Boca Raton has long been one of Florida’s most desirable coastal cities, blending upscale amenities with family-friendly neighborhoods and a vibrant cultural scene. If you are considering a move in 2025, it is important to understand what life in Boca looks like in terms of cost, schools, and lifestyle.
Cost of Living in Boca Raton
The cost of living in Boca Raton is higher than the national average. In 2025, a single person can expect average living costs of around $2,896 per month, while a family of four typically spends $6,376 per month. This represents a cost that is 17 to 20 percent higher than the U.S. average.
Housing: Housing is the largest expense for newcomers. The median home price is approximately $619,000 as of July 2025, with entry-level single-family homes under $500,000 now rare. Condos can offer a lower entry point, though monthly HOA fees and assessments can be substantial. The median rent for an apartment is about $2,914.
Other Expenses: Utilities, groceries, and healthcare costs are above the Florida average. Property taxes and insurance remain significant, especially for homeowners, with the average home insurance premium ranging from $3,500 to $6,000 annually. Dining, shopping, and entertainment reflect Boca’s affluent reputation, with costs above many nearby cities.
For those seeking a similar lifestyle at a lower cost, nearby Boynton Beach provides an attractive alternative, with a median home price closer to $400,000.
Schools in Boca Raton
Boca Raton is widely recognized for its strong school system, which is a major draw for relocating families.
Public Schools: A.D. Henderson University School and FAU High School rank in the top 1 percent nationally with exceptional test scores. Waters Edge Elementary consistently ranks among Florida’s best magnet schools. Don Estridge High Tech Middle School and Spanish River Community High School are also highly rated magnet schools.
Private and Charter Options: In addition to public schools, Boca offers over 90 private and charter schools, including religious and international programs, ensuring families have a wide range of options.
Lifestyle and Recreation
Boca Raton provides a mix of outdoor activities, culture, and convenience that supports a balanced lifestyle.
Outdoor Living: The city is home to 46 parks and four miles of beaches, along with extensive opportunities for boating, golf, surfing, and cycling. The warm climate allows for year-round recreation.
Social and Cultural Scene: Residents enjoy frequent cultural festivals, live music at Mizner Park Amphitheater, art galleries, farmers markets, and a vibrant nightlife.
Shopping and Dining: From luxury shopping at Town Center Mall to boutique experiences at Mizner Park and Royal Palm Place, Boca delivers premium retail. The dining scene ranges from fine steakhouses and sushi restaurants to wine bars and local cafes.
Neighborhood Atmosphere: Downtown Boca is walkable and lively, filled with luxury condos, shops, and dining. Central Boca is suburban, family-focused, and close to schools. West Boca is dominated by gated communities with modern homes and strong schools. East Boca offers beaches, golf, and established estate properties.
Bottom Line
Relocating to Boca Raton offers the promise of an active, upscale lifestyle with excellent schools and coastal beauty. However, buyers should be prepared for higher-than-average living costs and limited starter home inventory. Families, professionals, and retirees who value top-tier education and recreation will find Boca Raton to be an exceptional place to call home, while those seeking affordability may want to explore nearby Boynton Beach as an alternative.
