10 Most Affordable Places to Live in Florida

Relocating to Florida is one of the best options if you’re looking to move to a more affordable state. This sunny paradise is a great place to live for people of all ages, with plenty of things to do all across the state.

As we examine these communities, we will focus on what makes big cities and smaller towns affordable.

Some Common Factors

All of the communities described here have certain characteristics in common. Here are a few:

1. Taxes. Florida has no state income tax; compare that to the national average of 4.6%. Property taxes, too, come in low, with an average effective rate of .83% of property value. The state sales tax rate is 6.0%, and some localities add their own tax of 0.5% to 2.5%, resulting in an average combined rate of 7.05%.
2. Climate. The climate of north and central Florida is humid subtropical, and south Florida is tropical in nature. Much of the state, especially the coastal areas, experiences rain and thunderstorms from May through October.

   For each community below, we assign a HOMEiA Score, which provides an overall assessment of its affordability and appeal as a place to call home.

1. Jacksonville, FL

Located on the coast of northeast Florida, Jacksonville is the cheapest place to live in Florida. The city has direct access to Interstate 95 and is only about two hours south of Savannah, Georgia. The Jacksonville airport is a large hub with plenty of major airlines.

a. Size and Population

Jacksonville has a population of 911,507 (2019 estimate) and an area just under 875 square miles. The population density is 1,219 per square mile (2019 estimate).

The population in Jacksonville grew by 10.9% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in Jacksonville.

JACKSONVILLE MEDIAN HOUSEHOLD INCOME (2019): $54,701

Jacksonville Cost of Living

• 7% Below the U.S. National Average
• 4% Higher than Gainesville, Florida
• 50% Lower than New York, New York
• 13% Lower Than Chicago, Illinois

Jacksonville Housing Costs

Jacksonville shows a home P/E (home price to income) ratio of 3.17, based on the median home price of $173,200 and a median household income of $54,701. The U.S. average is 4.0. Therefore, it is affordable to buy homes in the area.

Jacksonville shows an income to rent ratio of 4.28, based on a median household income of $54,701 and an annual spend of $12,780. Therefore, it is affordable to rent properties.

75.8% of Jacksonville, residents own their home.

Top Neighborhoods in Jacksonville

1. Northside (Home Value Range: $200,000 to $1 million)

   This area is great for families with children. The neighborhood features plenty of single-family homes and is close to the Jacksonville Zoo and Talbot Island State Park. This area has plenty of nature and is a large transportation hub.

2. Riverside (Home Value Range: $100,000 to $3 million)

   This area is in a very trendy part of town and great for young professionals. Visit the Riverside Arts Market on Saturdays and walk around the historic district to find unique shopping and dining opportunities.

3. San Marco (Home Value Range: $150,000 to $5 million)

   This neighborhood is in the arts district and has plenty of shopping and entertainment. Visit San Marco Square to see its European statuary and fountain. On the shores of the river, there are plenty of art galleries and dining options.

4. Orange Park (Home Value Range: $250,000 to $650,000)

   This Jacksonville suburb has reasonable housing prices and is located in a more rural setting. This area hosts plenty of community activities throughout the year, such as the Fourth of July celebration and the annual fall arts and crafts festival.

5. Southside (Home Value Range: $150,000 to $850,000)The Southside neighborhood is an up-and-coming area great for families or those buying their first home. With shopping malls, dining and entertainment, there are plenty of things to do. Tinseltown, an area nearby, has a thriving nightlife.

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c. Employment Prospects

As of May 2021, the unemployment rate in Jacksonville was 4.2%, which was below both the U.S. national rate of 5.8% and the Florida rate of 4.9%. The poverty rate, at 14.9%, was above the national average of 10.5%.

The top employers in Jacksonville include two different naval air stations, multiple hospitals and healthcare facilities, and banking systems. Duval County Public Schools employ over 14,000 workers.

Jacksonville residents have an average commute time of 25.2 minutes.

d. Unique Attributes and Lifestyle

Jacksonville is the most populous city in Florida and the largest by area in the contiguous United States. The city was founded in 1832 and has tons of things to do.

1. Nature. There are plenty of nature preserves where you can explore and take in the views: Cary Trailwalker Nature Trail, Jacksonville Baldwin Rail Trail, the Timucuan Preserve and the University of North Florida Nature Trails are just a few examples.
2. Attractions. The Jacksonville Zoo and Gardens, The Crummer Museum of Art and Catty Shack Ranch are great examples of fun attractions in the area.
3. Shopping. Beaches Town Center, St. Johns Town Center and the Riverside Arts Market are great weekend activities for those looking to shop and enjoy some good food.
4. Sports. Catch a football game at the home of the Jacksonville Jaguars at the TIAA Bank Field.
5. Beaches. The options for beaches near Jacksonville are almost endless. With plenty of watersports available and areas to sunbathe, there is no shortage of sun and sand.

e. Education

There are plenty of options for higher education in the Jacksonville area. Smaller schools include Trinity Baptist College, Chamberlain University, Edward Waters College, Florida State College at Jacksonville and Jacksonville University.

The University of North Florida is located in the heart of Jacksonville and has a student population of over 14,000. One of Florida’s top state universities, it offers many scholarships and financial aid opportunities.

There are 190 public schools and over 600 private schools in the Jacksonville area, based on data from GreatSchools.org.

