The Most Affordable Places to Live In Florida

Table of Contents

affordable places to live in Florida

Share This Post

Florida is an incredibly diverse and vibrant state, making it a desirable place to live. With its gorgeous coastline, mild climate, and booming economy, it’s no surprise that many people are looking for the most affordable places to call home in this sunny state. This article will explore six of the best cities in Florida based on affordability, safety, job market potential, educational attainment,  and culture.


Tampa, Florida is one of the most affordable places to live in the US. According to a recent study by WalletHub, Tampa scored an 8 out of 10 on the affordability scale. This score was attributed to its low housing costs, making it an attractive option for those looking for an affordable city to call home.

In addition to lower housing costs, Tampa also offers a variety of tax incentives that can help make living here even more affordable. These incentives include homestead exemptions and discounts on sales taxes for certain items.

Overall, Tampa has quickly become one of the most sought-after cities for those seeking an affordable place to live in Florida.

The city is bustling with businesses, restaurants, and entertainment options that are attracting more people from all over the country. Tampa’s unemployment rate is well below the national average, which is a clear indication that the city is doing something right when it comes to economic growth. Furthermore, Tampa’s abundant supply of land makes it an ideal spot for developers looking to build high-end homes or commercial buildings.

The area also offers an incredible quality of life with its proximity to some of Florida’s best beaches and parks as well as its sunny climate year-round. It’s no wonder that so many people are drawn in by what they can find in Tampa; businesses have access to a highly educated workforce while residents have access to numerous amenities.


Living in Jacksonville, Florida, is a great choice for those looking for an affordable place to call home. According to a recent study, Jacksonville scored an 8 out of 10 on the affordability scale. This score indicates that living in this city is quite economical when compared to other cities of its size throughout the state. The lower cost of living also makes it easier for families and individuals alike to make ends meet.

Jacksonville, Florida is a thriving city with an unemployment rate of just 5%. The city is surrounded by nature with 80,000 acres of marshes, woods, and wetlands. Living here is surrounded by nature and the city has a relaxed lifestyle. Jacksonville has a diverse population of people from all walks of life. There are plenty of things to do in Jacksonville whether you’re looking for culture or relaxation.

Jacksonville, Florida is known for its great culture and outstanding restaurants. From the bustling historic district to world-class shopping malls, this city has something for everyone.

In addition to museums and art galleries, Jacksonville offers a wide selection of excellent eateries that satisfy every taste. Whether you’re looking for seafood with a Caribbean flair or a classic southern BBQ, you can find it here.

Many of the local eateries take advantage of Jacksonville’s coastal location by offering fresh seafood dishes featuring local catches from the nearby waters. If you’re in the mood for ethnic cuisine, there are plenty of options available, from French bistros to Asian fusion restaurants. The city also features some of the best steak houses in Florida as well as unique vegan and vegetarian restaurants that cater to all types of diets.

Cape Coral

Cape Coral, Florida has been ranked as one of the most affordable places to live in Florida. A recent survey rated Cape Coral with a 7 out of 10 score for affordability. The city also scored high on safety, giving Cape Coral an additional boost in its overall rating.

Residents and visitors alike enjoy the laid-back atmosphere of Cape Coral with its abundance of natural attractions and amenities like beaches, parks, island resort communities, and boat access canals. It’s no wonder why it’s becoming such a desirable destination for those looking for an affordable place to call home.

The cost of living is low in Cape Coral compared to other cities in Florida, making it a great option for families or individuals who are looking to save money while enjoying some of the best aspects that the Sunshine State has to offer.

Cape Coral, Florida is a beautiful city offering an affordable and comfortable retirement. With about 20% of the population over the age of 65, it has become a popular destination for retirees looking for a place in Florida to relax and enjoy life.

From its stunning waterfront views to its vibrant social activities, Cape Coral provides an attractive lifestyle for seniors on any budget. Boating and fishing are popular due to easy access to the Gulf Coast, while shopping centers, restaurants, and parks provide entertainment options that don’t require breaking the bank. The weather is also ideal throughout most of the year with mild winters and warm summers perfect for spending outdoors.

In addition to living expenses being significantly lower than in other parts of Florida, Cape Coral also offers tax benefits that can save retirees thousands each year.


