Multi-State Financial Cost Comparison 2026: Insurance, Mortgage, Solar & Debt by City

Summary

Financial costs vary significantly across states and cities. Auto insurance ranges from $130/month in Charlotte (NC) to $380/month in Miami (FL); 30-year mortgage rates range from 6.75% in Tallahassee to 7.50%+ in Miami and Los Angeles; solar installation costs net of the 30% federal tax credit range from $12,600 in Phoenix (AZ) to $24,500 in Los Angeles (CA); and debt settlement programs reduce unsecured balances by 40–60% in all six states. This page aggregates city-specific data from Dreamy Leads' 330+ guide research network across FL, TX, CA, GA, NC & AZ for journalists, bloggers, and researchers to cite freely.

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All data on this page is free to use in articles, reports, and research. When citing, please attribute: Dreamy Leads (dreamyleads.com/florida-cost-comparison-2026.html) — Multi-State Financial Cost Comparison 2026. Media inquiries: Dreamy@dreamyleads.com

Key Findings at a Glance

Insurance

$128–$380/mo

Full coverage — Charlotte NC (lowest) to Miami FL (highest)

$62–$155/mo

Min coverage — Pensacola FL to Los Angeles CA

Mortgage

6.75–7.50%

30-year fixed rate range across all 6 states

$210K–$1.2M+

Median home price — Columbus GA (lowest) to San Jose CA (highest)

Solar

$2.10–$4.05/W

Installed $/watt — AZ (lowest) to CA (highest)

5–12 yrs

Payback — FL & AZ fastest (5–7 yrs); CA extends to 9–12 yrs under NEM 3.0

Debt Relief

40–60%

Avg unsecured balance reduction via settlement — all 6 states

24–48 months

Typical program timeline across FL, TX, CA, GA, NC & AZ

Auto Insurance Rates by City — FL · TX · CA · GA · NC · AZ 2026

Average monthly premiums for minimum and full coverage. Minimums vary by state: FL requires PIP+PDL; TX, CA, GA, NC, AZ require liability coverage only.

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City	County	Min Coverage/mo	Full Coverage/mo	Top Carrier	Guide
Florida — 16 cities▾
MiamiHighest	Miami-Dade	$110–$155	$270–$380	State Farm	View →
Fort Lauderdale	Broward	$100–$140	$235–$330	Progressive	View →
West Palm Beach	Palm Beach	$105–$145	$230–$320	GEICO	View →
Boca Raton	Palm Beach	$100–$140	$225–$315	GEICO	View →
Tampa	Hillsborough	$85–$120	$220–$310	State Farm	View →
Clearwater	Pinellas	$85–$120	$200–$280	State Farm	View →
Sarasota	Sarasota	$85–$118	$200–$280	GEICO	View →
St. Petersburg	Pinellas	$84–$118	$190–$270	Progressive	View →
Orlando	Orange	$82–$115	$190–$270	GEICO	View →
Fort Myers	Lee	$82–$115	$195–$270	State Farm	View →
Cape Coral	Lee	$80–$112	$190–$265	Progressive	View →
Lakeland	Polk	$78–$110	$180–$250	GEICO	View →
Jacksonville	Duval	$72–$105	$175–$245	GEICO	View →
Gainesville	Alachua	$70–$100	$160–$225	State Farm	View →
Tallahassee	Leon	$68–$98	$165–$230	GEICO	View →
Pensacola	Escambia	$62–$95	$155–$220	GEICO	View →
Texas — 4 cities▾
Houston	Harris	$90–$130	$175–$240	State Farm	View →
Dallas	Dallas	$88–$125	$170–$235	Progressive	View →
Austin	Travis	$80–$115	$158–$222	GEICO	View →
San Antonio	Bexar	$78–$112	$152–$215	State Farm	View →
California — 4 cities▾
Los Angeles2nd Highest	Los Angeles	$105–$155	$210–$295	GEICO	View →
San Diego	San Diego	$95–$138	$190–$265	Progressive	View →
Sacramento	Sacramento	$85–$120	$172–$240	State Farm	View →
San Jose	Santa Clara	$90–$130	$180–$252	GEICO	View →
Georgia — 4 cities▾
Atlanta	Fulton	$78–$112	$158–$225	State Farm	View →
Savannah	Chatham	$72–$102	$145–$205	GEICO	View →
Augusta	Richmond	$68–$98	$138–$195	Progressive	View →
Columbus	Muscogee	$65–$95	$132–$188	State Farm	View →
North Carolina — 4 cities▾
CharlotteMost Affordable	Mecklenburg	$62–$90	$128–$180	NC Farm Bureau	View →
Raleigh	Wake	$60–$88	$122–$172	State Farm	View →
Durham	Durham	$62–$90	$125–$175	GEICO	View →
Greensboro	Guilford	$60–$87	$120–$170	Progressive	View →
Arizona — 4 cities▾
Phoenix	Maricopa	$72–$105	$145–$205	State Farm	View →
Tucson	Pima	$68–$98	$138–$195	GEICO	View →
Scottsdale	Maricopa	$70–$102	$142–$200	Progressive	View →
Mesa	Maricopa	$70–$100	$140–$198	State Farm	View →

