10 Cheapest cities to Live in Florida (New 2024)
Key takeaways
Florida, renowned for its pristine beaches, diverse culture, and vibrant nightlife, has always been a coveted haven for many. However, Florida grapples with the reality of high living costs in many of its cities. The state's rich history, from its indigenous past to its role as a global hub for commerce and culture, has shaped its vast landscapes. These range from bustling urban centers to tranquil beachside communities. This vast expanse of varying lifestyles and amenities brings with it a spectrum of living costs.
The good news is, the Sunshine State also offers a variety of affordable cities, where the cost of living is surprisingly affordable. Venture beyond the tourist-laden areas, and you'll find cities where both locals and newcomers are reaping the benefits of affordable living, without sacrificing the quintessential Florida experience.
These aren't just about low prices but also about quality living. All of these cities have homes well below the national average. Here, the dream of enjoying the quintessential Florida lifestyle without breaking the bank is very much alive. From coastal towns with a hint of old-world charm to inland communities brimming with cultural activities, these cities offer a promising life that won't empty your pockets.
1. Bartow
Bartow, the county seat of Polk County in central Florida, is one of Florida's hidden gems when it comes to the most affordable places for living. With a population of around 19,000, Bartow offers a small-town atmosphere that is both charming and welcoming. A great place to enjoy the beauty that Florida has to offer with a reasonable cost of living.
- Median Home Price: $317,995
- Trending: Strong Upward (+16.9% YoY)
Our take
Besides the affordability (Bartow home prices are well below the national average), Bartow is a charming city rich in history and culture, hosting several annual events and festivals that celebrate the city's heritage and community spirit. Additionally, its proximity to Lakeland and Tampa provides residents with easy access to bigger city amenities while living cost-effectively.
The city boasts a range of parks, outdoor activities, and family-friendly attractions, offering both residents and visitors a delightful mix of nature, history, and community camaraderie.
2. Ocala
Nestled in Marion County in central Florida, Ocala is known for its majestic oak trees, horse farms, and peaceful living.
- Median Home Price: $275,000
- Trending: Strong Downward (-8.8% YoY)
Our take
Ocala also offers a thriving downtown area filled with boutiques, restaurants, and historic sites. The city’s proximity to Gainesville and the University of Florida opens up various educational and employment opportunities, making it a pragmatic choice for both families and individuals seeking affordable living.
For nature lovers and adventure seekers, the city is a goldmine of hiking trails, freshwater springs, and unique flora and fauna, making it a paradise for outdoor enthusiasts.
3. Jacksonville
Jacksonville, or Jax as locals call it, stands out as one of the most affordable coastal cities in Florida. Also, below the national average for home prices.
- Median Home Price: $301,995
- Trending: Upward (+.7% YoY)
Our take
Besides the budget-friendly living, Jacksonville boasts a robust job market, especially in the healthcare, finance, and logistics sectors. The city’s sprawling parks, historic neighborhoods, and the scenic St. Johns River offer a balanced lifestyle that combines urban living with a touch of nature.
With an array of museums, theaters, music festivals, and art galleries, Jax ensures that its residents have a thriving arts and culture scene to indulge in, all year round.
4. Titusville
Titusville, the gateway to the space coast, offers an affordable living option with a celestial view.
- Median Home Price: $285,000
- Trending: Downward (-1.7% YoY)
Our take
Titusville's affordability doesn't compromise the quality of life as residents enjoy watching rocket launches, exploring the Kennedy Space Center, and relaxing at nearby beaches. The city's expanding aerospace sector also presents growing employment opportunities.
With its close ties to space exploration, residents often find themselves attending educational workshops, star-gazing events, and space-themed festivals, giving them a unique living experience like no other in Florida.
5. Lake Alfred
Lake Alfred is a quaint city where safety and affordability go hand in hand.
- Median Home Price: $327,064
- Trending: Upward (+3.8% YoY)
Our take
Lake Alfred's location, nestled among a cluster of beautiful lakes, adds a serene touch to the everyday living experience. The lake city's low crime rate and the charm of a small-town make it a desirable place for those looking for tranquility without straining their finances.
Farmers' markets, craft fairs, and community picnics are frequent, ensuring that residents always have a way to bond and be involved.
6. Arcadia
Arcadia, with its inviting community and low housing rates, is indeed a haven of affordable places and for cost-conscious residents.
- Median Home Price: $232,600
- Trending: Downward (-1.0% YoY)
Our take
Besides the affordable living, Arcadia's historic downtown, antique shops, and rodeo arena add a unique flavor to the city's lifestyle. The monthly Arcadia Antiques Fair is a local highlight, offering a delightful shopping experience for antique enthusiasts.
Throughout the year, local events, farmer markets, and community-driven festivals ensure that everyone feels like a part of this close-knit city.
7. Daytona Beach
South Daytona offers a mix of low living costs and a strong local economy.
- Median Home Price: $282,500
- Trending: Strong Upward (+13.1% YoY)
Our take
The city's proximity to Daytona Beach provides residents with access to beachfront resorts, Daytona International Speedway, and affordable city and vibrant nightlife, all while enjoying a more relaxed and cost-effective living environment.
South Daytona, while connected to its more renowned neighbor, has its charm. Locals indulge in fishing, kayaking, and numerous waterfront activities, fostering a sense of community that's both active and laid-back.
8. Dade City
Dade city is a nature lover's paradise known for its natural springs and wildlife parks.
- Median Home Price: $341,990 +2.2% YoY
- Trending: Upward (+2.2% YoY)
Our take
Dade City is famous for its manatee population, offering a unique living experience. Besides, the affordable housing options in Dade, the affordable city makes itself a viable choice for those looking cheapest places to live and enjoy Florida's natural beauty on a budget.
Dade City's commitment to nature conservation is evident in its numerous nature reserves and parks. Residents take pride in volunteering for community-driven conservation initiatives, making it a city that not only lives in harmony with nature but also actively protects it.
9. Port Charlotte
Port Charlotte makes it into our top 10 affordable cities, and is a haven for water enthusiasts, with its extensive canal network and waterfront living opportunities.
- Median Home Price: $315,000
- Trending: Upward (+5.0% YoY)
Our take
Life in Port Charlotte extends beyond its canals. The city is also home to a rich performing arts scene, with theaters and community centers hosting a range of plays, musicals, and cultural performances, ensuring that residents have a healthy dose of culture.
The city's position on the Peace River estuary invites a plethora of outdoor activities. Local parks and nature reserves further enhance the city's commitment to environmental conservation and outdoor recreation, offering a harmonious blend of cultural and natural pursuits for its inhabitants.
10. Vero Beach
Vero Beach, often termed as the "Gateway to the Tropics," is known for its beautiful beaches and s rich cultural scene.
- Median Home Price: $357,000
- Trending: Upward (+2.0% YoY)
Our take
The city offers a blend of affordability and a coastal lifestyle, with various cultural events, museums amusement parks, and art galleries, making it a budget-friendly yet culturally rich place to reside in Florida.
Vero Beach isn't just about the sea; it's also about its rich agricultural heritage. With numerous citrus groves and farms, residents often find themselves attending fruit festivals, farm-to-table events, and agricultural fairs, connecting them deeply to the land they live on.
Note on Data Sourcing: The information presented in this content has been meticulously sourced from Redfin Housing Data. Redfin is recognized for its comprehensive and accurate real estate and housing datasets, which undergo rigorous quality checks. Our reliance on Redfin ensures that our readers receive precise and up-to-date insights pertaining to the housing market.
