Last update: Nov 2026

Cost of Living Comparison Between Fort Walton Beach, FL and Lima

For one person, living is cheaper in Lima: $1,042 a month against $2,163 in Fort Walton Beach, FL, rent and utilities included – about $13,500 less a year. Rent and utilities account for most of the difference.

102

Cost of Living Index in Fort Walton Beach, FL
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Fort Walton Beach, FL Living Index
50

Cost of Living Index in Lima
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Lima Living Index

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Fort Walton Beach, FL

🇺🇸 United States

$2,163

/mo nomad

Lima

🇵🇪 Peru

$1,042

/mo nomad

Monthly Cost of Living

How much you'll spend in Fort Walton Beach, FL and in Lima

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Fort Walton Beach, FL and in Lima actually costs, broken down by who's living it.

A single person spends $2,163 per month in Fort Walton Beach, FL vs $1,042 in Lima, rent included.

Fort Walton Beach, FL $2,163
Lima $1,042

A couple spends around $3,387 per month in Fort Walton Beach, FL vs $1,651 in Lima, rent included.

Fort Walton Beach, FL $3,387
Lima $1,651

A family of three spends $4,610 per month in Fort Walton Beach, FL vs $2,259 in Lima, rent included.

Fort Walton Beach, FL $4,610
Lima $2,259

Fort Walton Beach, FL costs about 108% more than Lima, and outside of rent the biggest gap is in eating out.

Fort Walton Beach, FL sits 60% above the global median, while Lima is 23% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$13.67 $13.67

$4.64 PEN 15.95

194.61%

Three-Course Dinner for Two, Mid-Range

$80.9 $80.9

$34.34 PEN 118

135.70%

Fast Food Meal (McDonalds, etc)

$10.57 $10.57

$7.01 PEN 24.12

50.78%

Cappuccino

$5.21 $5.21

$3.22 PEN 11.09

61.80%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.64 $2.64

$1.13 PEN 3.90

133.63%

Water (0.33 liter bottle)

$2.07 $2.07

$0.61 PEN 2.09

239.34%

Local Beer (0.5 liter draught)

$5.13 $5.13

$2.93 PEN 10.07

75.09%

Imported Beer (0.33 liter bottle)

$7.06 $7.06

$4.25 PEN 14.63

66.12%

Milk (1 liter)

$0.96 $0.96

$1.58 PEN 5.44

-39.24%

White Bread (500g)

$2.83 $2.83

$2.61 PEN 8.98

8.43%

Rice (white) (1kg)

$2.04 $2.04

$1.30 PEN 4.46

56.92%

Eggs

$3.01 $3.01

$2.92 PEN 10.04

3.08%

Local Cheese (1kg)

$11.52 $11.52

$9.54 PEN 32.82

20.75%

Chicken Fillets (1kg)

$10.22 $10.22

$5.71 PEN 19.66

78.98%

Beef Round Steak (1kg)

$13.87 $13.87

$9.47 PEN 32.57

46.46%

Apples (1kg)

$3.43 $3.43

$2.01 PEN 6.91

70.65%

Banana (1kg)

$1.54 $1.54

$1.02 PEN 3.52

50.98%

Oranges (1kg)

$3.67 $3.67

$1.45 PEN 4.99

153.10%

Tomato (1kg)

$2.90 $2.90

$1.49 PEN 5.14

94.63%

Potato (1kg)

$1.18 $1.18

$0.91 PEN 3.14

29.67%

Onion (1kg)

$2.22 $2.22

$0.89 PEN 3.07

149.44%

Lettuce (1 head)

$1.73 $1.73

$0.86 PEN 2.97

101.16%

Water (1.5 liter bottle)

$1.47 $1.47

$0.89 PEN 3.05

65.17%

Cigarettes 20 Pack (Marlboro, Camel)

$9.37 $9.37

$5.47 PEN 18.83

71.30%

Wine (Bottle)

$8.67 $8.67

$10.17 PEN 34.99

-14.75%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$1.81 PEN 6.21

1.66%

Imported Beer (0.33 liter bottle)

$2.22 $2.22

$3.15 PEN 10.83

-29.52%

One-way Ticket (Public Transport)

$1.97 $1.97

$0.66 PEN 2.28

198.48%

Public Transport Monthly Pass (Regular Price)

$49.67 $49.67

$31.89 PEN 110

55.75%

Taxi Start (Normal Tariff)

$6.11 $6.11

$3.43 PEN 11.79

78.13%

Taxi (Normal Tariff) (1km)

$1.84 $1.84

$1.98 PEN 6.80

-7.07%

Taxi 1hour Waiting (Normal Tariff)

$45.12 $45.12

$9.60 PEN 33.03

370.00%

Gasoline (1 liter)

$0.96 $0.96

$1.71 PEN 5.89

-43.86%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$26.1K $26.1K

$21.9K PEN 75.2K

19.38%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.0K $26.0K

$29.0K PEN 99.9K

-10.55%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$173 $173

$65.8 PEN 227

163.18%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$49.06 $49.06

$15.26 PEN 52.5

221.49%

Internet (50+ Mbps, Unlimited Data)