Overall, Jacksonville has an above-average educational infrastructure, the same as or better than similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in Jacksonville was just above the U.S. national average of 88%. The population of adults above 25 years of age with a college degree at was on par with the national average of approximately 32%.

f. Healthcare and Safety

There are over 20 hospitals and primary care medical facilities in the Jacksonville area. These include Memorial Hospital, Curahealth Jacksonville and Wolfson Children’s Hospital. All are rated generally above average.

Jacksonville has 6.49 violent crimes per 1,000 residents, above Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 33.35 property crimes per 1,000 residents, above Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

2. Saint Petersburg, FL

St. Petersburg is located in central Florida on the west coast near Tampa Bay. Major highways link the city to other large areas like Tampa. There are a few small airports, but many use the St. Pete-Clearwater International Airport. If you’re looking for a larger hub, the Tampa International Airport is only 30 minutes away.

a. Size and Population

St. Petersburg has a population of 265,351 (2019 estimate) and an area just over 131 square miles. The population density is 4,293 per square mile (2019 estimate).

The population in St. Petersburg grew by 7.6% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in St. Petersburg.

ST. PETERSBURG MEDIAN HOUSEHOLD INCOME (2019): $56,982

St. Petersburg Cost of Living

• 1% Below the U.S. National Average
• 5% Lower than Jacksonville, Florida
• 47% Lower than New York, New York
• 8% Lower than Chicago, Illinois

St. Petersburg Housing Costs

St. Petersburg shows a home P/E (home price to income) ratio of 3.6, based on the median home price of $205,000 and a median household income of $56,982. The U.S. average is 4.0. Therefore, it is affordable to buy homes in the area.

St. Petersburg shows an income to rent ratio of 4.25, based on a median household income of $56,982 and an annual spend of $13,392. Therefore, it is affordable to rent properties.

In St. Petersburg, 60.4% of residents own their homes.

Top Neighborhoods in St. Petersburg

1. Bayway Isles (Home Value Range: $150,000 to $3.5 million)

   This neighborhood dates back to 1968 and features just 200 single-family homes. Most homes have waterfront views of the gulf or different canals. Downtown St. Petersburg is 12 minutes away.

2. Casa Del Mar Condominiums (Home Value Range: $175,000 to $575,000)

   This community features low-maintenance living and lots of waterfront views. As an alternative to the beach, this condo features a community pool.

3. Colonial Place (Home Value Range: $100,000 to $725,000)

   This community features some homes that date back to the 1910s and is reasonably priced. Most homes are designed in the colonial style of architecture.

4. Harcourt (Home Value Range: $250,000 to $600,000)

   This area dates back to 1950 and specializes in single-family homes in a variety of architectural styles and lot sizes.

5. Forbes Park Roberta (Home Value Range: $175,000 to $300,000)

   This community has smaller homes for a cozier feel. They are built in many different styles, and many are situated on small lots.

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c. Employment Prospects

As of May 2021, the unemployment rate in St. Petersburg was 4.6%, which was below both the U.S. national rate of 5.8% and the Florida rate of 4.9%. The poverty rate, at 13.4%, was above the national average of 10.5%.

The largest employers in St. Petersburg include Jabil, Raymond James and HSN. Jabil is a manufacturing product management firm with headquarters in the city. A variety of financial services and retailers are also based in St. Petersburg.

St. Petersburg residents have an average commute time of 23.7 minutes.

d. Unique Attributes and Lifestyle

St. Petersburg was founded in 1903 and was named after the city of the same name in Russia. This area is right on the water and has plenty of things to do.

1. Waterways. The St. Petersburg Pier is a great area to visit if you’re looking for some water views. With things to do and plenty of restaurants, this area is a great place for a family to spend the afternoon.
2. Museums. The Salvador Dali Museum is a great place to visit all throughout the year. This kooky surrealist artist from the early 1900s has plenty of unique paintings for public viewing.
3. Beaches. The closest and best nearby beach is Clearwater. With beautiful sunsets and, as its name suggests, clear water, this is a great beach for those looking for some sun.
4. Nature Trails. The Fred Marquis Pinellas Trail is a 37-mile-long abandoned railroad corridor that runs from the waterfront of St. Petersburg to Tarpon Springs.

e. Education

Ecker College is a small liberal arts school with over 40 programs and majors located in St. Petersburg. St. Petersburg College is a state college and has a student enrollment of over 65,000 across eleven campuses, four of which are located in St. Petersburg.

The University of South Florida has three different campuses, including one in St. Petersburg, with the main campus located in Tampa. With 28 undergraduate degree programs, 17 master’s programs and 11 certification options, this is great alternative for those not wanting to drive to Tampa.

There are 45 public schools and over 150 private schools in the St. Petersburg area, based on data from GreatSchools.org.

Overall, St. Petersburg has a below-average educational infrastructure, the same or slightly lower than similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in St. Petersburg was above the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was also above the national average of approximately 32%.

f. Healthcare and Safety

There are over 30 hospitals and medical care facilities in the St. Petersburg area. These include St. Petersburg General Hospital, St. Anthony’s Hospital and Bayfront Heath St. Petersburg. These are all rated generally above average.

St. Petersburg has 6.01 violent crimes per 1,000 residents, above Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 32.49 property crimes per 1,000 residents, above Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

3. Cape Coral, Florida

Cape Coral is located in southwest Florida, just outside of Fort Myers. Interstate 75 connects major cities on the west coast of Florida. Many residents choose to use Southwest Florida International Airport – a regional hub about 30 minutes away.

a. Size and Population

Cape Coral has a population of 200,972 (2019 estimate) and an area just over 119 square miles. The population density is 1,835 per square mile (2019 estimate).

