Cheapest Place to Live in Florida: Unveiling Affordable Gems

Florida cheapest cities

Florida, known for its beautiful beaches, vibrant culture, and warm climate, entices many people looking to relocate while maintaining an affordable cost of living. Finding the perfect balance between an enjoyable lifestyle and low expenses can be challenging. However, various cities and towns in the Sunshine State offer diverse living experiences at a reasonable price.

In this article, we explore some of the cheapest places to live in Florida without compromising on the quality of life. From charming small towns to bustling cities, these locations cater to a wide range of interests and preferences, providing residents with access to amenities like parks, restaurants, and shopping areas.

Whether you’re looking for a peaceful retreat or a lively urban landscape, Florida has an affordable option that suits your needs. As you read on, you’ll discover the unique characteristics and features that make each of these locations stand out in their own way, giving you the opportunity to choose the best fit for your lifestyle and budget.

Understanding Florida’s Cost of Living

Florida is a popular destination for its warm climate, beautiful beaches, and diverse culture. To get a better understanding of the cost of living in Florida, it’s crucial to consider several factors such as housing, transportation, utilities, food, healthcare, and taxes.

Housing: This is often the most considerable expense for residents. The median home price in Bartow, one of the cheapest places to live in Florida, is around $243,669, while the median rent is about $848 per month. In contrast, larger cities like Jacksonville have a slightly higher cost of living, but are still considered affordable.

Transportation: Florida’s public transportation system varies across the state, with larger cities like Tampa and Orlando offering more options. Gas prices and car insurance rates also play a role in transportation expenses. Residents in suburban areas often rely on their cars, which may increase their spending on transportation.

Utilities: Utility costs in Florida are usually lower due to the warmer climate, resulting in less energy consumption for heating. However, air conditioning during hot summer months can lead to higher electricity bills. Other utilities like water, sewage, and trash collection are also necessary expenses to consider.

Food: Florida residents enjoy a variety of food options, including fresh fruits and vegetables year-round. The cost of groceries can vary by location, with larger cities typically having higher food costs than smaller towns. Eating out and entertainment expenses should also be factored into the budget.

Healthcare: Florida has a mix of public and private healthcare providers, with insurance costs and out-of-pocket expenses likely to vary. It’s essential to understand your insurance options, whether it’s provided by employers or obtained privately.

Taxes: Florida is renowned for its lack of state income tax, making it an attractive destination for retirees and job seekers alike. However, property and sales taxes still exist and can impact the overall cost of living.

In conclusion, the cost of living in Florida varies depending on factors such as location, size of the city, and personal lifestyle choices. It’s crucial to assess your budget and prioritize essential expenses. By understanding the cost of living in Florida, you can make informed decisions about where to live in this beautiful state.

Cheapest Places in Northern Florida


Jacksonville, located on the northeast coast of Florida, offers an affordable cost of living and a variety of lifestyle options for residents. The city boasts a range of housing options, from historic neighborhoods to modern condominiums, all at competitive prices compared to other Florida cities. The median home value in Jacksonville is lower than the national average, making it an attractive option for those seeking affordable living.

In addition to the reasonable housing prices, residents in Jacksonville can also enjoy various outdoor activities and a strong job market. The city has numerous parks, beaches, and a bustling downtown area, providing endless opportunities for recreational activities. Furthermore, Jacksonville is home to a growing number of industries, offering diverse employment opportunities for residents.


Tallahassee, the capital city of Florida, is known for its strong education system, outdoor activities, and low commute times. While the city is not directly on the coast, it boasts beautiful parks and hiking trails for nature lovers. Tallahassee’s cost of living is relatively low, with affordable housing options available to those who want to call this city home.

One downside to living in Tallahassee is the rising housing costs, partly due to the presence of major universities and the state government. However, the overall cost of living remains reasonable, particularly when compared to other cities in Florida.

In summary, Jacksonville and Tallahassee are two affordable cities to live in Northern Florida that offer a mix of quality of life attributes and reasonable costs.

Cheapest Places in Central Florida

In this section, we will discuss two affordable cities in Central Florida: Ocala and Gainesville. Both cities offer lower costs of living while also providing a safe and comfortable environment for residents.


Ocala is an attractive option for those seeking a cheaper place to live in Central Florida. The city boasts a lower cost of living than the national average, making it a popular choice among those looking for affordable housing options. Ocala is known for its picturesque landscapes, horse farms, and thriving arts and culture scene.

