Boise vs Orlando: cost of living compared
Orlando is 3% more expensive than Boise overall.
Indexes use a US average of 100: below 100 is cheaper than the national average. Housing and transportation are derived from median home prices, rents and commute times; figures come from BLS, Census ACS, Numbeo and the MIT Living Wage Calculator.
The big picture
Comparing Boise and Orlando reveals a slight overall cost difference, with Orlando being marginally more expensive. However, the underlying expenses vary significantly. Boise's housing costs are noticeably higher for home purchases, while Orlando's transportation, utilities, and miscellaneous expenses tend to be greater. Food and healthcare costs are somewhat lower in Boise, contributing to its slightly more favorable overall position despite the housing disparity.
Housing
Housing presents a key difference; purchasing a home in Boise typically costs more than in Orlando. Conversely, renting a one-bedroom unit is generally more affordable in Boise. Beyond the mortgage, Orlando homeowners face higher insurance premiums, including potential flood insurance, and often encounter additional HOA or CDD fees. Property taxes in Florida also reset to market value upon sale, which can mean a significant increase for new owners.
Taxes and everyday costs
Daily expenses show a mixed picture. Florida's lack of a state income tax can be a substantial advantage for Orlando residents. However, Orlando's transportation, utilities, food, and healthcare costs are generally higher than in Boise. Commute times are also typically longer in Orlando, potentially adding to daily travel expenses and time. These factors mean everyday spending patterns will differ considerably between the two metros.
Lifestyle trade-offs
Beyond costs, lifestyle differences are notable. Boise offers a high desert climate with distinct seasons and proximity to mountains, appealing to outdoor enthusiasts. Its pace is generally considered more relaxed, with shorter average commutes. Orlando, in contrast, has a subtropical climate, known for its theme parks and a faster pace of life. However, it also experiences hurricane season, requiring preparedness and potentially higher insurance costs.
Bottom line
For those weighing a move, the financial implications depend heavily on individual priorities. Boise offers advantages in everyday spending categories like transportation and utilities, alongside generally lower rental costs. Orlando's appeal includes no state income tax, which can offset some higher expenses, but homeownership comes with elevated insurance and property tax considerations. Ultimately, the more favorable budget depends on whether home purchase costs or ongoing daily expenses are the primary concern.
| Measure | Boise, ID | Orlando, FL |
|---|---|---|
| Overall cost of living (US avg = 100) | 102 | 105 |
| Housing index | 110 | 104 |
| Transportation index | 82 | 104 |
| Food index | 95 | 98 |
| Healthcare index | 95 | 98 |
| Utilities index | 88 | 108 |
| Misc index | 90 | 92 |
| Median home price | $418,000 | $358,000 |
| Median 1-bedroom rent | $1,450/mo | $1,650/mo |
| Average commute | 22 min | 29 min |
Compare any two metros with the free cost of living tool, or see the true monthly cost of a specific Orlando home with the True Cost Calculator.