The population in Cape Coral grew by 26% from April 2010 through July 2019 (U.S. Census), which is significantly above the overall U.S. rate of 6.3%.

Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in Cape Coral.

CAPE CORAL MEDIAN HOUSEHOLD INCOME (2019): $61,599

Cape Coral Cost of Living

• 4% Above the U.S. National Average
• 16% Lower than Miami, Florida
• 45% Lower than New York, New York
• 3% Lower than Chicago, Illinois

Cape Coral Housing Costs

Cape Coral shows a home P/E (home price to income) ratio of 3.72, based on the median home price of $229,400 and a median household income of $61,599. The U.S. average is 4.0. Therefore, it is affordable to buy homes in the area.

Cape Coral shows an income to rent ratio of 4.31, based on a median household income of $61,599 and an annual spend of $14,928. Therefore, it is affordable to rent properties.

In Cape Coral, 74.5% of residents own their homes.

Top Neighborhoods in Cape Coral

1. Gator Circle (Home Value Range: $250,000 to $450,000)

   This neighborhood was established in 2004 and features reasonably priced midsize homes. Located near Yellow Fever Creek Preserve and Del Tura Golf and Country Club, there are plenty of things do to in the surrounding area.

2. Sunset Pointe (Home Value Range: $300,000 to $525,000)

   This is a relatively new community with plenty of single-family homes. This neighborhood is located on a canal and is adjacent to plenty of nature areas.

3. Casa Di Fiori (Home Value Range: $175,000 to $250,000)

   This condominium community was developed in 2012 and continues to add more cozy family homes. With low-maintenance living, this community features tennis courts, a fitness center and a pool.

4. Sandy Circle Condominiums (Home Value Range: $175,000 to $250,000)

   These condos were constructed in 1975 and are great for those looking to live a low-maintenance lifestyle. The community also features plenty of amenities, like a community pool and fitness opportunities.

5. Blue Heron of Cape Coral (Home Value Range: $175,000 to $275,000)

   This neighborhood features lots of competitively priced, cozy homes. Located next to waterways, there are lovely sunset views in many areas.

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c. Employment Prospects

As of May 2021, the unemployment rate in Cape Coral was 4.6%, which was below both the U.S. national rate of 5.8% and the Florida rate of 4.9%. The poverty rate, at 10.4%, was below the national average of 10.5%.

The biggest employer in the Cape Coral area is Viking Construction. Additionally, Century 21 Sunbelt Realty and Sellstate Priority Realty are both large companies located in the area.

Cape Coral residents have an average commute time of 28.3 minutes.

d. Unique Attributes and Lifestyle

Cape Coral is right on the coast of the Gulf of Mexico and was founded in 1957. With plenty of waterways and beaches, there are tons of things to do.

1. Parks. Rotary Park and Four Mile Cove Ecological Preserve are both located in Cape Coral. There are plenty of water views and nature trails to explore.
2. Waterpark. The Sun Splash Family Waterpark is fun for the whole family. With plenty of water slides and a lazy river, be sure to bring your kids here for a day of fun.
3. Beaches. Lovers Key State Park is one of the top spots for locals and tourists. Swimming, sunbathing and other fun beach activities can be enjoyed here. Dolphins, eagles and tons of other animals are frequently spotted around the water.

e. Education

Cape Coral Technical College is a small school that provides technical certifications for a little more than 300 students. About 30 minutes away in Fort Meyers is Florida Gulf Coast University. This four-year public university has the top-ranked nursing school in the state and serves just under 14,000 students.

There are 27 public schools and 56 private schools in the Cape Coral area, based on data from GreatSchools.org.

Overall, Cape Coral has an excellent educational infrastructure, better than similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in Cape Coral was above the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was below the national average of approximately 32%.

f. Healthcare and Safety

Cape Coral Hospital is the main hospital located within the city. A short driving distance away is Lee Memorial Hospital, Park Royal Hospital and Golisano Children’s Hospital of Southwest Florida.

Cape Coral has 1.16 violent crimes per 1,000 residents, significantly below Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 11.14 property crimes per 1,000 residents, significantly below Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

4. Palm Bay, FL

Palm Bay is located in central Florida on the east coast. Right off Interstate 95, it’s just over an hour’s drive to Orlando. Many residents use the Melbourne Airport, which is a short drive by car.

a. Size and Population

Palm Bay has a population of 115,552 (2019 estimate) and an area of just over 101 square miles. The population density is 1,181 per square mile (2019 estimate).

The population in Palm Bay grew by 11.1% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in Palm Bay.

PALM BAY MEDIAN HOUSEHOLD INCOME (2019): $51,408

Palm Bay Cost of Living

• 11% Below the U.S. National Average
• 14% Lower than Orlando, Florida
• 52% Lower than New York, New York
• 17% Lower than Chicago, Illinois

Palm Bay Housing Costs

Palm Bay shows a home P/E (home price to income) ratio of 3.02, based on the median home price of $155,200 and a median household income of $51,408. The U.S. average is 4.0. Therefore, it is affordable to buy homes in Palm Bay.

Palm Bay shows an income to rent ratio of 4.05, based on a median household income of $51,408 and an annual spend of $12,708. Therefore, it is affordable to rent properties.