Some highlights of Ocala include:

  • Cost of living: significantly lower than the national average.
  • Median home price: about $156,000, which is below the national average.
  • Rent: the average rent in Ocala is around $1000 per month, offering relatively affordable housing options.
  • Amenities: Ocala offers a wide range of recreational activities like outdoor sports, arts and culture events, and family-friendly attractions.


Gainesville is another excellent choice for those looking for affordable living in Central Florida. The city is home to the University of Florida, which contributes to its vibrant atmosphere and diverse population. Gainesville’s cost of living is relatively low compared to other cities in Florida and the national average.

Key features of Gainesville include:

  • Cost of living: slightly below the national average.
  • Median home price: approximately $174,000, which is also lower than the national average.
  • Rent: the average rent for an apartment in Gainesville is about $1,200 per month.
  • Amenities: Gainesville has numerous parks, nature preserves, and cultural institutions, offering plenty of entertainment options for residents and visitors alike.

In summary, Ocala and Gainesville are both affordable options for those looking to live in Central Florida. Each city offers a lower-than-average cost of living and housing, along with a variety of amenities and attractions that cater to different lifestyles and preferences.

Cheapest Places in Southern Florida

Punta Gorda

Punta Gorda is a charming coastal city in southern Florida. With a cost of living below the U.S. average, it attracts residents looking for a more affordable lifestyle without sacrificing the beauty of Florida’s coastline. The median home price in Punta Gorda is around $267,000, while the median rent stands at approximately $1,200 per month.

The city offers a variety of amenities including restaurants, parks, and cultural activities. Additionally, Punta Gorda is known for its fishing and boating opportunities, making it a perfect destination for outdoor enthusiasts.

Palm Bay

Palm Bay, located along Florida’s Atlantic coast, is another affordable option for those seeking a more cost-effective place to live in southern Florida. The median home price in this city hovers around $245,000, while the median rent is close to $1,150 per month.

Residents of Palm Bay benefit from a variety of amenities including shopping centers, parks, and a growing arts scene. With easy access to several nearby beaches, outdoor recreation is abundant in this community. Moreover, Palm Bay’s proximity to larger cities like Orlando and Melbourne offers additional opportunities for employment and entertainment.

Comparing Cost of Living Indices

When analyzing the affordability of various cities in Florida, it’s important to consider the cost of living indices. These indices provide a way to compare the expenses in different locations, making it easier to determine which cities are the most economical choices.

The cost of living indices take into account a variety of factors, including housing costs, transportation, healthcare, groceries, and utilities. For our analysis, we’ll focus on a few cities in Florida and their cost of living index scores, which are compared to the national average. The national average is denoted as 100, and cities with scores below 100 have a lower cost of living compared to the country as a whole.

Here are a few examples of cities in Florida and their cost of living indices:

  • Bartow: A small town located between Tampa and Orlando, Bartow has a cost of living index score of -8.4%, making it one of the most affordable cities in Florida. With a median rent of $848 and a median home price of $243,669, Bartow offers affordable housing options as well as a lower overall cost of living.
  • Key West: One of the more expensive cities in Florida, Key West has a cost of living index score of 154.8, indicating that it’s around 54.8% more expensive than the national average. This is due mainly to its location as a popular tourist destination and overall higher housing costs.
  • Ponte Vedra: Another pricier option in Florida, Ponte Vedra has a cost of living index score of 117.4. This upscale area offers a premium lifestyle, but also comes with higher expenses for housing, food, and healthcare.
  • Naples: Ranking as one of the more luxurious cities in Florida, Naples has a cost of living index score of 111.9. Known for its beautiful beaches and upscale dining, Naples comes with a higher price tag compared to other cities in the state.

It’s important to remember that the cost of living indices provides a helpful comparison between cities, but individual preferences and priorities may vary. Some may prioritize lower housing costs, while others may place more importance on healthcare access or nearby amenities. By keeping these factors in mind, one can make an informed decision about the most suitable, affordable, and safe city to live in Florida.

Highlighting Local Amenities

Florida offers a variety of affordable living options for individuals and families seeking a cost-effective lifestyle. Some of the cheapest places to live in Florida include cities like Cape Coral, Dade City, and Daytona Beach. These cities provide residents with a diverse selection of amenities, making them attractive places to call home.

Cape Coral, for instance, is renowned for its 400 miles of canals, offering its residents multiple waterfront or water view properties at reasonable prices. The city has various recreational facilities, such as parks, golf courses, and nature preserves. Cape Coral is also a family-friendly city with good schools, low crime rates, and access to numerous shopping and dining options.

