Its sea-level elevation, coastal location, position just above the Tropic of Cancer, and proximity to the Gulf Stream shape its climate. South Florida has a tropical climate, according to the Köppen climate classification.
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One, peninsulas are naturally warmer than mainlands because the adjacent water absorbs the sun's warmth and heats up the land it surrounds. And two, Florida's land is 75% coastal and as air moves across the warm water it picks up heat and water vapors, making Florida the most humid in the country.
By 2050, people in Miami are projected to experience an average of about 88 days per year over 92.4ºF. Climate change is increasing the frequency and intensity of heat waves, even in places with cooler average temperatures. See more information on heat risk.
The cost of living in Miami is 20% higher than the national average, which isn't too bad if you're coming from high-cost-of-living cities like New York, D.C., and San Francisco. It is a big jump if you're moving locally or from a smaller city.