In Palm Bay, 74.5% of residents own their homes.

Top Neighborhoods in Palm Bay

1. Waterstone (Home Value Range: $175,000 to $350,000)

   This neighborhood is in a suburban area with lots of single-family homes. Many homes have waterfront views and are within walking distance of the elementary school.

2. Parkside West (Home Value Range: $200,000 to $350,000)

   This community is a small, reasonably priced neighborhood near the high school. This area is within walking distance of many parks, including a dog park and a disc golf course.

3. Magnolia Park at Bayside Lakes (Home Value Range: $275,000 to $350,000)

   This area features larger homes with small waterways nearby. This neighborhood is adjacent to a community tennis court and a few parks.

4. Riviera Key (Home Value Range: $200,000 to $275,000)

   This neighborhood has plenty of midsized homes and is close to the highway. Around the corner is Riviera Park, a small nature area.

5. Port Malabar Country Club (Home Value Range: $150,000 to $450,000)

   This community offers a wide range of home sizes and is near the water. This area is in central Palm Bay surrounded by other neighborhoods of similar size and price range.

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c. Employment Prospects

As of May 2021, the unemployment rate in Palm Bay was 4.3%, which was below both the U.S. national rate of 5.8% and the Florida rate of 4.9%. The poverty rate, at 13%, was above the national average of 10.5%.

Large employers in the Palm Bay area include MC Test Service, Advanced Magnet Lab and ISO Group. Many of these companies deal with the upkeep and development of aerospace technology.

Palm Bay residents have an average commute time of 26.5 minutes.

d. Unique Attributes and Lifestyle

Palm Bay is situated right on the water and is popular for many looking to live near the ocean. Palm Bay has plenty to do.

1. Nature. Castaway Point Park, Turkey Creek Sanctuary and Fred Poppe Regional Park all offer great nature views, walking trails and even some coastal views. Melbourne Beach is a short drive away and has lovely beaches.
2. Theme Parks. Andretti Thrill Park is only a few minutes outside of Palm Bay and features go-kart racing, arcade games and tons of food. This is great for families and young people of all ages.
3. City Life. The city of Orlando is just over an hour away and is a great destination for a day trip or a quick weekend getaway. With plenty of bars, clubs and breweries, the area is great for those looking for activities to do out of town.

e. Education

Eastern Florida State College has a campus located in the heart of Palm Bay. Additionally, Orlando is just over an hour away and is home to the largest public four-year university in the country. The University of Central Florida has over 70,000 students and plenty of programs to choose from.

There are 25 public schools and 45 private schools in the Palm Bay area, based on data from GreatSchools.org.

Overall, Palm Bay has an average educational infrastructure, about the same as similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in Palm Bay was on par with the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was significantly below the national average of approximately 32%.

f. Healthcare and Safety

There are plenty of great healthcare facilities in Palm Bay. Health First’s Palm Bay Hospital is located in the town itself, while many choose to go to Melbourne Regional Medical Center, South Lake Hospital, or the Holmes Regional Medical Center.

Palm Bay has 3.43 violent crimes per 1,000 residents, below Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 17.14 property crimes per 1,000 residents, below Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

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5. Palm Coast, FL

Palm Coast is located about an hour south of Jacksonville on the east coast of Florida. Many choose to drive to the Daytona Beach International Airport, located about 45 minutes south of Palm Coast. The city is located right off Interstate 95.

a. Size and Population

Palm Coast has a population of 89,800 (2019 estimate) and an area just over 96 square miles. The population density is 945 per square mile (2019 estimate).

The population in Palm Coast grew by 19.4% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in Palm Coast.

PALM COAST MEDIAN HOUSEHOLD INCOME (2019): $54,360

Palm Coast Cost of Living

• 4% Below the U.S. National Average
• 3% Higher than Jacksonville, Florida
• 49% Lower than New York, New York
• 10% Lower than Chicago, Illinois

Palm Coast Housing Costs

Palm Coast shows a home P/E (home price to income) ratio of 3.85, based on the median home price of $209,300 and a median household income of $54,360. The U.S. average is 4.0. Therefore, it is affordable to buy homes in the area.

Palm Coast shows an income to rent ratio of 3.49, based on a median household income of $54,360 and an annual spend of $15,576. Therefore, it is affordable to rent properties.

In Palm Coast, 74.3% of residents own their homes.

Top Neighborhoods in Palm Coast

1. Palm Harbor (Home Value Range: $150,000 to $450,000)

   This neighborhood is in a highly desirable area with a variety of homes. Most have canal views.

2. Cypress Knoll (Home Value Range: $525,000 to $700,000)

   This area is located in central Palm Coast and is near the Cypress Knoll Golf Club.

3. Lehigh Woods (Home Value Range: $225,000 to $475,000)

   This community features a park with a public playground, basketball courts and a skate park.

4. Quail Hollow (Home Value Range: $225,000 to $425,000)

   This neighborhood, located near Route 100, has been growing rapidly.

5. Matanzas Woods (Home Value Range: $225,000 to $450,000)

   This area is the closest neighborhood to St. Augustine, with tons of single-family homes.

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c. Employment Prospects

As of May 2021, the unemployment rate in Palm Coast was 5%, which was below the U.S. national rate of 5.8% but just above the Florida rate of 4.9%. The poverty rate, at 12.3%, was above the national average of 10.5%.