Dade City, considered one of the cheapest places to live in Florida, offers a balance between small-town charm and access to big-city amenities. With a median income of $29,000 and a median home price of $122,600, Dade City is an ideal choice for commuters working in Tampa. Local residents can enjoy the historic downtown area, antique shops, and quaint cafes. Additionally, Dade City hosts various festivals and weekly farmers markets, lending a sense of community to the city.

Daytona Beach is known for its beautiful beachfront and attractions such as the Daytona International Speedway. With a population of 74,427 and a median 2-bedroom apartment rent of $1,473, Daytona Beach offers an affordable coastal living experience. The city also has numerous parks and entertainment options, such as water parks, museums, and theaters.

All of these cities provide affordable living without compromising on local amenities. They offer residents access to beaches, parks, good restaurants, and shopping areas, all within a safe and vibrant community.

Florida’s Climate Impact

Florida is a popular destination for individuals and families seeking an affordable place to live. With its sunny weather, vibrant culture, and diverse communities, it’s no wonder many people are drawn to the Sunshine State. However, the cost of living and the potential impact of climate change on residents should not be overlooked.

Rising Temperatures and Energy Costs: The National Oceanic and Atmospheric Administration has reported that the temperature highs and lows in Tampa and other Florida regions have been increasing in the past decades. This trend can also be observed in the greater Tampa Bay area and Southwest Florida. As a result, residents will likely face higher electricity bills for life-saving air conditioning due to increased energy consumption.

Property Tax Revenue Decline: The impacts of climate change, such as rising sea levels, can threaten the properties in Florida’s coastal regions. This can decrease property tax revenues for affected areas, which in turn may impact public funding for essential services such as schools, police, and fire departments.

Heat-Related Health Risks: As Florida’s climate continues to heat up, the risks for heat-related health issues also increase. This could lead to a higher number of heat-related deaths and strain on the healthcare system.

Despite these climate challenges, the housing market in Florida remains strong, with cities such as Naples, Sarasota, Melbourne, Jacksonville, and Pensacola ranking high in best places to live in 2022. Nonetheless, it’s crucial for potential residents to consider the long-term climate implications while searching for the cheapest places to live in Florida.

Potential Drawbacks and Considerations

While Florida offers various cheap places to live, it is essential to consider the potential drawbacks before making a decision. One of the major concerns for residents in Florida is the state’s vulnerability to natural disasters, particularly hurricanes. As a coastal state, Florida faces the Atlantic hurricane season each year, which may lead to property damages, flooding, and power outages.

Another concern is the relatively high unemployment rate. Although the rate has dropped from 5.4% in March 2021 to 3.2% in March 2022, it remains an important factor for individuals seeking jobs. Job availability may vary across cities and industries, so thoroughly researching regional job markets is crucial for identifying suitable career opportunities.

Additionally, Florida’s tropical climate can be both an advantage and a disadvantage. While the year-round sunshine and warm weather attract many people, it also comes with high humidity and heat during the summer months. This may lead to an increased use of air conditioning, which in turn, could result in higher electricity bills. Moreover, the persistent warmth may be uncomfortable for those not accustomed to such weather conditions.

Lastly, it’s important to note that while living expenses might be relatively low in some Florida cities, the overall cost of living may still be higher than the national average. For instance, factors like higher property taxes, transportation costs, and insurance rates could offset the cheaper aspects of residing in Florida.

In conclusion, when considering the cheapest places to live in Florida, it is crucial to weigh the potential drawbacks and considerations alongside the apparent benefits. Doing so will ensure an informed decision and a smoother transition.


Taking into account the latest data on the cost of living, housing values, crime rates, and desirability, the cheapest places to live in Florida in 2023 include Jacksonville, Saint Petersburg, Cape Coral, Palm Bay, Palm Coast, Homosassa Springs, New Port Richey, Dade City, and Bartow. Each city offers its residents a wide range of benefits. For instance, Bartow can be considered a commuter’s paradise due to its proximity to Orlando and Tampa. On the other hand, Tampa is reported to be one of the most affordable places to live in Florida, considering factors like job market potential, educational attainment, and culture.

However, it is crucial to remember that Miami has been designated as the least affordable place to live in the United States, with an average monthly rent of $2930. Therefore, those looking for affordable options should carefully consider other cities in Florida.

In conclusion, finding the cheapest and safest place to live in Florida will depend on the individual’s needs and priorities. Factors such as job opportunities, commuting time, safety, and local amenities contribute to the overall quality of life in each location. By carefully researching and comparing the options available, potential residents can make an informed decision about the most suitable place for their particular circumstances.