Upper Grand Lagoon, FL Utility & Living Guide

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Tier 3 Location

Upper Grand Lagoon, FL Utility & Living Guide

Upper Grand Lagoon offers a peaceful coastal lifestyle with easy access to beautiful beaches and outdoor activities.

Last updated: June 26, 2026
Total Utilities$305/mo
1BR Rent$1200/mo
Sales Tax7.5%
COL Index105 (+5% above national average)
Family Score6/10
Median Home$320,000
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⚠️ Natural Hazard History — Upper Grand Lagoon
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$120/mo

Gulf Power Company
🔥 Gas

$50/mo

N/A - Electric only
💧 Water

$45/mo

Bay County Utilities
🗑️ Garbage

$25/mo

Waste Management
📶 Internet

$65/mo

Combined Average Overhead $305/month

Housing Market

Rent & Property
1 Bedroom$1200/mo
2 Bedrooms$1600/mo
3 Bedrooms$2100/mo
Median Home Price$320,000
Property Tax Rate1.2%
Avg Childcare/mo$1000

The housing market in Upper Grand Lagoon is competitive, with demand driven by its coastal location. Prices have risen steadily due to limited inventory and high desirability.

Cost of Living

Overall COL Index

105

US national avg = 100
vs National Avg

+5% above national average

Groceries

102

Transportation

98

Healthcare

100

Childcare/mo

$1000

Tax Rates

Tax Overview
Total Sales Tax7.5%
Property Tax Rate1.2%
<p>State 6% + County 1% + City 0.5%</p>

Florida has no state income tax.

Family & Relocation

Family Vibe Score
6/10
Safety Index

50

Higher = safer
School Rating

6.5/10

GreatSchools avg
Avg Childcare

$1000/mo

City Pulse

Population Trend
+8% (growing)
Political Climate
Red
Business Momentum
Moderate with key industries in tourism, fishing, and retail.
Top Local Concerns
Hurricane preparedness, coastal erosion, traffic congestion
🚌 Transit for Families

Public transit is limited; most families rely on cars. Sidewalks are available in newer neighborhoods.

🎡 Top Kid Attractions
  • 🎯
    Gulf World Marine Park
  • 🎯
    Frank Brown Park
  • 🎯
    Shipwreck Island Waterpark

Best Neighborhoods for Families

The Cove and Bayside are popular for families, offering good schools and proximity to parks.

Household Budget Calculator

Estimate your real monthly cost of living in Upper Grand Lagoon based on your household profile.

Local Briefing & Neighborhood Pulse

Live Local News

Residents must adhere to coastal building codes and hurricane preparedness standards.

Upper Grand Lagoon is experiencing growth in tourism-related businesses. Remote work trends have also increased demand for housing.

Financial Tools

Calculators
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📊 Upper Grand Lagoon — Census & Demographic Data

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

💰 Median Household Income
$61,740
👤 Median Age
39.5
🏠 Homeownership Rate
72.2%
🔑 Renter Rate
27.8%
📉 Poverty Rate
8.6%
💼 Unemployment Rate
3.6%
📡 Internet Access
93.6%
🎓 College Educated
34.7%

☀️ Seasonal Utility Costs

Utility costs peak in summer due to high air conditioning usage. Winter months see lower bills with milder temperatures.

🏛️ Local Tax Details

Key ZIP code level tax info: Property tax millage rate of 1.2%, no local surtaxes specific to Upper Grand Lagoon.

👶 Family & Stroller Friendliness

6/10: Sidewalks are present but uneven in older areas. Parks are accessible, but transit lacks elevators.

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