Back To Index

If you’re thinking about making the move to where the sun always shines, and snow isn’t something to worry about, Florida could be the ideal location. Some areas of the state are much more affordable than others, but many of those locations offer the same types of benefits as destinations like Miami or Orlando. Take some time to consider what's most important to you in a place to live. The following are the most affordable places to live in Florida.

1: Bartow

• Population: 19,888
• Average home price: $268,556
• Average rent price: $1,498 per month
• Crime rate: 23.09 per 1000 residents
• Unemployment rate: 2.9%

Bartow is a smaller city noted for its beautiful citrus groves and lakes. It’s the type of place people visit a bed and breakfast and fall in love with the charm and natural beauty of the area (and often end up wanting to make it home). From the historic courthouse in the center of town to the Circle B Bar Reserve aimed at protecting local wildlife, it’s a rich and diverse area to call home. The city is also home to numerous events throughout the year, including the Bloomin’ Arts Festival and holiday decorations. The economy is one that’s still based on agriculture, though the tourism industry is growing here as well. Certainly a tucked-away community that’s off the direct waterfront, Bartow is conveniently located just a short drive from the larger cities, making it easy enough to spend some time in Orlando one weekend and Tampa the next. Still, the city itself has plenty to offer, including miles of trails through cypress swamps, fishing at one of the numerous lakes, and lots of shops and restaurants to keep you happy.

2: Ocala, Florida

• Population: 65,478
• Average home price: $277,084
• Average rent price: $1,533 per month
• Crime rate: 35.88 crimes per 1000 residents
• Unemployment rate: 3.90%

Ocala is known as horse country due to its stunning outdoor amenities, numerous equine-based trails, and some of the largest thoroughbred centers on the planet. Large pine forests, clear streams, and Silver Springs, a national landmark nature destination, are some benefits outdoor lovers will find in Ocala. The city is also a historical treasure, having played a significant role in the founding and defending of the U.S. in the Revolutionary War. It also boosts an annual high temperature of about 84 degrees, and winters have a daily average of around 59 degrees.

3: Daytona Beach

• Population: 77,958
• Average home price: $282,250
• Average rent price: $1,566 per month
• Crime rate: 38.65 per 1,000 residents
• Unemployment rate: 3.50%

Daytona Beach is an exceptional city with a high quality of life, a strong job market, and a fast-growing economy. Looking beyond that, you will find a stunning coastal city with beautiful beaches at the ready. This city sits with the Intercoastal Waterway to the west and the ocean to the east, giving you ample opportunities for sailing, fishing, and water fun. While it’s a larger city, it feels like a more intimate location, with the exception of Bike Week, which thousands of people visit on their motorcycles for a stunning display. It’s also the city for golfers, those who love history (check out the Ponce Inlet Lighthouse and Museum and the Halifax Historical Museum) and craft beer lovers. With all of the waterfront restaurants, sunsets overlooking the ocean become a common experience for many.

4: Fort Pierce

• Population: 48,305
• Average home price: $292,500
• Average rent price: $1,650 per month
• Crime rate: 24.73 per 1,000 residents
• Unemployment rate: 4.70%

Fort Pierce, noted for being the home of the National Navy SEAL museum and the Fort Pierce Inlet State Park, is a fantastic, affordable place to live in Florida. The long beach is perfect for walks and sunbathing most times of the year. The cost of living is nearly 12% lower here than it is nationally, and yet there’s so much to love including the year-round warm weather that still has four seasons and the numerous water-sports, boardwalks, and shops. The city is growing, and that’s helped to boost local transportation and the economy as a whole. Residents also find that much of Fort Pierce feels like a small town, with a walkable Main Street area and exceptional Spanish architecture. This diverse community is noted, too, for is fishing opportunities right on the ocean, especially since it was once a small fishing village.

