FIRE Number & Cost of Living in Florida

Explore FIRE baselines across 17 cities in Florida. No state income tax means more savings turn into invested capital. Find your target and compare retirement timelines.

Cities covered
17
Avg FIRE target
$1,273,525
Avg annual cost
$50,941

All cities in Florida

Ranked by cost of living. Pick a city to see detailed FIRE calculations, tax context, and retirement scenarios specific to that location.

🇺🇸
Miami, FL
$68,000/year baseline
$1,700,000 FIRE target
🇺🇸
Naples, FL
$62,000/year baseline
$1,550,000 FIRE target
🇺🇸
Boca Raton, FL
$62,000/year baseline
$1,550,000 FIRE target
🇺🇸
Fort Lauderdale, FL
$60,000/year baseline
$1,500,000 FIRE target
🇺🇸
West Palm Beach, FL
$58,000/year baseline
$1,450,000 FIRE target
🇺🇸
Sarasota, FL
$52,000/year baseline
$1,300,000 FIRE target
🇺🇸
Tampa, FL
$50,000/year baseline
$1,250,000 FIRE target
🇺🇸
Fort Myers, FL
$50,000/year baseline
$1,250,000 FIRE target
🇺🇸
Orlando, FL
$48,000/year baseline
$1,200,000 FIRE target
🇺🇸
St. Petersburg, FL
$48,000/year baseline
$1,200,000 FIRE target
🇺🇸
Clearwater, FL
$48,000/year baseline
$1,200,000 FIRE target
🇺🇸
Jacksonville, FL
$46,000/year baseline
$1,150,000 FIRE target
🇺🇸
Cape Coral, FL
$46,000/year baseline
$1,150,000 FIRE target
🇺🇸
Tallahassee, FL
$42,000/year baseline
$1,050,000 FIRE target
🇺🇸
Gainesville, FL
$42,000/year baseline
$1,050,000 FIRE target
🇺🇸
Pensacola, FL
$42,000/year baseline
$1,050,000 FIRE target
🇺🇸
Lakeland, FL
$42,000/year baseline
$1,050,000 FIRE target

Calculate your FIRE date for any city in Florida

Use the full calculator to model your specific income, savings rate, and taxes to get an exact retirement date.

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