CitytisticsShortlist

Cost of living, pay and housing

28.04° N · 81.90° W · GEOID 1215725

Crystal Lake

Polk County, Florida · part of the Lakeland, FL metro

FloridaCrystal Lake, FLCrystal LakeCrystal Lake

The short answer

Crystal Lake is home to 5,451 people. Median household income is $49,424 a year and median rent is $1,181 a month, 28.7% of income (a ratio of two medians, not any one household's burden). Rent pressure is moderate. The median home is valued at $205,600, about 4.2x annual median household income.

Crystal Lake is defined by its growth. Home value growth is 19.9% a year, against 10.1% a year in its closest peers. Also notable: Home values rose 19.9% a year between the 2019 and 2024 surveys while incomes rose 8.6%, a wider gap than in 97% of places its size.

1OF 100

CTXCitytistics Index

Weak

Crystal Lake scores better than 1% of the 6,612 places we rate, and ranks 452nd of 474 in Florida.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%24
Economy 20%39
Safety 20%n/a
Amenities 15%0
Education 10%2
Commute 10%26
Growth 5%n/a

Not rated: safety, growth, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$1,181
13% below the median place
Median household income
$49,424
38% below the median place
Median home value
$205,600
36% below the median place
Unemployment
4.1%
16% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Crystal Lake

  • HousingOwning with a mortgage costs only about $11 a month more than the median rent, a smaller gap than in 93% of the 2,469 places under 10,000 people we track.
01

Moving to Crystal Lake

Polk County gains about 29.9 residents per 1,000 a year to moves between counties.

Moved in57,661
Moved out39,105
Net+18,556

Where people come from and where they go, top counties

Within Florida, other states or abroad

Arrivals
Leavers
Within FloridaOther statesAbroad

Income per tax return

Arrivals$56K
Leavers$53K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Polk County; flows under 20 returns are not published.

Who moves here
5.5% of residents arrived from another county in the past year, 3.0% from another state.
Who arrives and who leaves
Households moving into Polk County report $56,300 a year in income on average; those leaving, $53,000, so newcomers earn more than leavers.
Income you would need
$47,200 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,181 a month; owners with a mortgage pay $1,192 a month including taxes and insurance, on a median home of $205,600.
Getting to work
29 minutes each way on average; 12.4% work from home.
If it is close but not quite
Patterson, LA matches it on character for less of your income. Compare the two
Moved here in the past year1
5.5%
4% below the median place
Net movers per 1,000 people7
29.9
above the median place (median -0.6)
Income of households moving out7
$53,034
25% below the median place
All 5 moving measures
MeasureCrystal LakeAmong 6,645 placesVs median
Moved here in the past year15.5%4% below
Moved from another state1County figure3.0%49% above
Net movers per 1,000 people7County figure29.9above (median -0.6)
Income of households moving in7County figure$56,32220% below
Income of households moving out7County figure$53,03425% below
02

What it costs to live here

After the median rent, with other prices set to the US average, the median household keeps about $36,200 a year, less than in 93% of the 1,875 places under 10,000 people we track.

Crystal Lake28.7%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$47,240
a year, at the 30% line
Rent to income
28.7%
41% above the median place
Home price to income
4.2x
9% above the median place

Could you afford it?

The median rent would take
29%
just under the 30% line
Left after rent, in US prices
$35,800
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Crystal Lake, $1,181 a month, and local prices for everything else (97.4 against a US average of 100). It runs in your browser and stores nothing.

Like Crystal Lake, but easier on the budget

Places that match Crystal Lake on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Patterson, LA9421.1% vs 28.7%n/aCompare
Gonzales, TX9317.4% vs 28.7%n/aCompare
Okeechobee, FL9322.3% vs 28.7%n/aCompare
Dillon, SC9321.1% vs 28.7%n/aCompare

Moving from somewhere else? Work out the salary you would need in Crystal Lake.

Sponsored · exampleMoving to Crystal Lake? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
46.2%
30% below the median place
Owner costs with a mortgage1
$1,192
36% below the median place
Property tax paid (median)1
$1,284
61% below the median place
All 16 cost and housing measures
MeasureCrystal LakeAmong 6,645 placesVs median
Median gross rent1$1,18113% below
Rent to income128.7%41% above
Property tax rate10.6%32% below
Home price to income14.2x9% above
Prices vs US average2Metro figure97.14% below
Fair market rent, 2 bedrooms3County figure$1,6080% below
HUD area median income4County figure$83,90022% below
Property tax paid (median)1$1,28461% below
Median home value1$205,60036% below
Home prices, 1-year change5County figure-1.2%below (median 3.2%)
Home prices, 5-year change5County figure58.3%13% above
Homeownership146.2%30% below
Renters paying 30%+152.6%4% above
Owner costs with a mortgage1$1,19236% below
Vacant homes114.5%106% above
Median year built119740% below
03

Work and pay

Poverty rate is 26.3%, 144% above the median place.

Poverty rate1
26.3%
144% above the median place
Income per person1
$25,506
36% below the median place
Median household income1
$49,424
38% below the median place
All 10 work and pay measures
MeasureCrystal LakeAmong 6,645 placesVs median
Median household income1$49,42438% below
Income per person1$25,50636% below
Unemployment14.1%16% below
Average annual pay6County figure$57,76312% below
Pay growth, 1 year6County figure3.7%0% above
Jobs6County figure264,98176% above
Poverty rate126.3%144% above
Mean commute129 min17% above
Works from home1County figure12.4%0% below
Commutes by transit1County figure0.4%56% below
04

Who lives here

Bachelor's or higher is 10.2%, 68% below the median place.

