lower in Collier County, FL
Childcare: about the same in both counties
Healthcare: $1,156 higher in Collier County, FL
Food: $161 lower in Collier County, FL
Transport: $1,046 lower in Collier County, FL
Suffolk County, MA→Collier County, FL
Equivalent salary in Collier County, FL
$33,795
-32.41% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in Suffolk County, MA: $110,193
Median Income in Collier County, FL: $103,778
Living Index in Suffolk County, MA 74.20%
Living Index in Collier County, FL 53.26%
This estimate matches your purchasing power (equivalent salary) when moving from Suffolk County, MA to Collier County, FL.
* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Summary
Moving from Suffolk County, MA to Collier County, FL is estimated to save $26,496 per year. A $50,000 salary in Suffolk County, MA would have similar purchasing power to about $33,795 in Collier County, FL. The largest savings come from housing and taxes.
This is a -32.41% decrease in modeled annual costs. Housing is $11,581 per year lower (-41.47%); Taxes is $11,218 per year lower (-55.12%).
Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.
Why this comparison matters
These notes use the actual annual cost differences between Suffolk County, MA and Collier County, FL, so the page highlights the budget tradeoffs behind the total.
Affordability vs median income
Modeled annual costs equal about 74.2% of median family income in Suffolk County, MA and 53.3% in Collier County, FL. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Housing
Housing is $11,581 per year lower in Collier County, FL than in Suffolk County, MA. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Collier County, FL changes their baseline budget.
Food
Food is $161 per year lower in Collier County, FL than in Suffolk County, MA. Food costs affect weekly cash flow, so even a smaller annual gap in Collier County, FL can show up quickly for households that cook most meals at home.
Transportation
Transportation is $1,046 per year lower in Collier County, FL than in Suffolk County, MA. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Collier County, FL.
Healthcare
Healthcare is $1,156 per year higher in Collier County, FL than in Suffolk County, MA. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Collier County, FL changes provider networks or plan options.
Other necessities
Other necessities is $3,646 per year lower in Collier County, FL than in Suffolk County, MA. Other necessities cover everyday basics, so changes in Collier County, FL help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in Suffolk County, MA and Collier County, FL, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Collier County, FL, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $11,218 per year lower in Collier County, FL than in Suffolk County, MA. Taxes affect take-home pay, so the gap in Collier County, FL matters even if the headline salary looks similar before deductions.
What changed the most?
The following cards show the annual category differences that most affect the move to Collier County, FL.
Biggest Cost
Largest annual cost increase when moving to Collier County, FL
Annual Increase:
$1,156 per year
HEALTHCARE has the largest annual increase when moving to Collier County, FL.
Biggest Savings
Largest annual savings when moving to Collier County, FL
Annual Savings:
$11,581 per year
HOUSING has the largest annual savings when moving to Collier County, FL.
Breakdown of price percentages per category.
Numbers are average costs per section.
| Category | Difference | |
|---|---|---|
| Housing | -41% lower | |
| Food | -3% lower | |
| Transport | -8% lower | |
| Healthcare | 23% higher | |
| Other Costs | -36% lower | |
| Childcare | 0% higher | |
| Taxes | -55% lower |
In Collier County, FL, modeled annual costs are $55,269 compared with $81,765 in Suffolk County, MA.
Overall, annual costs are lower in Collier County, FL. The category breakdown above shows where the move creates the most room in the budget.
In this case Collier County, FL and Suffolk County, MA are both metropolitan locations.
Use our map to visually compare multiple counties at once.
