Measured against area pay, Combee Settlement costs more to live in than 61% of U.S. towns
It ranks #141 of 637 in Florida for affordability.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Lakeland-Winter Haven, FL metro area ($66K). How TownRatings grades cost of living
The grade compares costs with what households across the Lakeland metro earn ($66K, Census 2020–24). Even so, the typical home costs 3.0 years of metro income, and 56% of renters pay 30% or more of income for housing.
In dollars
- $1,440a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 97prices across the Lakeland metro, where the U.S. is 100 (housing 96)BEA Regional Price Parities, 2024
In paychecks the grade
- 3.0 yrsof area income buys the typical home; the typical U.S. town: 3.3$66K, Lakeland-area income
- 21%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 56%of renters pay 30%+ of income for housing; across Florida: 60%Census 2020–24
- 43%of owners do; the typical U.S. town: 20%Census 2020–24
Housing in Combee Settlement, in brief
Owning can cost less than renting
With 20% down at the calculator’s rate, the typical Combee Settlement home runs about $1,240 a month with tax and insurance. A two-bedroom rents for about $1,440. The hurdle is getting in: the down payment, and a budget at the median income that falls short of the typical home. Can I afford it? ↓
About half of Combee Settlement rents
50% of households rent their home, 899 in all, against 32% across Florida. Renting ↓
Written from the data on this page. There’s no Zillow index for Combee Settlement, so the typical value is an estimate: the Census median carried forward with the federal house price index; sales and supply are Redfin’s for September 2026; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Combee Settlement’s grade
Measured against what households in the area earn, Combee Settlement is more affordable than 39% of U.S. towns, #141 of 637 in Florida. The share of households paying 30%+ for housing pulls the grade down most; property tax holds it up.
Home prices up 66% in 5 years
The federal house price index for the ZIP code around Combee Settlement rose 66% over the past 5 years, faster than across Florida (60%). Last year prices fell 2.9%. Carrying the Census median home value forward with that index puts the typical Combee Settlement home at roughly $216,000 today.
Carrying the Census median forward with the index puts a typical home at about $216K.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Combee Settlement, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
Too few sales to read the market
Only 5 homes sold in September 2026, the latest month in Redfin’s figures: too few to describe the market or quote a median sale price.
A year’s rent takes 21% of area income
The calculator starts from the area income the grade uses. Switch to Combee Settlement’s own median, or type yours.
That covers a typical Combee Settlement home, with $51K to spare.
A two-bedroom rents for about $1,440 a month here, $200 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Combee Settlement’s typical property tax (0.61% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,440
Renters already here pay a median of $1,130, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Lakeland-Winter Haven, FL MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Property tax runs below the Florida norm
The median bill is $1,190 (Florida: $2,730), 0.61% of a home’s value a year, against 0.76% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Combee Settlement
Only figures published free for the whole country, each labeled with the area it covers: the Lakeland-Winter Haven, FL metro area, or Florida. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 97 | FL 103 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 96 | FL 98 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 87 | FL 90 | metro | BEA, 2024 |
| Other services U.S. = 100 | 99 | FL 101 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Combee Settlement vs. its neighbors
Zillow publishes no value for Combee Settlement.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Combee Settlement | C+ | — | $196K | 0.61% | $1,440 |
| Lakeland | C− | $309K | $249K | 0.73% | $1,540 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Combee Settlement
Is Combee Settlement expensive to live in?
Measured against what households in the area earn, Combee Settlement costs more than 61% of U.S. towns: a C+ for cost of living, #141 of 637 in Florida. The typical home costs 3.0 years of the median household income of the Lakeland-Winter Haven, FL metro area ($66K).
How much is rent in Combee Settlement?
HUD puts a two-bedroom at about $1,440 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $1,130 (Census 2020–24).
What are property taxes in Combee Settlement?
The median bill is $1,190 a year, 0.61% of the median home value (Florida: $2,730, 0.76%), from the Census 2020–24.
Neighbors talk housing
What Combee Settlement buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.