Retirement Lists

Cost of Living in Florence, Oregon

Aerial view of Florence, Oregon, USA
Photo by Sam Beebe Camera location43° 59′ 53.4″ N, 124° 05′ 43.8″ W   View this and other nearby images on: OpenStreetMap 43.998167; -124.095500 via Wikimedia Commons, CC BY 2.0

Florence costs

A coastal Oregon budget needs heating, hazard insurance, utilities, and the actual home visible

The catalog's 2024 ACS gross-rent anchors are $872 for one bedroom and $1,201 for two bedrooms, with a modeled local monthly estimate of $3,271. Add heating, utilities, insurance, flood or hazard work, roof and window maintenance, vehicle costs, fuel, groceries, prescriptions, Peace Harbor care, and regional referrals.

Request recent utility history, rent or tax terms, hazard-zone and insurance information, roof and window records, drainage, internet, backup power, supplies, and the cost of a typical hospital and grocery loop. A lower housing figure can be offset by heating, insurance, or hazard preparation.

Planning a monthly budget

A local monthly estimate of $3,271 gives you the starting point, with transportation taking the largest share.

Housing
$872
Utilities (in rent)
$226
Food
$594/mo
Transportation
$1,289/mo
Healthcare
$516

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$4,452

Good

Cost of Living for Couple
$5,086

Good

Typical 1BR Rent
$872

Excellent

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$387/mo

Good

Need for a Car
Recommended
Property Taxes
Low

Good

Overall Feel
Moderate
Residents 65+ Below Poverty Level
9.2%
65+ Householder — Renter Occupied
23.3%
65+ Households With High Housing Costs
39.1%
Median Household Income, Householder 65+
$52,964

Could Florence fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$3,271 per month
Two people
$5,086 per month

One-person estimate breakdown

Housing
$872
Food
$594
Transportation
$1,289
Healthcare
$516

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Florence in everyday life

Could Florence work for you?

What may work well

  • The catalog supplies clear planning rent anchors for the city.
  • Peace Harbor, emergency maps, coastal recreation, and downtown provide identifiable household resources.

What to think about

  • Heating, insurance, hazards, utilities, maintenance, vehicle use, and regional care can change the total substantially.
  • A home in or near a hazard zone may add evacuation, supplies, alternate-route, and recovery costs.

Price a Florence household

  1. Compare several addresses

    Keep housing, heating, utilities, insurance, hazard zone, repairs, internet, vehicle, and service distance visible.

  2. Map recurring care

    Price Peace Harbor, pharmacy, groceries, specialists, referrals, fuel, parking, evacuation routes, and alternate roads.

  3. Reserve for coastal hazards

    Keep room for heating, roof, drainage, supplies, power, phone, insurance, earthquake or tsunami needs, and a ride after difficult weather.

Questions retirees ask

Are $872 and $1,201 the full Florence budget?

No. They are the catalog's 2024 ACS one-bedroom and two-bedroom gross-rent anchors. Add heating, utilities, insurance, maintenance, vehicles, care, hazard preparation, and regional travel.

Why do Florence homes have different budgets?

Hazard zone, evacuation, drainage, heating, insurance, roof, utilities, vehicle use, power, and care distance vary by address.

Florence affordability depends on the actual home, hazard and utility plan, heating, property work, vehicle use, local care, regional referrals, and weekly services.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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How this city research is made

Retirement Lists uses documented public sources and methods to research, review, and correct city information. Read our Editorial Policy.