Bachelor's or higher1
10.2%
68% below the median place
High school or higher1
71.9%
22% below the median place
No health insurance1
18.3%
186% above the median place

More about who lives here, against the typical place

Homes with broadband84.7% −8%
Born abroad14.5% +64%
Household size2.6 +5%
Median age39.4 +1%
All 8 people measures
MeasureCrystal LakeAmong 6,645 placesVs median
Population15,4516309th largest
Median age139.41% above
Bachelor's or higher110.2%68% below
High school or higher171.9%22% below
Household size12.65% above
Born abroad114.5%64% above
No health insurance118.3%186% above
Homes with broadband184.7%8% below
05

Life in Crystal Lake

OpenStreetMap shows 0 parks per 10,000 residents, fewer than in 95% of the 2,480 places under 10,000 people we track. It is the lowest of 474 Florida places we track.

77 sites are on the National Register of Historic Places, 2 of them National Historic Landmarks.

Out the door, against the typical place

Parks per 10k residents0.0 −100%
Playgrounds per 10k0.0 −100%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k0.0 −100%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • De Soto National Memorial 57 miles
  • Canaveral National Seashore 85 miles
  • Fort Matanzas National Monument 123 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars12.6 −39%
Shops24.2 −20%
Arts, recreation and fitness2.1 −49%
Doctors' offices and clinics12.4 −39%
Child care centers1.8 −22%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site10
57.4
86% above the median place
Restaurants and bars per 10k8
12.6
39% below the median place
Arts, recreation and fitness per 10k8
2.1
49% below the median place
All 18 schools and local life measures
MeasureCrystal LakeAmong 6,645 placesVs median
Public schools12County figure166above (median 9)
Public school students12County figure116,892above (median 4,897)
Students per teacher12County figure19.426% above
Restaurants and bars per 10k8County figure12.639% below
Shops per 10k8County figure24.220% below
Arts, recreation and fitness per 10k8County figure2.149% below
Doctors' offices and clinics per 10k8County figure12.439% below
Child care centers per 10k8County figure1.822% below
Parks per 10k90.0below (median 10.2)
Playgrounds per 10k90.0below (median 9.4)
Grocery stores per 10k90.0below (median 2.1)
Restaurants, cafes and bars per 10k90.0below (median 11.2)
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails90.0below (median 2.0)
Transit stops per sq mi90.0below (median 0.2)
Nearest National Park Service site1057.486% above
National Park Service sites within 60 miles10150% below
National Register listings11County figure77above (median 13)
06

Safety, weather and risk

Good air days is 95.5%, 39% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Crystal Lake. Larger places are fetched first.

Good air days15
95.5%
39% above the median place
Average temperature13
73°F
33% above the median place
January average low13
49°F
96% above the median place
All 11 weather and risk measures
MeasureCrystal LakeAmong 6,645 placesVs median
July average high13County figure92°F6% above
January average low13County figure49°F96% above
Average temperature13County figure73°F33% above
Annual precipitation13County figure52.6 in20% above
Natural hazard risk14County figure96.54% above
Hurricane risk14County figure98.539% above
Tornado risk14County figure93.915% above
Wildfire risk14County figure97.058% above
Heat wave risk14County figure93.64% above
Median air quality index15County figure3421% below
Good air days15County figure95.5%39% above
08

Crystal Lake in 2030: where the trends point

If recent trends hold, the median rent will take about 28% of the median income in 2030, about the same as 29% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Crystal Lake does better than 20% of places. Its projected home value growth beats 99%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,181/mo (2024)$1,510/mo$1,240 to $1,840/mo+4.2%
Median household income$49,424 (2024)$64,000$54,000 to $75,500+4.4%
Median home value$205,600 (2024)$329,000$239,000 to $453,000+8.1%

The median home would be worth 5.1 years of the median income in 2030, against 4.2 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Crystal Lake

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Highlands, TX$1,223$52,167Compare
Clearlake, CA$1,240$41,867Compare
Sandston, VA$1,211$59,238Compare
Lincoln Village, OH$1,043$53,797Compare
Lincoln Village, OHSandston, VAClearlake, CAHighlands, TXCrystal Lake, FLCrystal LakeHighlandsClearlakeSandstonLincoln VillageCrystal LakeHighlandsClearlakeSandstonLincoln Village

Places built like Crystal Lake

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Crystal Lake performs against places like it.

PlaceRent to incomeIncome growthPop. change
Crystal Lake, FL28.7%8.6%/yrn/a
Thomson, GA24.1%7.5%/yr-0.8%Compare
Dillon, SC21.1%-2.3%/yr-4.6%Compare
Adel, GA26.7%6.2%/yr5.5%Compare
Forest City, NC27.5%5.2%/yr0.8%Compare
Fort Pierce North, FL27.5%7.0%/yrn/aCompare
Arcadia, FL28.9%5.8%/yr8.6%Compare

Common questions

Is Crystal Lake a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 1 out of 100, better than 1% of the places we rate and 452nd of 474 in Florida. Owning with a mortgage costs only about $11 a month more than the median rent, a smaller gap than in 93% of the 2,469 places under 10,000 people we track. On cost, space and class size it scores 6 out of 100 for families. See how it ranks with your own weights.

Is Crystal Lake expensive to live in?

The median rent takes 28.7% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $205,600.

What salary do you need to live in Crystal Lake?

To rent the median home without spending more than 30% of income on rent, a household needs about $47,240 a year. Work it out from your current city.

What places are similar to Crystal Lake?

On income, rent, home value, education and age, the closest matches are Highlands, TX, Clearlake, CA, Sandston, VA and Lincoln Village, OH.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Crystal Lake with places of a similar size, using only figures measured for Crystal Lake itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/crystal-lake-florida

Citytistics. “Crystal Lake, Florida.” Data as of 2026-11-14. https://www.citytistics.com/city/crystal-lake-florida/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.