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What Is the Cost of Living in Davenport, Florida in 2026?
Located in the heart of Central Florida — and just a short drive from Orlando’s theme parks — Davenport combines small-town charm with quick access to bigger cities. But with growth comes changing costs. Let’s break down the major living expenses you’ll want to budget for in 2026. Areavibes+1
Housing Costs: Home Prices & Rent
One of the biggest contributors to Davenport’s cost of living is housing.
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Median home values: Around $345,000 – $350,000 as of late 2025, with prices fluctuating as the market adjusts. Zillow
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Larger single-family homes — especially in golf-course or resort communities — can run $450,000 +. Index Yard
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Rent: For those renting, typical monthly rents in Davenport range roughly from $1,200 – $1,800+ depending on size and location. Index Yard
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Mortgage payments: With current mortgage rates and a home at today’s prices, monthly mortgage–principal and interest payments can be a major part of your budget. Index Yard
Housing costs in Davenport tend to be higher than both the Florida and national averages, particularly home values and mortgage payments. Areavibes
Property Taxes
Florida does not have a state income tax, but property taxes apply. In Davenport, property taxes are roughly around 1% of a home’s assessed value per year — meaning about $3,500 – $4,000 annually for a $400,000 home, or roughly $280 – $330 per month. Index Yard
Also keep in mind local budgets and millage rates can shift year-to-year (a 7.25 mill rate is referenced in recent city budget planning), which impacts your overall tax bill. Davenport
HOA & CDD Fees
Many Davenport communities — especially new developments, golf course areas, and planned neighborhoods — have Homeowners Association (HOA) fees:
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Typical HOA dues: Often range from $100 to $300 per month. Higheramenity or resort style communities can reach $300–$500+ per month. Index Yard
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CDD fees (Community Development District): These are common in Florida planned developments and can add to your annual taxes or monthly budget, though CDD amounts vary widely by neighborhood and typically need to be confirmed with your realtor or community docs. Reddit
Together, HOA and CDD can sometimes add hundreds to your monthly housing costs, so factoring them in is important when comparing homes.
Utilities: Electricity, Water & Internet
Davenport’s utilities are generally in line with Florida averages, but because of the hot summers and frequent use of air conditioning, electricity can be a notable budget item:
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Electricity: Around $150 – $250 per month, depending on season and home size. Index Yard+1
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Water & sewer: Around $30 – $50+ per month. Index Yard
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Trash & recycling: Roughly $20 – $30+ per month. Index Yard
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Internet & phone: Basic internet plans often start $60 – $100+ per month. Index Yard
All utilities combined for a typical household can fall between $190 – $300+ per month, depending on usage. Index Yard
Groceries & Everyday Essentials
Grocery prices in Davenport are close to the national average, with basics like milk, eggs, and produce not significantly higher than elsewhere in the U.S. Areavibes
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Expect to pay roughly $200–$400+ per month for a modest grocery budget for one person, and proportionally more for families — depending on eating habits and dietary needs.
Dining out in casual restaurants is also fairly typical for a mid-sized Florida city.
Transportation
Gas prices and transportation costs in Davenport tend to be moderate — close to national averages — but you’ll want to budget for:
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Gasoline: Varies with market conditions but generally not dramatically above U.S. norms. Numbeo
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Car insurance & maintenance: Florida insurance costs can be higher than many parts of the U.S., especially if you’re budgeting for full-coverage policies.
Public transit isn’t a major component in Davenport, so many residents rely on personal vehicles.
Other Costs to Consider
Here are a few additional cost factors to think about as you plan your budget in 2026:
Homeowners Insurance: Florida homeowners insurance tends to be higher than the national average due to weather-related risk. Always get personalized quotes.
Healthcare & Childcare: Healthcare costs are often close to the U.S. average, while childcare can vary widely based on age and provider.
Entertainment & Lifestyle: Dining out, fitness memberships, movie theaters, and other lifestyle costs are similar to other midsize Florida communities.
Overall Snapshot: What It Means in 2026
⭐ Housing: Likely your biggest cost — owning vs renting each has tradeoffs.
⭐ HOA/CDD: Can add hundreds monthly depending on community.
⭐ Utilities: Moderate but can spike in summer.
⭐ Groceries & transportation: Comparable to or slightly above national averages.
⭐ Property taxes: Predictable, but rising home values can increase them over time. Areavibes
While prices vary by household and lifestyle, Davenport’s overall cost of living tends to be comparable to many Central Florida areas, but with housing and HOA/CDD fees receiving special attention in your budget. 
