Cost of Living in Bay County, FL

Modeled annual cost: $54,421.

Median family income: $81,161.

Affordability Snapshot

FL County Median

$49,359

State Rank

19thMost expensive counties in FL out of 67See Florida county rankings

Median Income

$81,161

Location Type

Metro

Biggest category:

Housing is the biggest expense in Bay County, FL.

$16,404 per year.

Cost breakdown

Total

$54,421

Per year

  • Housing:$16,404
  • Transport:$12,561
  • Taxes:$8,906
  • Other Costs:$6,444
  • Healthcare:$5,756
  • Food:$4,350
  • Childcare:$0

* Percentages may not add up to 100% due to rounding.

Cheaper counties in Florida

1Jackson County, FL
$41,306
2Madison County, FL
$41,905
3Jefferson County, FL
$42,260
4Dixie County, FL
$42,386
5Putnam County, FL
$42,462

Popular comparisons in Florida

See how Bay County, FL compares across the country.

Explore our cost of living interactive map to compare Bay County, FL with multiple counties in the United States.

Use the Cost of Living Map Launch WatchPennies cost of living map
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Cost of Living in Bay County, FL (2026)