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Palm City, FL Utility & Living Guide

Palm City is an unincorporated area and census-designated place (CDP) in Martin County, Florida, United States. The population was 25,883 at the 2020 census.

Last updated: July 9, 2026

Total Utilities$305/mo

1BR Rent$1606/mo

Sales Tax7.5%

COL Index105 (+5% above national average)

Family Score6/10

Median Home$418,100

📷 Live Cameras — Palm City

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🌤️ Live Weather — Palm City

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Living in Palm City, summers are hot, with Aug highs around 88.5°F, while winters stay mild, with Jan lows rarely below 58.8°F. At just 0 heating degree days per year, home heating costs are minimal. Annual rainfall reaches 55.3 inches, mostly summer thunderstorms. Within 5 miles: 98 parks, 9 groceries, 46 dining spots and 8 schools. For hospital care, the nearest facility is in a neighboring city. Median household income: $89,175. With a 6.4% poverty rate and 77.6% homeownership, the community reflects a stable residential mix. Nearby cities: Jensen Beach (6mi NE), Port Saint Lucie (9mi NW), Fort Pierce (19mi N). Air quality is Good — avg AQI 46 over the past week.

📍 City Briefing

⚠️ Natural Hazard History — Palm City

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💰 Budget Calculator

🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$120/mo

Florida Power & Light Company

🔥 Gas

$50/mo

N/A - Electric only

💧 Water

$45/mo

Martin County Utilities

🗑️ Garbage

$25/mo

Waste Management

📶 Internet

$65/mo

Combined Average Overhead$305/month

Housing Market

Rent & Property
1 Bedroom	$1606/mo
2 Bedrooms	$1785/mo
3 Bedrooms	$2231/mo
Median Home Price	$418,100
Property Tax Rate	1.2%
Avg Childcare/mo	$1000

The Palm City housing market is competitive, with steady demand for single-family homes. Prices have risen due to its proximity to major employment centers and good schools.

Cost of Living

Overall COL Index

105

US national avg = 100

vs National Avg

+5% above national average

Groceries

102

Transportation

Healthcare

100

Childcare/mo

$1000

Tax Rates

Tax Overview
Total Sales Tax	7.5%
Property Tax Rate	1.2%
<p>State 6% + County 1% + City 0.5%</p>

Florida has no state income tax.

Family & Relocation

Family Vibe Score

6/10

Safety Index

Higher = safer

School Rating

6.5/10

GreatSchools avg

Avg Childcare

$1000/mo

City Pulse

Population Trend

+3% (growing)

Political Climate

Purple

Business Momentum

Moderate with key industries in healthcare, retail, and construction.

Top Local Concerns

Traffic congestion, school funding, hurricane preparedness

🚌 Transit for Families

Limited public transit options; most families rely on cars, but sidewalks are generally well-maintained.

🎡 Top Kid Attractions

🎯
Palm City Park
🎯
Florida Oceanographic Coastal Center
🎯
Allapattah Flats Wildlife Management Area

Best Neighborhoods for Families

The best neighborhoods for families in Palm City include The Cove and The Preserve, known for their good schools, parks, and community amenities.

Household Budget Calculator

Estimate your real monthly cost of living in Palm City based on your household profile.

📰 Live Local News

Residents must adhere to Martin County zoning laws, including restrictions on short-term rentals and landscaping requirements.

Financial Tools

Calculators

Income Tax CalculatorEstimate take-home pay by state
Mortgage CalculatorMonthly payment estimator
Affordability CalculatorHow much home can you afford?
Childcare Cost EstimatorCompare daycare costs by city

Planning Tools

Retirement PlannerRetirement readiness check
Car Lease CalculatorMonthly lease payment estimator
Savings CalculatorGrow your emergency fund
City Comparison ToolCompare cities side by side

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📊 Palm City — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

💰 Median Household Income

$89,175

👤 Median Age

51.0

🏠 Homeownership Rate

77.6%

🔑 Renter Rate

22.4%

📉 Poverty Rate

6.4%

💼 Unemployment Rate

1.9%

📡 Internet Access

92.4%

🎓 College Educated

40.4%

☀️ Seasonal Utility Costs

Utility costs peak in summer due to high air conditioning usage. Winter months see lower electricity bills but slightly higher water usage for landscaping.