2026 Compare Cities Cost of Living:
Prospect, KY vs Fernandina Beach, FL

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Highlights
Is it cheaper to live in Fernandina Beach or is it cheaper to live in Prospect?
- Fernandina Beach is 22.8% more expensive than Prospect.

Which city has more affordable housing, Fernandina Beach or Prospect?
- Fernandina Beach housing costs are 9.9% less expensive than Prospect housing costs.

Is Health Care more affordable in Prospect or is Health Care more affordable in Fernandina Beach.
- Health related expenses are 15.6% more in Fernandina Beach.
 Prospect, KYFernandina Beach, FLUnited States
 Overall  Unlock110.3100
 Food & Groceries105.7  Unlock100
 Health  Unlock109.6100
 Housing167.1  Unlock100
 Median Home Cost  Unlock$556,300$338,100
 Utilities92  Unlock100
 Transportation  Unlock98.4100
 Miscellaneous90.3  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Prospect    3 Reviews

Over 18 years ago

Although housing is more expensive than most other cities in Kentucky, as are the real estate taxes it is worth it for the piece of mind and the great schools. Otherwise  More

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Quick response to what was posted. I would say her post is inaccurate except for the part about taxes. People are friendlier and more laid back than the people up  More

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Everything is relative as the saying goes, but we transplanted here from Germantown, TN (which we loved)to Prospect, KY (suburb of Louisville). We find the people are  More

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Reviews for Fernandina Beach    8 Reviews

We traveled the entire east and west coasts of Florida and the entire east coast of Georgia. We LOVED St. Marys GA. but decided on Amelia Island... Mainly because AI has  More

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Over 6 years ago

There is no place in Florida like Amelia Island, Fernandina Beach. The beach is beautiful.. But, best of all are the people. Real Southern hospitality... Southern charm  More

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Over 12 years ago

Came back to Fernandina after a long hiatus. Fernandina has always been a magical place, but many things are getting better. The restaurant scene has improved  More

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