$65.7 $65.7

$26.87 PEN 92.5

144.36%

Gym Membership (Monthly)

$46.72 $46.72

$32.91 PEN 113

41.96%

Tennis Court (1 Hour on Weekend)

$20.12 PEN 69.2

Cinema Ticket

$13.34 $13.34

$7.12 PEN 24.49

87.36%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$818 $818

$309 PEN 1,063

164.64%

International Primary School, 1 Child (Yearly)

$16.8K $16.8K

$21.4K PEN 73.5K

-21.12%

Jeans (Levis 501 Or Similar)

$20.24 $20.24

$52.0 PEN 179

-61.06%

Summer Dress (H&M, Zara, etc)

$20.16 $20.16

$35.69 PEN 123

-43.51%

Sport Shoes (Adidas, Nike)

$88.1 $88.1

$81.8 PEN 281

7.74%

Men's Leather Business Shoes

$108 $108

$78.0 PEN 268

38.65%

1-bedroom Apartment, City Center (Monthly)

$1,639 $1,639

$727 PEN 2,501

125.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,056 $1,056

$373 PEN 1,284

183.07%

3-bedroom Apartment, City Center (Monthly)

$2,780 $2,780

$1,249 PEN 4,296

122.66%

3-bedroom Apartment, Outside City Center (Monthly)

$2,108 $2,108

$739 PEN 2,543

185.13%

Buy Apartment in City Center (m2)

$4,679 $4,679

$2,380 PEN 8,190

96.57%

Buy Apartment Outside City Center (m2)

$4,626 $4,626

$1,365 PEN 4,696

238.92%

Average Monthly Net Salary (After Tax)

$3,338 $3,338

$650 PEN 2,237

413.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

8.38

-23.39%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Fort Walton Beach, FL: November 3, 2026

Last update for Lima: October 31, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Fort Walton Beach, FL

$1.1K 48.8%

Lima

$373 35.8% 64.7% $683

Groceries & Markets

Fort Walton Beach, FL

$305 14.1%

Lima

$228 21.9% 25.1% $76

Monthly Utilities & Internet

Fort Walton Beach, FL

$288 13.3%

Lima

$108 10.4% 62.5% $180

Eating Out

Fort Walton Beach, FL

$262 12.1%

Lima

$127 12.2% 51.6% $135

Clothing & Footwear

Fort Walton Beach, FL

$106 4.9%

Lima

$111 10.7% 4.6% $4.9

Sport & Entertainment

Fort Walton Beach, FL

$73 3.4%

Lima

$47 4.5% 35.8% $26

Getting Around

Fort Walton Beach, FL

$73 3.4%

Lima

$48 4.6% 34.3% $25

Cost Breakdown

A central one-bedroom costs $1,639 in Fort Walton Beach, FL versus $727 in Lima. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Fort Walton Beach, FL are about 5.1 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $81 in Fort Walton Beach, FL versus $34 in Lima. Monthly groceries follow the same trend: $305 vs $228 – making Lima the more affordable choice for daily food spending.

Good to know

🇺🇸 Fort Walton Beach, FL

🇵🇪 Lima

🕒 Local time

11:13 11:13 AM

12:13 12:13 PM

1 h ahead of Fort Walton Beach, FL

🌤 Weather

👥 Population

19,507

9,989,369 Capital

💱 Currency

United States Dollar USD $

Peruvian Sol PEN S/

📈 Exchange rate

1 USD = 0.89 EUR

1 PEN = 0.291 USD

1 PEN = 0.259 EUR

Exchange rates and currency converter

PEN, EUR to USD – United States Dollar Converter

🇵🇪 Peruvian Sol (S/)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Peruvian Sol exchange rates as of November 6, 2026: 1 USD = 3.44 PEN (1 PEN = 0.291 USD). 1 EUR = 3.86 PEN (1 PEN = 0.259 EUR).

PEN to USD in detail →

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Fort Walton Beach, FL Lima 4,830 km ≈ 7 h nonstop flight

From you

Fort Walton Beach, FL
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City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Fort Walton Beach, FL vs Lima: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,163 in Fort Walton Beach, FL, $1,042 in Lima – Lima comes out roughly 52% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,245 per month in Fort Walton Beach, FL and $1,564 in Lima. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Lima, especially for central apartments: a one-bedroom in the center costs $727 there versus $1,639 in Fort Walton Beach, FL.

Groceries cost about 33% more in Fort Walton Beach, FL, though the gap depends on what you buy.

A mid-range dinner for two costs $81 in Fort Walton Beach, FL and $34 in Lima. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Lima, where all-in costs run around $1,042, than in Fort Walton Beach, FL at $2,163. In Lima it covers expenses comfortably, while in Fort Walton Beach, FL it requires careful planning or may not stretch far enough.

Families tend to lean toward Lima – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Lima. If higher salaries or specific career opportunities are the priority, Fort Walton Beach, FL makes more sense. Both are solid long-term options with distinct trade-offs.