Mortgage Rates & Home Prices by City — FL · TX · CA · GA · NC · AZ 2026

30-year fixed rate range for well-qualified borrowers. Median prices are approximate 2026 estimates.

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City	30Y Fixed Rate	Median Home Price	FHA Limit	Monthly Payment*	Guide
Florida — 16 cities▾
MiamiPriciest FL	6.90%–7.50%	$575,000+	$776,150	~$3,600+	View →
Sarasota	6.85%–7.35%	$450,000	$524,225	~$2,800	View →
West Palm Beach	6.88%–7.38%	$445,000	$524,225	~$2,780	View →
Fort Lauderdale	6.90%–7.40%	$420,000	$524,225	~$2,620	View →
Boca Raton	6.90%–7.40%	$415,000 (condo)	$524,225	~$2,590	View →
Tampa	6.85%–7.35%	$395,000	$524,225	~$2,470	View →
Orlando	6.80%–7.30%	$360,000	$524,225	~$2,240	View →
Cape Coral	6.80%–7.30%	$360,000	$524,225	~$2,240	View →
Fort Myers	6.80%–7.30%	$355,000	$524,225	~$2,210	View →
Clearwater	6.82%–7.32%	$345,000	$524,225	~$2,150	View →
St. Petersburg	6.80%–7.30%	$340,000	$524,225	~$2,120	View →
Lakeland	6.78%–7.28%	$300,000	$524,225	~$1,865	View →
Jacksonville	6.75%–7.25%	$310,000	$524,225	~$1,930	View →
Gainesville	6.75%–7.20%	$285,000	$524,225	~$1,770	View →
Tallahassee	6.75%–7.20%	$295,000	$524,225	~$1,840	View →
PensacolaMost Affordable FL	6.75%–7.20%	$270,000	$524,225	~$1,680	View →
Texas — 4 cities▾
Houston	6.82%–7.32%	$310,000	$524,225	~$1,930	View →
Dallas	6.82%–7.32%	$385,000	$524,225	~$2,400	View →
Austin	6.85%–7.35%	$520,000	$571,550	~$3,240	View →
San Antonio	6.78%–7.28%	$295,000	$524,225	~$1,840	View →
California — 4 cities▾
San JosePriciest	6.90%–7.50%	$1,200,000+	$1,149,825	~$7,500+	View →
Los Angeles	6.90%–7.50%	$750,000+	$1,149,825	~$4,700+	View →
San Diego	6.90%–7.45%	$820,000	$1,006,250	~$5,120	View →
Sacramento	6.82%–7.32%	$450,000	$763,600	~$2,810	View →
Georgia — 4 cities▾
Atlanta	6.80%–7.30%	$380,000	$649,750	~$2,370	View →
Savannah	6.78%–7.28%	$320,000	$524,225	~$1,995	View →
Augusta	6.75%–7.25%	$250,000	$524,225	~$1,560	View →
ColumbusMost Affordable GA	6.75%–7.25%	$210,000	$524,225	~$1,310	View →
North Carolina — 4 cities▾
Raleigh	6.80%–7.30%	$420,000	$571,550	~$2,620	View →
Charlotte	6.78%–7.28%	$380,000	$524,225	~$2,370	View →
Durham	6.78%–7.28%	$385,000	$524,225	~$2,400	View →
Greensboro	6.75%–7.25%	$285,000	$524,225	~$1,780	View →
Arizona — 4 cities▾
ScottsdalePriciest AZ	6.82%–7.32%	$650,000	$530,150	~$4,060	View →
Phoenix	6.80%–7.30%	$380,000	$530,150	~$2,370	View →
Mesa	6.80%–7.30%	$385,000	$530,150	~$2,400	View →
TucsonMost Affordable AZ	6.78%–7.28%	$295,000	$524,225	~$1,840	View →

