Most Affordable Beach Towns to Retire in Florida

Are you looking for most affordable beach towns to retire in florida? Living in a Florida beach town is a popular retirement dream for many people due to the abundance of sun, sand, and activities.

However, the appeal of living in a laid-back beach town is becoming more difficult due to steadily increasing prices, making it challenging to find affordable options in Florida.

But don’t lose hope! If you’re on a budget, you can still achieve your dream of relaxing by the beach on a boardwalk. All you have to do is find a more affordable location.

Check out our list of the most affordable beach towns to retire in Florida to help you find your new home.

Most Affordable Beach Towns in Florida

1. Pensacola

Pensacola, located in West Florida, is the most affordable beachside location in Florida, even though it’s technically a city and not a town.


Despite its coastal location, living in this city can be budget-friendly, with a median home value of $235,000 in 2022 and a median housing cost (including rent and mortgages) of $932 per month.

If you’re looking for a place that offers both exciting attractions and beachside living opportunities, Pensacola is an excellent choice.

It’s no wonder that many retirees choose to call this city their home! That’s why it is one of the top most affordable beach towns to retire in Florida.

2. Daytona Beach

Yes, we’re talking about Daytona Beach – the one where you can drive your car on the sand and the one that’s famous for its racing history.

Despite its popularity, this beachside city is still relatively affordable for locals. The median home price in Daytona Beach is only $271,000, making it accessible for many who previously thought owning a home was out of reach.

Plus, there are plenty of local amenities to enjoy. Racing fans, in particular, might want to consider investing in a summer home here.

After all, who wouldn’t want to witness the thrill of cars racing down the track in person?

3. Deerfield Beach

Deerfield Beach is a lovely destination for families seeking a fun-filled vacation. This lively beach town boasts warm and sunny weather all year round and is famous for its two theme parks, perfect for families to enjoy.

The locals in Deerfield Beach are known for being friendly, and the job market has been steadily growing in recent years.

According to our sources, the current median home price is only $290,000, and the median monthly housing cost is approximately $1,110, making it an affordable option for families looking to settle down in this sunny paradise.

4. Fort Walton Beach

If you’re searching for a location that’s just a short drive away from popular attractions like the Indian Temple Mound Museum and Gulfarium Marine Adventure Park, consider the large city town of Fort Walton Beach.

This location strikes a balance between being affordable for the average person while also offering a touch of luxury, making you feel like a movie star.

Whether you’re in the market for a house or a luxury apartment, Fort Walton Beach has something to offer for everyone.

With a median home cost of only $349,000, this location is an excellent choice for those seeking an affordable yet comfortable lifestyle.

5. Vero Beach

Vero Beach is a hidden gem among travelers, offering an affordable resort town experience that’s also accessible for locals.

With a median home price of just $362,000 as of December 2022, Vero Beach is one of the most affordable beach towns in Florida.

Living in Vero Beach means enjoying all the perks that are typically reserved for vacationers, such as sunny weather, excellent restaurants, a vibrant nightlife, and plenty of romantic spots to explore.

As developers may soon recognize the potential of this location, it’s wise to invest in real estate in Vero Beach before it becomes the next hotspot.

6. Clearwater

Clearwater is a prominent part of the Tampa Bay real estate market and is known for its unique reputation as a beach town that’s also the headquarters of the Church of Scientology.

While this may appeal to devout followers of the organization, Clearwater also offers other attractions, such as excellent restaurants and pristine beaches.

With a median home price of just $370,000, you can own a home in this elegant yet unusual resort town. It’s an unexpected possibility that might be worth exploring.

7. Tarpon Springs

Tarpon Springs, a popular tourist destination, was once a beach town renowned for its Green sponge sea divers and swordfishing.

Today, the town still bears the influences of its past through local statues dedicated to divers, boating events, and a thriving food scene.

With a median rent of just $932, Tarpon Springs is one of the most affordable towns to rent in, without compromising on safety or entertainment.

It’s a great option for those looking for affordability and high quality of life.


Florida offers some of the most affordable beach towns for retirees to settle down and enjoy their golden years.

For those seeking a warm climate, sandy beaches, and a relaxed pace of life, the Most Affordable Beach Towns to Retire in Florida are worth considering.

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