Orlando, a city known for its many attractions and world-renowned theme parks, is also a great place to call home due to its affordability level. With costs that are lower than the national average, this central Florida city has become an increasingly popular destination for families looking for a good quality of life at an affordable price.

According to recent studies, Orlando scored 7 out of 10 when it comes to affordability. The cost of living in Orlando is between 2% and 8% lower than the national average; housing prices have seen some increases over the past few years but they are still below most major cities nationwide. Moreover, residents can save even more money on their taxes with no state income or inheritance tax in Florida.

The Most Affordable Places to Live In Florida


When it comes to living in Florida, there’s no place quite like Miami. With its spectacular restaurants, captivating entertainment, and unique culture, it’s a destination unlike any other. However, when it comes to affordability the city falls short. On a scale of 1-10 with 10 being the highest score for affordability, Miami scores a 6 out of 10.

For those who are looking to relocate or invest in real estate in Florida, there are some benefits to choosing Miami as your home base. The city is known for its vibrant nightlife and art scene, offering plenty of opportunities for entertainment and exploration during the day or night.


Gainsville, Florida is one of the most affordable places to live in the state. It’s a younger city compared to many others on the list, with the population aged 65 and above only making up 10 percent of their total population. The city offers a variety of amenities that make it an attractive place for those looking for affordable housing and a lively atmosphere.

The cost of living in Gainsville is roughly 8 percent below the national average making it one of the cheapest cities in Florida. Housing costs are particularly low with median home prices at just over $299,000; this makes Gainsville more affordable than some other cities in Florida including Miami and Orlando.

Gainsville has been deemed the most affordable city in the country, scoring a 7 out of 10 for affordability, according to recent research. This makes Gainsville an attractive option for those looking to relocate and take advantage of its low cost of living.

Not only is Gainsville incredibly affordable, but its job market is also one of the best available. With a wide range of industries present in the city and plenty of opportunities for both full-time and part-time work, Gainsville provides an ideal location for people seeking to advance their career prospects. The low unemployment rate coupled with rising wages are also factors that make Gainsvilles job market particularly attractive compared to other cities across the nation.

The city offers various job opportunities at numerous businesses, restaurants, and retail stores. Residents say that there is something available for just about anyone willing to put in the effort to find it. Plus, the cost of living is relatively lower than in other communities around Florida which makes it attractive for those looking for an affordable place to reside and work full-time or part-time hours.

The Most Affordable Places to Live In Florida

Frequently Asked Questions (FAQ)

Is Florida a good place to live?

Florida is known for its warm, pleasant weather and vast expanses of coastline making it an ideal place to live. Residents living in the state’s southern region enjoy year-round sunshine and mild temperatures, making it a great alternative to more extreme climates. From the panhandle down to Miami, Florida offers many opportunities for those looking for a change of pace from the cold northern winters.
The cost of living in Florida can be cheaper than in other parts of the country depending on where you choose to live. Many cities offer affordable housing and plenty of job opportunities as well as low taxes compared to other states. Additionally, Floridians can enjoy access to a variety of amenities such as beaches, shopping centers, theme parks, and more.

What is the cheapest and nicest place to live in Florida?

When looking for the cheapest and nicest place to live in Florida, there are many great options to choose from. From Tampa to Gainesville, each city offers something unique and can provide a great place to call home.
Tampa is known for its friendly locals and affordable living options. With an average rent of $1,150 per month, it may be the most budget-friendly option. Jacksonville offers similar prices at an average of $1,140 per month, along with plenty of outdoor activities like fishing and kayaking. The city also has an increasing nightlife scene which makes it attractive for young professionals.
Cape Coral is a more laid-back city boasting beautiful views along with some of the lowest rental costs in Florida at an estimated $1,100 per month on average.

What is the cheapest and safest place to live in Florida?

When it comes to choosing the cheapest and safest place to live in Florida, Cape Coral stands out as one of the top options. With a population of over 175,000 residents, the city boasts low crime rates with only 12 crimes per 1,000 residents. This makes it one of the safest places in all of Florida.
The city is filled with lush landscapes and plenty of activities for everyone ranging from outdoor parks to fishing spots.

Where should I move to in Florida?