*Estimated P&I on 10% down at midpoint rate. Excludes taxes, insurance, HOA.

Solar Panel Installation Costs by City — FL · TX · CA · GA · NC · AZ 2026

8–10 kW residential system. Net cost = after 30% federal Residential Clean Energy Credit.

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City	Gross Cost	Net After 30% ITC	Avg $/Watt	Payback Period	Utility	Guide
Florida — 16 cities▾
MiamiBest ROI FL	$23,000–$32,000	$16,100–$22,400	$2.70–$3.40	5–7 yrs	FPL	View →
Fort Lauderdale	$22,500–$31,000	$15,750–$21,700	$2.65–$3.35	5–7 yrs	FPL	View →
Boca Raton	$22,500–$31,000	$15,750–$21,700	$2.65–$3.35	5–7 yrs	FPL	View →
Cape Coral	$21,000–$29,000	$14,700–$20,300	$2.55–$3.20	5–7 yrs	FPL	View →
West Palm Beach	$22,000–$30,500	$15,400–$21,350	$2.60–$3.30	6–8 yrs	FPL	View →
Fort Myers	$21,000–$29,000	$14,700–$20,300	$2.55–$3.20	6–8 yrs	FPL	View →
Sarasota	$22,000–$30,000	$15,400–$21,000	$2.60–$3.30	6–8 yrs	FPL	View →
Tampa	$22,000–$30,000	$15,400–$21,000	$2.60–$3.30	6–8 yrs	TECO / Duke	View →
St. Petersburg	$21,500–$29,500	$15,050–$20,650	$2.55–$3.25	6–8 yrs	Duke Energy	View →
Clearwater	$21,500–$29,500	$15,050–$20,650	$2.55–$3.25	6–8 yrs	Duke Energy	View →
Orlando	$21,000–$29,000	$14,700–$20,300	$2.50–$3.20	6–8 yrs	Duke Energy	View →
Jacksonville	$20,000–$27,000	$14,000–$18,900	$2.45–$3.10	6–9 yrs	JEA / Duke	View →
Lakeland	$20,500–$28,000	$14,350–$19,600	$2.50–$3.15	7–9 yrs	Duke Energy	View →
Tallahassee	$20,000–$27,500	$14,000–$19,250	$2.45–$3.10	7–9 yrs	TALQUIN Electric	View →
Pensacola	$19,500–$27,000	$13,650–$18,900	$2.40–$3.05	7–9 yrs	Gulf Power / AES	View →
Gainesville	$19,500–$27,000	$13,650–$18,900	$2.40–$3.05	7–9 yrs	GRU	View →
Texas — 4 cities▾
Houston	$19,000–$26,000	$13,300–$18,200	$2.25–$2.95	8–11 yrs	Oncor / CPS Energy	View →
Dallas	$18,500–$25,500	$12,950–$17,850	$2.20–$2.85	8–11 yrs	Oncor	View →
