SKN | Florida’s Redrawn 25th District Puts Housing and Cost-of-Living Policies at the Center of the 2026 Race

The cost of living has become a central issue in Florida’s newly redrawn 25th Congressional District, where Democratic incumbent Jared Moskowitz and Republican Scott Singer are competing in the November 3, 2026 general election. The district is structurally different from the one either candidate previously sought to represent, making housing affordability and household expenses particularly relevant to a South Florida electorate.

The new district combines portions of the former 23rd, 24th and 25th districts and runs along the Atlantic coast from Boca Raton toward Miami Beach. Ballotpedia reports that 46% of its population comes from the former 23rd District, 30% from the former 24th and 16% from the former 25th.

The Public Assumption

The broad political argument is straightforward: South Florida households are paying more for housing and other necessities, so the next representative should have a plan to reduce those pressures.

The disagreement is over which levers are most effective.

Moskowitz has emphasized direct household costs, particularly property insurance and housing affordability. His campaign points to more than 1,000 affordable housing units he advocated for while serving on the Broward County Commission and identifies insurance costs as a major South Florida affordability issue.

Singer has emphasized a supply-and-growth approach. Drawing on his tenure as Boca Raton mayor, he has argued that infrastructure investment, attracting higher-paying employers and reducing regulatory barriers can contribute to lower costs and stronger household finances.

The Economic Breakdown

Housing is a particularly important component of the debate because South Florida’s cost structure extends well beyond the mortgage payment. Property insurance, taxes, maintenance and, for condominium owners, association expenses can materially affect the monthly cost of owning a home.

Moskowitz’s approach places greater emphasis on addressing those direct costs and increasing affordable housing supply. His campaign identifies housing affordability and economic hardship among the issues he intends to address in Congress.

Singer’s approach focuses more heavily on the economic conditions that determine household income and the supply of goods and services. His record and campaign messaging emphasize infrastructure investment, business attraction and policies intended to encourage companies and higher-paying workers to locate in South Florida.

The distinction matters because reducing housing costs through additional supply operates differently from reducing an existing homeowner’s insurance bill. The former depends on land, permitting, financing and construction; the latter depends on insurance-market conditions, claims costs, regulation and risk exposure.

The Hidden Picture

The redrawn district itself adds another layer to the economic debate. Cook Political Report currently lists FL-25 as a competitive race and describes the district as a narrow Atlantic-coast district running from Boca Raton to Miami Beach.

The candidates also differ over federal tax policy. Singer has highlighted provisions of the federal tax legislation passed in 2025 involving tips, overtime and Social Security, while criticizing Moskowitz’s opposition to the legislation. Those are political claims about the effects of the law and should be evaluated against the legislation’s actual provisions and individual household circumstances.

Moskowitz, meanwhile, has framed affordability as a broad household issue encompassing groceries, housing, insurance, transportation and other recurring expenses. His campaign’s emphasis on property insurance is particularly relevant to South Florida homeowners because insurance costs can change the affordability of an otherwise unchanged property.

The underlying economic question is therefore broader than which candidate promises lower costs. It is whether federal policy can materially influence the combination of housing supply, insurance expenses, household income, taxation and infrastructure that determines what South Florida residents actually pay.

Closing

With the same affordability problem producing two different policy approaches, the question for voters is not simply who promises lower costs—but which specific mechanism they believe can change the household expenses they face in the 25th District?