There are many opportunities here in the hospitality sector. Both the Hammock Beach Resort and the Hammock Dunes Club and Golf Course employ many people who live in Palm Coast. The Flagler County Chamber of Commerce is also located in Palm Coast.

Palm Coast residents have an average commute time of 26.6 minutes.

d. Unique Attributes and Lifestyle

Palm Coast is right on the water. The area was originally mostly swampland and pine trees.

1. Parks. Waterfront Park, Varn Park, Palm Coast Linear Park and James F. Holland Memorial Park all have beautiful nature trails and sights ready to be explored.
2. Golfing. The Palm Harbor Golf Club is great for those looking to practice their swing. It’s also located off the Palm Coast Marina Canals.
3. St. Augustine. This historic town is only a 45-minute drive north of Palm Coast. Founded in 1565 and the oldest continuously inhabited city in the U.S., this area is great for those interested in Florida history and amazing cuisine.
4. Beaches. There are plenty of amazing beaches up and down Palm Coast. In general, the beaches are not overrun with tourists and are typically clean and quiet.

e. Education

Palm Cost is very close to Daytona State College and Flagler Technical College – both great options for those looking for small programs and certification options. Flagler College is about a 30-minute drive from Palm Coast, and the University of North Florida is less than an hour away.

There are 10 public schools and 25 private schools in the Palm Coast area, based on data from GreatSchools.org.

Overall, Palm Coast has an above-average educational infrastructure, similar to or better than similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in Palm Coast was above the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was below the national average of approximately 32%.

f. Healthcare and Safety

There are two great healthcare facilities located in Palm Coast: AdventHealth Medical Plaza Palm Coast and AdventHealth Palm Coast.

Palm Coast has 1.65 violent crimes per 1,000 residents, significantly below Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 9.53 property crimes per 1,000 residents, significantly below Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

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6. Homosassa Springs, FL

Homosassa Springs is an unincorporated area located about 90 minutes north of Tampa on the west coast of Florida. The Gainesville Regional Airport and the Tampa International Airport are about the same distance away from this community.

a. Size and Population

Homosassa Springs has a population of 13,791 (2010) and an area of just over 25 square miles. The population density is 549 per square mile (2010).

The population growth in Homosassa Springs from April 2010 through July 2019 has not yet been reported.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in Homosassa Springs.

HOMOSASSA SPRINGS MEDIAN HOUSEHOLD INCOME (2019): $40,870

Homosassa Springs Cost of Living

• 15% Below the U.S. National Average
• 15% Lower than Tampa, Florida
• 54% Lower than New York, New York City
• 20% Lower than Chicago, Illinois

Homosassa Springs Housing Costs

Homosassa Springs shows a home P/E (home price to income) ratio of 2.04, based on the median home price of $83,300 and a median household income of $40,870. The U.S. average is 4.0. Therefore, it is very affordable to buy homes in the area.

Homosassa Springs shows an income to rent ratio of 4.41, based on a median household income of $40,870 and an annual spend of $9,276. Therefore, it is affordable to rent properties.

In Homosassa Springs, 80.6% of residents own their homes.

Top Neighborhoods in Homosassa Springs

As a small unincorporated area, Homosassa Springs lacks distinct neighborhoods.

Home prices in Homosassa Springs range from $60,000 to $250,000.

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c. Employment Prospects

As of May 2021, the unemployment rate in Homosassa was 6.1%, higher than the U.S. national rate of 5.8% and the Florida rate of 4.9%. The poverty rate, at 14.5%, was above the national average of 10.5% in 2019.

Most Homosassa Springs residents commute outside of the area to work. The largest employers in Citrus County are the school district and three medical facilities, including the Citrus Memorial Health Foundation, Tenet Health Medical System and Citrus HMA LLC.

Homosassa Springs residents have an average commute time of 27.2 minutes.

d. Unique Attributes and Lifestyle

Homosassa Springs is a very small area, but there are many things to do in the surrounding cities, mainly in natural areas and waterways.

1. River. The Homosassa River is a great place for recreational activities. Dolphins, manatees, alligators, turtles and plenty more animals are found living in the water.
2. Food. There are plenty of restaurants scattered up and down Route 98, the main road adjacent to the city. With all types of cuisine, there is surely something for everyone.
3. City Life. Homosassa Springs is just over an hour away from Tampa, making it ideal for day trips into the city. With plenty of nightlife and things to do, Tampa is a great place to get away for a day or two.

e. Education

Homosassa Springs is located near two Pasco-Hernando State College campuses, as well as the College of Central Florida Citrus Campus. The University of South Florida is located about 65 miles south in Tampa.

Because this town is so small, there are not many schools located within the bounds of Homosassa Springs. The town is a part of the Citrus County School District and students are split between a few different public school districts.

Additionally, there are a few private schools in the area run by churches.

Over the 2015–2019 period, the high school graduation rate in Homosassa Springs was slightly below the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was significantly below the national average of approximately 32%.

f. Healthcare and Safety

Because this town so small, there are no major hospitals located nearby. Bayfront Health Seven Rivers is about 20 minutes north, and Citrus Memorial Hospital is about 30 minutes east.

Homosassa Springs is generally considered to be a safe area, though specific crime rate information is not available.

