Cost of Living in Miami: The Number Families Get Wrong

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Free Miami Relocation Guide: https://bit.ly/425OjNB
More Miami market breakdowns: www.roquecastromiami.com

Cost of Living in Miami: the full 2026 breakdown for families planning a move.

Most families budget the Miami move off the home price. That's the number they get wrong. In 2026 the Miami-Dade median sits around $680,000, up from roughly $370,000 six years ago, but the list price is the part most budget tools show you and the smallest part of what you'll actually pay. This breakdown covers what the sticker leaves out, so you can plan the real number before you sign.

Families planning a Miami move usually budget off the home price and stop there. The costs that decide whether the move actually works sit underneath it: the property tax reset when you buy without a Save Our Homes cap, insurance that prices differently here than almost anywhere else, private school tuition, and the everyday costs that run higher than people expect coming from out of state. This video walks through each one and ends on the income math, what it takes to carry a Miami home comfortably rather than just qualify on paper. If you're looking at Coral Gables, Coconut Grove, or Palmetto Bay, these are the numbers to run first.

Chapters
0:00 The Miami market: $370k to $680k [verify the $370k]
0:48 The property tax reset out-of-state buyers miss
1:46 Why Florida home insurance works differently
4:02 Miami private school tuition and how Step Up for Students works
6:24 The daily costs: car insurance and groceries
8:20 The math: qualifying income vs comfortable income
10:50 Is the move still worth it?

About Roque Castro
Roque Castro is a Miami real estate advisor who helps relocating families and move-up buyers make clear, long-term housing decisions. The focus is on the questions that actually determine whether a move makes sense: pricing, ownership costs, neighborhood trade-offs, and how the decision holds up over time.

Book a private 1-on-1 call with Roque: https://bit.ly/4sXPue5
Free Miami Relocation Guide: [guide link]

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