Austin	$19,000–$26,000	$13,300–$18,200	$2.25–$2.90	7–10 yrs	Austin Energy	View →
San Antonio	$19,000–$26,000	$13,300–$18,200	$2.25–$2.90	7–10 yrs	CPS Energy	View →
California — 4 cities▾
Los AngelesBest Value CA	$24,000–$35,000	$16,800–$24,500	$2.85–$3.95	9–12 yrs	SCE / LADWP	View →
San Diego	$25,000–$36,000	$17,500–$25,200	$2.95–$4.05	9–12 yrs	SDG&E	View →
San Jose	$23,000–$32,000	$16,100–$22,400	$2.70–$3.55	9–12 yrs	PG&E	View →
Sacramento	$22,000–$30,000	$15,400–$21,000	$2.60–$3.35	8–11 yrs	SMUD / PG&E	View →
Georgia — 4 cities▾
Atlanta	$21,000–$28,500	$14,700–$19,950	$2.50–$3.15	8–10 yrs	Georgia Power	View →
Savannah	$20,500–$28,000	$14,350–$19,600	$2.45–$3.10	9–11 yrs	Georgia Power	View →
Augusta	$20,000–$27,500	$14,000–$19,250	$2.40–$3.05	9–11 yrs	Georgia Power	View →
Columbus	$20,000–$27,000	$14,000–$18,900	$2.40–$3.00	9–12 yrs	Georgia Power	View →
North Carolina — 4 cities▾
Charlotte	$20,000–$27,500	$14,000–$19,250	$2.40–$3.10	8–10 yrs	Duke Energy Carolinas	View →
Raleigh	$20,000–$27,500	$14,000–$19,250	$2.40–$3.10	8–10 yrs	Duke Energy Progress	View →
Durham	$19,500–$27,000	$13,650–$18,900	$2.35–$3.05	8–11 yrs	Duke Energy Progress	View →
Greensboro	$19,500–$27,000	$13,650–$18,900	$2.35–$3.05	8–11 yrs	Duke Energy Carolinas	View →
Arizona — 4 cities▾
PhoenixFastest Payback	$18,000–$25,000	$12,600–$17,500	$2.15–$2.80	5–7 yrs	APS / SRP	View →
Tucson	$17,500–$24,000	$12,250–$16,800	$2.10–$2.70	5–7 yrs	TEP / APS	View →
Scottsdale	$18,000–$25,000	$12,600–$17,500	$2.15–$2.80	5–7 yrs	APS / SRP	View →
Mesa	$18,000–$25,000	$12,600–$17,500	$2.15–$2.80	5–7 yrs	SRP / APS	View →

Debt Relief Programs by City — FL · TX · CA · GA · NC · AZ 2026

Unsecured debt (credit cards, medical bills, personal loans). All figures are estimates based on industry averages.