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7. New Port Richey, FL

New Port Richey is located on the west coast of Florida about an hour north of Clearwater and an hour northwest of Tampa. Many choose to use the airports in close major cities, like Tampa or St. Petersburg. The area is close to Interstate 75.

a. Size and Population

New Port Richey has a population of 16,737 (2019 estimate) and an area just under 5 square miles. The population density is 3,681 per square mile (2019 estimate).

The population in New Port Richey grew by 12.2% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in New Port Richey.

NEW PORT RICHEY MEDIAN HOUSEHOLD INCOME (2019): $35,384

New Port Richey Cost of Living

• 8% Below the U.S. National Average
• 8% Lower than Tampa Bay, Florida
• 51% Lower than New York, New York
• 14% Lower than Chicago, Illinois

New Port Richey Housing Costs

New Port Richey shows a home P/E (home price to income) ratio of 2.47, based on the median home price of $87,500 and a median household income of $35,384. The U.S. average is 4.0. Therefore, it is very affordable to buy homes in the area.

New Port Richey shows an income to rent ratio of 3.58, based on a median household income of $35,384 and an annual spend of $9,876. Therefore, it is affordable to rent properties.

In New Port Richey, 53.4% of residents own their homes.

Top Neighborhoods in New Port Richey

1. Beacon Square (Home Value Range: $50,000 to $500,000)

   This area has plenty of single-family homes for sale.

2. Windsor Place at River Ridge (Home Value Range: $200,000 to $350,000)

   This community is an average-priced neighborhood.

3. Key Verde Estates (Home Value Range: $750,000 to $3.5 million)

   This neighborhood is a more expensive area for those looking for larger properties.

4. Riverside Village (Home Value Range: $250,000 to $450,000)

   This area is great for single-family homes in a range of prices.

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c. Employment Prospects

As of May 2021, the unemployment rate in New Port Richey was 4.6%, which was below both the U.S. national rate of 5.8% and the Florida rate of 4.9%. The poverty rate, at 19.4%, is above the national average of 10.5% in 2019.

Many people travel outside of New Port Richey to work, but the biggest employers within the area are Welbilt, the Pasco County Sheriff’s Office and the New Port Lincoln Mercury dealership.

New Port Richey residents have an average commute time of 30.1 minutes.

d. Unique Attributes and Lifestyle

New Port Richey was established in the early 1900s and has plenty of things to do.

1. Beaches. There are many lovely beaches nearby, as well as plenty of canals and waterways that run through the city. Paddle boarding, kayaking and other water activities are common around the area.
2. Nature. Robert K. Rees Memorial Park is located on a peninsula jutting into the Gulf of Mexico. Sims Park and James E. Grey Preserve are both located inland and offer great views and nature walks. Many New Port Richey residents enjoy hiking and exploring nature trails.
3. City Life. The larger city of Tampa is less than an hour’s drive away from New Port Richey and has plenty to offer as far as nightlife, restaurants and family-friendly activities.
4. Museums. The West Pasco Historical Society features a museum where visitors can learn about the history of the area.

e. Education

New Port Richey is home to Keiser University, a public university with over 20 campuses located around the state. Just under an hour south is the University of South Florida, with about 180 undergraduate programs offered.

There are 32 public schools and 51 private schools in the New Port Richey area, based on data from GreatSchools.org.

Overall, New Port Richey has an above-average educational infrastructure, similar to or better than similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in New Port Richey was below the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was significantly below the national average of approximately 32%.

f. Healthcare and Safety

Morton Plant North Bay Hospital and Medical Center of Trinity are both great healthcare facilities located in this area. Some choose to travel to Advent Health North Pinellas, which is a short drive east.

New Port Richey has 7.95 violent crime per 1,000 residents, above Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 30.23 property crimes per 1,000 residents, above Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

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8. Dade City, FL

Dade City is located in Central Florida mid-way between Orlando and Tampa. The closest beach is about an hour away and most residents use the Tampa International airport which is just under an hour away by car.

a. Size and Population

Dade City has a population of 7,338 (2019 estimate) and an area of just over 6 square miles. The population density is 1,238 per square mile (2019 estimate).

The population in Dade City grew by 13.8% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in Dade City.

DADE CITY MEDIAN HOUSEHOLD INCOME (2019): $46,635

Dade City Cost of Living

• 13% Below the U.S. National Average
• 17% Lower than Orlando, Florida
• 54% Lower than New York, New York
• 19% Lower than Chicago, Illinois

Dade City Housing Costs

Dade City shows a home P/E (home price to income) ratio of 2.28, based on the median home price of $106,300 and a median household income of $46,635. The U.S. average is 4.0. Therefore, it is very affordable to buy homes in the area.

Dade City shows an income to rent ratio of 3.66, based on a median household income of $46,635 and an annual spend of $12,732. Therefore, it is affordable to rent properties.

In Dade City, 55.3% of residents own their homes.

Top Neighborhoods in Dade City

1. Highlands (Home Value Range: $150,000 to $250,000)

   This area has reasonably priced mid-size homes and is located near the center of Dade City.

2. Leahs Acres (Home Value Range: $350,000 to $500,000)

   This community was constructed in 2005 and features large single-family homes.

3. Orange Valley (Home Value Range: $200,000 to $400,000)

   This neighborhood is a well-established community with midsize homes for families.

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c. Employment Prospects

As of May 2021, the unemployment rate in Dade City was 5.8%, on par with the U.S. national rate but above the Florida rate of 4.9%. The poverty rate, at 24.2%, was above the national average of 10.5%.

