Living on Florida’s scenic Highway 30A means turquoise water, walkable beach towns, and some of the most sought-after real estate on the Gulf Coast. But what does it actually cost to live here full time?

Housing is the biggest factor. Along 30A, home prices range dramatically depending on location. Expect median home prices to start around $850,000 to $1.2M, with luxury properties in places like Rosemary Beach, Alys Beach, and Seaside often reaching into the multi-millions. Condos and cottages in areas like Blue Mountain Beach or Santa Rosa Beach may be more attainable, typically starting in the $600K range.

Renting long-term can also be pricey due to demand from vacationers and short-term rental limits. Monthly rents often range from $3,000 to $6,000+ depending on location and property type.

👉 Browse current homes for sale along 30A

Other Living Expenses

• Utilities: Expect to pay around $250 to $500 per month for electricity, water, and internet combined for properties under 3,000 sq feet. Anything above that may vary considerably depending on amenities of the home, how many stories, and how cool you prefer your home in the summer time. 

• Property Taxes: Walton County’s average tax rate is roughly 0.75% to 1.0% of assessed value. That means a $1M home may carry $7,500–$10,000/year in property taxes. Homestead exemptions, a benefit for homeowners in Florida who reside here full time, can reduce their taxes once residency has been swapped over to Florida. In fact, in 2026 Florida will vote on HJR 201 and if passed it will eliminate taxes altogether for Homestead properties. 

• Insurance: Most of the properties along the 30A corridor are 'relatively' newer and have been built with strong standards in mind. In these cases, property insurance typically tends to lean just around average in the US. Of course, being in a luxury area of the Emerald Coast, the insurance will climb with the price of the property covered. 

  • 💡 Rule of Thumb: Expect annual homeowners insurance to cost around 0.5% to 1.25% of your home’s value, depending on factors like flood zone, roof age, wind mitigation, and coverage level.

• Groceries: Close to national average, with Publix, Walmart, and local markets available. Specialty grocery stores or stores like Whole Foods, or Whole Market will typically be above average. 

• Transportation: Most residents own a car; gas prices are generally lower than the national average. Golf carts, bikes and walking are very common modes of transportation while traveling out and about in the 30A area's, making transportation costs much lower. 

• Healthcare: Fort Walton has access to quality care, with several clinics and a local hospital system.

30A also benefits from no state income tax, which keeps overall costs lower than many other U.S. destinations. Destin’s high tourism appeal also brings higher property taxes and insurance costs, so it’s important to speak with a local expert who can help you break down the numbers based on your needs.That said, the lifestyle and resale value are unmatched. If you’re seeking high-end coastal living, 30A is hard to beat.

Thinking about moving to 30A full time?
Meet the Emerald Group and let us help you break down options based on your goals.

⭐ Client Testimonial:
"Wow! There are not many more superlative words I can use to describe my awesome experience with purchasing my Emerald Coast Florida home. AJ Beddoux and Emily Dunn made the entire process of buying my home very seamless with their constant professionalism, communication, their genuine happiness to help, and always answering my questions, which were many with the same smile and happiness. When they told me they would be sending documents for me to review or sign, once I read them, I completed them and sent the information to them. I never had to wait long for a response for anything. AJ and Emily's professionalism and great attitude towards me each and every time I had to interact with them was superb. When you are thinking about buying a home in the Emerald Coast, I would highly recommend that you select these two wonderful ladies to be on your team. I can guarantee you will not be disappointed. Thank you, AJ and Emily, for helping me and guiding me through the process of buying my first Florida home. I appreciate all your help and bearing with me through all of my questions."
— Lauren, 30A

📣 See our reviews on Google

❓ FAQ Section

Q: Is 30A more expensive than Destin or Fort Walton Beach?
Yes. 30A is one of the most premium markets on the Emerald Coast, largely due to its boutique feel, walkability, and luxury communities.

Q: Are there affordable options along 30A?
"Affordable" is relative here — but neighborhoods like Santa Rosa Beach or the west end of 30A tend to have better entry-level pricing.

Q: Does Emerald Group help with investment or second home purchases?
Absolutely. Many of our clients buy second homes here or relocate full time. We’ll help you run the numbers, understand local regulations, and buy smart.