The Most Affordable Places to Live In Florida

When considering a move to Florida, there are many excellent options. Cities like Tavares, Lake Wales, Lady Lake, South Daytona, Lake Alfred, Arcadia, Milton, Haines City, and Fellsmere offer something for everyone. Whether you’re looking for an outdoor lifestyle or a dynamic downtown with great restaurants and entertainment venues – these cities have it all. Each city offers its unique charm and atmosphere. From historical sites to vibrant wildlife preserves to the colorful nightlife of South Daytona – no matter what your preference is you will find something that fits your needs. For those seeking a quieter small-town feel then be sure to check out Edgewood; this charming town offers beautiful scenery with plenty of outdoor activities right on its doorstep. No matter which city you choose in Florida – you’ll be sure to find something special that suits your lifestyle perfectly.

What city in Florida has the lowest cost of living?

If you’re looking for a city in Florida with the lowest cost of living, Jacksonville is your best bet. According to reports from Sperling’s Best Places, Jacksonville has a cost of living that is 7 percent lower than the national average. In terms of rent prices, Jacksonville is one of the most affordable cities in Florida largely due to its sprawling apartment complexes and wide range of housing options. It should also be noted that many parts of the city offer affordable single-family homes as well.

The average rent for a two-bedroom apartment in Jacksonville is around $1500 per month which makes it much cheaper than in cities like Miami and Tampa where two bedrooms can easily exceed $2200 per month. So if you’re looking to save money while still enjoying all that Florida has to offer, then Jacksonville may be your ideal destination.

What county in Florida has the lowest cost of living?

The small, rural county of Layfayette in Florida has been consistently ranked as the county with the lowest cost of living in the state. With a population just shy of 8,637 people, Layfayette County is known for its peaceful atmosphere and tight-knit community. Those looking to make a move to an area where they can stretch their dollar further may want to consider calling Layfayette home.

Where should I not live in Florida?

When considering a move to Florida, some cities should be avoided. From crime-ridden towns to locations prone to natural disasters, here are the places where you should not live in the Sunshine State.

First on the list is Florida City, which has been dubbed “The Most Dangerous Place In The Country” by the FBI. With its high levels of poverty and crime rates, several times higher than national averages, this South Florida town is best avoided. Similarly, Lake City and Opa Locka have also been labeled as dangerous cities due to their high crime rates and lack of economic development.

On the other end of the spectrum are Panama City Beach and Miami Beach which may seem like ideal vacation destinations but can be quite expensive for residents. Additionally, during hurricane season both areas experience heavy flooding that can cause extensive property damage.

What’s bad about living in Florida?

For those who have considered moving to Florida, it is important to consider the potential drawbacks of living in this state as well. One major downside of living in Florida is the heat and humidity.

This can be especially overbearing during the summer months when temperatures routinely reach into the 90s with a high percentage of humidity. It can also make outdoor activities uncomfortable or even unsafe if you’re not prepared for them.

Additionally, those looking for more varied terrain may be disappointed by Florida’s mostly flat landscape. There are some hills and valleys but nothing that compares to other states like Colorado or Utah which offer breathtaking views and hikes.

Finally, bugs can be a problem in Florida due to its warm climate as they tend to thrive when temperatures remain consistent year-round.

How can I move to Florida with little money?

Moving to a new state and starting over can be an exciting adventure, especially when moving to Florida. But with limited funds, it can be hard to plan the perfect move. Fortunately, there are still options available for those who have little money. One of the best places in Florida for a budget-friendly activity is Lafayette County—located in the north-central region of the state near the Georgia border.

Lafayette County is known for its low cost of living, with average monthly rent at just over $500 per month—a fraction of what it costs in other parts of Florida. The county has plenty to offer visitors as well, including fishing, camping, hiking trails, and more than 20 parks offering free activities like swimming and picnics. There are also plenty of affordable restaurants and grocery stores where you can get all your shopping done without breaking the bank.

Bottom Line:

In conclusion, Florida is a great place to live with many affordable options. Tampa, Jacksonville, Cape Coral, Orlando, and Gainsville are all great places to start your search for an affordable home in the Sunshine State. Each city offers something unique that can fit anyone’s lifestyle and budget. With its moderate climate, warm sunshine, and thriving job market, Florida has something for everyone.

Want to work with me?
Schedule a free consultation with our sales team!

More To Explore