Large employers in the Dade City area include KnowBe4, an information security company; Power Design, a construction company; and McKinsey and Company, a consulting agency. There are also two large medical facilities that employ many nearby, as well as a golf and country club with many job opportunities.

Dade City residents have an average commute time of 27.8 minutes.

d. Unique Attributes and Lifestyle

Dade City is also known as Tree City and is a lovely town inland of the Tampa Bay Area. With access to many major highways, it’s a good hub for exploring Florida.

1. History. The Dade City Heritage and Cultural Museum is a great place to learn about the history of the city as well as other great facts about Florida.
2. Things to Do with the Family. The Dade City Giraffe Ranch is a fun activity where you can get up close and personal with the amazing animals.
3. Antiquing. There are several antique shops in the vicinity of 7th Street, if you’re looking for a unique piece.
4. Food. There are plenty of restaurants with a variety of cuisine options all around the town. There is surely something for everyone’s taste.

e. Education

Just outside of Dade City is Pasco-Hernando State College East Campus. This is a small school with a variety of programs and certification options. St. Leo University is a private Roman Catholic liberal arts university located outside of Dade City.

The University of South Florida, located in Tampa, is the closest public four-year university. It takes about 40 minutes to drive there from Dade City.

There are 30 public schools and 38 private schools in the Dade City area, based on data from GreatSchools.org.

Overall, Dade City has an average educational infrastructure, comparable to similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in Dade City was below the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was significantly below the national average of approximately 32%.

f. Healthcare and Safety

Advent Health Dade City is located inside the city bounds, but many residents drive to adjacent areas for larger medical facilities. These include Zephyrhills Hospital to the south. Both Advent Health and Zephyrhills are rated average to above average.

Dade City has 4.91 violent crimes per 1,000 residents, above Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 39.11 property crimes per 1,000 residents, above Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

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9. Bartow, Florida

Bartow is located less than an hour east of the Tampa Bay area. With just a short drive to Interstate 4, there is easy access to many areas. Most residents fly out of the Tampa International Airport.

a. Size and Population

Bartow has a population of 20,147 (2019 estimate). It occupies an area just under 53 square miles. The population density is 436 per square mile (2019 estimate).

The population in Bartow grew by 17.3% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below show the median income, cost of living and the annual spending on housing for owned and rented properties in Bartow.

BARTOW MEDIAN HOUSEHOLD INCOME (2019): $47,779

Bartow Cost of Living

• 16% Below the U.S. National Average
• 16% Lower than Tampa Bay, Florida
• 55% Lower than New York, New York
• 22% Lower than Chicago, Illinois

Bartow Housing Costs

Bartow shows a home P/E (home price to income) ratio of 2.87, based on the median home price of $137,200 and a median household income of $47,779. The U.S. average is 4.0. Therefore, it is very affordable to buy homes in the area.

Bartow shows an income to rent ratio of 4.73, based on a median household income of $47,779 and an annual spend of $10,092. Therefore, it is affordable to rent properties.

In Bartow, 58.9% of residents own their homes.

Top Neighborhoods in Bartow

1. Bassedena Park (Home Value Range: $350,000 to $550,000)This community is a suburban neighborhood with single-family homes.
2. James Towne Place (Home Value Range: $200,000 to $300,000)This neighborhood features mostly midsized homes at a reasonable price.
3. Griffin Landing (Home Value Range: $150,000 to $350,000)This area is home to reasonably priced larger homes.
4. Wind Meadows (Home Value Range: $200,000 to $400,000)This neighborhood has plenty of midsized homes and continues to develop and grow.
5. Azalea Oaks (Home Value Range: $150,000 to $275,000)This community first started construction in 1999 and features cozy homes that are reasonably priced.

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c. Employment Prospects

As of May 2021, the unemployment rate in Bartow was 5.8%, on par with the U.S. national rate but above the Florida rate of 4.9%. The poverty level in Bartow, at 18.5%, was above the national average of 10.5% in 2019.

The largest employer in Bartow is Polk County School District. Additionally, many people work for large companies like Camping World and Clean Harbors.

Bartow residents have an average commute time of 21.4 minutes.

d. Unique Attributes and Lifestyle

Bartow was founded in 1851 and is located southeast of Lakeland in central Florida. One of the largest lakes in the area, Lake Hancock, is located just north of town.

1. History. The Polk County History Center and the Wonder House are both located within city limits. The Wonder House is a private residence that was built by Conrad Schuck, an inventor from the early 1900s.
2. Science Fiction. Bartow hosts a SyFy Saturday event each year. With different themes for every event, many come dressed up as their favorite characters and reenact their favorite movie scenes.
3. Arts. Bartow’s Bloomin’ Arts Festival is held the first week of March each year. The event draws hundreds of vendors and artists, as well as plenty of spectators. The food, drinks, activities and car shows are great fun for families of all ages.

e. Education

While there are no colleges or universities located in Bartow, there are plenty of options close by. South Florida State College and Southern Technical College both specialize in small certification programs as well as two-year degrees.

The University of South Florida, located in Tampa, is just under an hour away and has over 150 college degree programs available.

There are 16 public schools and 24 private schools in the Bartow area, based on data from GreatSchools.org.

Overall, Bartow has a below-average educational infrastructure compared to similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in Bartow was slightly below the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was significantly below the national average of approximately 32%.

f. Healthcare and Safety

Bartow Regional Medical Center is the main facility located within the area. Some choose to travel a short distance to Advent Health Lake Wales, or even Winter Haven Hospital.