5: Pensacola

• Population: 53,876
• Average home price: $394,500
• Average rent price: $1,491 per month
• Crime rate: 33.96 per 1,000 residents
• Unemployment rate: 2.90%

Pensacola is the westernmost city in the panhandle, which gives it all of the benefits of being within the protected area of the state with fantastic weather. The city is known for many things, including being the home for the U.S. Navy Flight Demonstration Squadron the Blue Angels, but it also serves as a hub for U.S. Naval Aviation. With many parks and walkable neighborhoods, Pensacola offers exceptional quality of life at a more affordable rate than many other Florida cities. Expect a suburban feel that also happens to have the Pensacola Beach and Perdido Key right in your backyard. If you want to live in an area with ample outdoor amenities coupled with a strong local economy, Pensacola is an excellent choice.

Each of these locations is a fantastic place to live and call home, but also consider them starting points. Spread outward from these towns to find smaller communities and highly affordable towns throughout these areas. What you will also find is that Florida’s quality of life overall is good, with ample access to healthcare, outdoor amenities, educational programs, and a thriving economy. The only question you have is what type of view you want to have out the window each morning. Before making the big move. Consider these important topics as well.

Navigating Florida's Housing Market

Florida's housing market is as diverse as its landscapes, offering everything from beachfront condos to suburban single-family homes. Understanding the nuances of the market can make a significant difference in finding your ideal home. Location, amenities, and proximity to services are crucial in determining prices. Additionally, considering whether you prefer urban centers like Miami or quieter towns like Bartow, mentioned above, can guide your search. Working with local real estate agents who understand the market can provide invaluable insights and assistance in navigating listings. Keeping an eye on market trends and being flexible in your search criteria can also increase your chances of finding the perfect home within your budget in Florida's dynamic housing market.

Weather in Florida: What You Need to Know

Florida's weather is one of its biggest attractions, with warm temperatures and ample sunshine year-round. However, it's essential to be prepared for the state's unique weather patterns, including hurricanes and tropical storms during the summer and fall. Understanding the seasonal variations can help you plan accordingly, whether moving to the panhandle or the southern tip of the state. Investing in hurricane-resistant home features, such as impact windows and reinforced doors, can provide peace of mind and protection during severe weather events. Additionally, staying informed through local weather forecasts and emergency preparedness resources ensures you're ready to handle any weather-related challenges that may arise in the Sunshine State.

Cost of Living Breakdown

While Florida offers a lower cost of living than many other states, it's essential to consider all expenses when planning your budget. Beyond housing, utilities, groceries, transportation, healthcare, and taxes contribute to the overall cost of living. Understanding these expenses can help you make informed decisions about where to live and how to manage your finances effectively. Exploring cost-saving strategies, such as utilizing public transportation or taking advantage of local discounts and deals, can also help stretch your budget further in Florida. By carefully evaluating the breakdown of the cost of living, you can ensure that your relocation to the Sunshine State is financially sustainable and enjoyable.

Exploring Florida's Job Market

Florida's diverse economy offers abundant job opportunities across various industries, from tourism and hospitality to healthcare, technology, and finance. Researching the job market in your desired field and location can provide valuable insights into available positions, salary ranges, and career growth prospects. Networking with professionals in your industry and leveraging online job search platforms can help you connect with potential employers and secure employment opportunities in Florida. Additionally, considering factors such as commute times, workplace culture, and benefits packages can ensure that you find a job that aligns with your career goals and lifestyle preferences in the Sunshine State.

Community Spotlight: Discovering Local Culture and Activities

Florida's rich cultural heritage and diverse communities offer residents various activities and experiences. From art galleries and museums to outdoor festivals and recreational opportunities, there's something for everyone to explore in each city. Whether sampling regional cuisine or attending cultural events, immersing yourself in the local culture can help you feel more connected to your new community. Additionally, taking advantage of outdoor amenities such as parks, beaches, and nature preserves allows you to experience Florida's natural beauty. By discovering each city's unique charms and activities, you can fully embrace the vibrant lifestyle and sense of community that defines the Sunshine State.