What Salary Do You Need to Live Comfortably in Tampa?

Cost-of-Living Guidance from Emeri & Joe Lewkowicz

As more people relocate to Tampa for its sunshine, affordability, and lifestyle, one question comes up again and again: “What salary do I need to live comfortably in Tampa?” It’s an important question—and one we can help answer through decades of local experience helping families settle into the area.

The Short Answer:

A comfortable salary for Tampa typically ranges between $70,000 and $85,000 per year for a single adult.

But the real figure depends on your lifestyle, neighborhood, and financial goals.

Why Tampa Is Still More Affordable Than Other Major Cities

Compared to Miami, Orlando, Jacksonville, Atlanta, or Charlotte, Tampa continues to offer a strong balance between cost of living and quality of life.

Your dollar stretches further here in terms of:

1. housing

2. groceries

3. transportation

4. utilities

5. activities

6. childcare

7. entertainment
   
   

That said, Tampa’s growth has increased housing costs—so being realistic about budget is essential.

Breaking Down Tampa Living Costs

Here’s a general overview of what a “comfortable” lifestyle includes:

Housing

1. Rent for a 1-bedroom: $1,500–$1,900

2. Rent for a 2-bedroom: $1,900–$2,600

3. Starter home: $350,000–$450,000

4. Suburban single-family homes: $450,000–$650,000
   
   

Expenses

Typical monthly costs:

1. Utilities: $150–$250

2. Groceries: $350–$600

3. Transportation: $350–$700

4. Health insurance: varies by employer

5. Dining/entertainment: $200–$500

6. Childcare: $800–$1,400 per child
   
   

With these numbers, the comfort range of $70K–$85K makes sense.

What About Families?

A family of three or four typically needs $95,000–$125,000 for a comfortable, sustainable lifestyle—especially in desirable areas with highly rated schools like:

1. Westchase

2. Carrollwood

3. Wesley Chapel

4. FishHawk Ranch

5. South Tampa
   
   

Is It Possible to Live on Less?

Yes—but with limitations.

1. $50,000/year can work with careful budgeting

2. $60,000–$70,000 provides moderate comfort depending on expenses

3. Under $50K is challenging in today’s Tampa, especially for renters
   
   

Final Insight from Emeri & Joe

“Comfortable living in Tampa is about more than income—it’s about choosing the right neighborhood for your lifestyle and financial goals.”

We help clients identify hidden-gem communities that offer excellent value without compromising quality of life.