Bartow has 3.82 violent crimes per 1,000 residents, right around Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 30.43 property crimes per 1,000 residents, above Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

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10. Kissimmee, FL

Kissimmee is located south of Orlando in Central Florida. With access to most major roads in the area, this is a great location that connects to many other areas. The Orlando International Airport is 30 minutes north and is a major hub for most airlines.

a. Size and Population

Kissimmee has a population of 72,717 (2019 estimate) and an area just under 22 square miles. The population density is 3,496 per square mile (2019 estimate).

The population in Kissimmee grew by 7.6% from April 2010 through July 2019 (U.S. Census), which is above the overall U.S. rate of 6.3%.

b. Median Income, Cost of Living and Housing Market Characteristics

The numbers below (source: U.S. Census Quick Facts, unless otherwise indicated) show the median income, cost of living and the annual spending on housing for owned and rented properties in Kissimmee.

KISSIMMEE MEDIAN HOUSEHOLD INCOME (2019): $40,826

Kissimmee Cost of Living

• 10% Below the U.S. National Average
• 4% Lower than Jacksonville, Florida
• 52% Lower than New York, New York City
• 16% Lower than Chicago, Illinois

Kissimmee Housing Costs

Kissimmee shows a home P/E (home price to income) ratio of 4.24, based on the median home price of $173,200 and a median household income of $40,826. The U.S. average is 4.0. Therefore, it is slightly expensive to buy homes in the area.

Kissimmee shows an income to rent ratio of 2.97, based on a median household income of $40,826 and an annual spend of $13,728. Therefore, it is slightly expensive to rent properties.

In Kissimmee, 41.4% of residents own their homes.

Top Neighborhoods in Kissimmee

1. Breckenridge (Home Value Range: $325,000 to $450,000)This area is perfect for those looking for single-family homes. The neighborhood features homes with a variety of periods and styles.
2. Brownwood Acres (Home Value Range: $300,000 to $425,000)This community is great for midsized homes in lots of different styles. Most houses have a two-car garage.
3. Strafford Park (Home Value Range: $225,000 to $400,000)This neighborhood features midsize homes that are reasonably priced. The community is well established.
4. Harbour Oaks (Home Value Range: $250,000 to $375,000)This area has many large single-family homes at reasonable prices.
5. Morgan Point (Home Value Range: $225,000 to $300,000)In this community, many homes are on the smaller end, but are very affordable.

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c. Employment Prospects

As of May 2021, the unemployment rate in Kissimmee was 5.4%, which was below the U.S. national rate of 5.8% but above the Florida rate of 4.9%. The poverty rate, at 23.6%, was above the national average of 10.5%.

A large portion of Kissimmee residents work at the Walt Disney Company located just outside of Kissimmee. Give Kids the World Village is a non-profit resort in Kissimmee associated with the Walt Disney Company. Other large employers include Osceola Regional Medical Center and Orange Lake Resorts.

Kissimmee residents have an average commute time of 30.6 minutes.

d. Unique Attributes and Lifestyle

Kissimmee was incorporated as a city in 1883. There are plenty of things to do with the close proximity to Orlando.

1. Theme Parks. Disney World, Universal Studios and Sea World are all within 30 minutes of Kissimmee. Choose to ride the roller coasters or visit the free areas of the resort properties, such as City Walk or Disney Springs, for endless shopping and food.
2. Nature. Kissimmee is located off of Lake Tohopekaliga. There are plenty of parks and nature trails available to explore, including the Florida Trail Kissimmee Trailhead.
3. Food. World Food Trucks is a great spot if you’re looking to try some authentic cuisine from places like Puerto Rico, the Dominican Republic, Venezuela and more.
4. Orlando Attractions are Nearby. Downtown Orlando offers plenty to do as far as nightlife, bars, clubs and restaurants. Plenty of annual festivals are put on throughout the year where delicious food and activities are present.

e. Education

There are plenty of options for higher education in Kissimmee. Florida Technical College and Valencia College both have great campuses located nearby. Florida International College is great for those looking for a more personalized experience.

The University of Central Florida, the largest university in the country by student population, is about 45 minutes away, depending on traffic.

There are 57 public schools and 78 private schools in the Kissimmee area, based on data from GreatSchools.org.

Overall, Kissimmee has a slightly below average educational infrastructure compared to similarly sized metro areas.

Over the 2015–2019 period, the high school graduation rate in Kissimmee was below the U.S. national average of 88%. The population of adults above 25 years of age with a college degree was significantly below the national average of approximately 32%.

f. Healthcare and Safety

Kissimmee and the surrounding areas have many healthcare facilities. Osceola Regional Medical Center and Advent Health Kissimmee are both great options. Orlando Health has two locations nearby as well.
Kissimmee has 5.06 violent crimes per 1,000 residents, above Florida’s statewide median rate of 3.78 and the U.S. national median rate of 4.00. It also has 26.14 property crimes per 1,000 residents, above Florida’s statewide median of 21.46 and the U.S. national median of 21.00.

CONCLUSION

Overall, Florida is a lovely place to live and is great for those of all ages and backgrounds. With plenty of beaches, theme parks galore, an abundance of nature and sunshine all year round, you’ll find a little piece of paradise in one of these affordable cities.

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