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City	Min Debt (Settlement)	Avg Balance Reduction	Program Timeline	Regulator	Guide
Florida — 16 cities▾
Miami	$7,500	40–60%	24–48 months	FL OFR	View →
Fort Lauderdale	$7,500	40–60%	24–48 months	FL OFR	View →
Tampa	$7,500	40–60%	24–48 months	FL OFR	View →
Orlando	$7,500	40–55%	24–48 months	FL OFR	View →
Jacksonville	$7,500	40–55%	24–48 months	FL OFR	View →
St. Petersburg	$7,500	40–55%	24–48 months	FL OFR	View →
West Palm Beach	$7,500	40–55%	24–48 months	FL OFR	View →
Boca Raton	$7,500	40–55%	24–48 months	FL OFR	View →
Sarasota	$7,500	38–55%	24–48 months	FL OFR	View →
Clearwater	$7,500	38–55%	24–48 months	FL OFR	View →
Cape Coral	$7,500	38–55%	24–48 months	FL OFR	View →
Fort Myers	$7,500	38–55%	24–48 months	FL OFR	View →
Lakeland	$7,500	38–55%	24–48 months	FL OFR	View →
Gainesville	$7,500	38–55%	24–48 months	FL OFR	View →
Tallahassee	$7,500	38–52%	24–48 months	FL OFR	View →
Pensacola	$7,500	38–52%	24–48 months	FL OFR	View →
Texas — 4 cities▾
Houston	$7,500	40–60%	24–48 months	TX OCC	View →
Dallas	$7,500	40–60%	24–48 months	TX OCC	View →
Austin	$7,500	38–58%	24–48 months	TX OCC	View →
San Antonio	$7,500	38–58%	24–48 months	TX OCC	View →
California — 4 cities▾
Los Angeles	$7,500	40–60%	24–48 months	CA DFPI	View →
San Diego	$7,500	40–60%	24–48 months	CA DFPI	View →
Sacramento	$7,500	38–58%	24–48 months	CA DFPI	View →
San Jose	$7,500	38–58%	24–48 months	CA DFPI	View →
Georgia — 4 cities▾
Atlanta	$7,500	40–58%	24–48 months	GA DBF	View →
Savannah	$7,500	38–55%	24–48 months	GA DBF	View →
Augusta	$7,500	38–55%	24–48 months	GA DBF	View →
Columbus	$7,500	38–55%	24–48 months	GA DBF	View →
North Carolina — 4 cities▾
Charlotte	$7,500	40–58%	24–48 months	NC DOJ	View →
Raleigh	$7,500	40–58%	24–48 months	NC DOJ	View →
Durham	$7,500	38–55%	24–48 months	NC DOJ	View →
Greensboro	$7,500	38–55%	24–48 months	NC DOJ	View →
Arizona — 4 cities▾
Phoenix	$7,500	40–58%	24–48 months	AZ DIFI	View →
Tucson	$7,500	38–55%	24–48 months	AZ DIFI	View →
Scottsdale	$7,500	38–55%	24–48 months	AZ DIFI	View →
Mesa	$7,500	38–55%	24–48 months	AZ DIFI	View →

Methodology & Data Sources

All data reflects 2026 research compiled by Dreamy Leads' editorial research team across FL, TX, CA, GA, NC, and AZ. Rate ranges represent typical quotes for standard consumer profiles (clean driving record, 700+ credit score, owner-occupied property) and should be used as directional benchmarks, not individual rate guarantees.

Insurance rates: Based on state insurance department market data, carrier filings, and comparison quotes for a standard 35-year-old driver with a clean record across FL (FLOIR), TX (TDI), CA (CDI), GA (OIS), NC (NCDOI), and AZ (DIFI).
Mortgage rates: Reflect prevailing 30-year fixed rates for well-qualified borrowers (740+ credit, 10–20% down) as of Q1 2026. Individual rates vary based on LTV, credit profile, and lender.
Solar costs: Based on installer quotes and NREL cost benchmarks for standard 8–10 kW residential systems. Net costs apply the 30% federal Residential Clean Energy Credit (Form 5695). California payback periods reflect NEM 3.0 (effective April 2023 for SCE, SDG&E, and PG&E), which reduced export compensation rates significantly; Sacramento (SMUD) uses a separate net metering program with more favorable terms.
FHA loan limits: Standard area limits reflect HUD's published 2026 floor of $524,225. High-cost area limits vary by county; verify current figures at hud.gov.
Debt relief: Settlement percentages are industry averages from AFCC and NFCC member data. Individual results vary based on creditor, debt type, and financial hardship documentation.
Home prices: Approximate 2026 medians based on Zillow Research, state Realtor associations, and NAR data. Not guaranteed; consult a licensed Realtor in your state for current listings.