Cheapest Places to Live in Florida

Florida, known for its sunny weather, beautiful beaches, and diverse cultural attractions, is a state that offers a wide range of living experiences. Iconic landmarks include Walt Disney World, the Everglades National Park, and the Kennedy Space Center. The state's economy is robust, driven by sectors such as tourism, agriculture, and aerospace. Florida's tax structure is also quite favorable, with no state income tax and relatively low property taxes, making it an attractive place for those seeking affordability. Despite recent inflation and rising food costs, Florida remains a state where affordable living options can be found, particularly in areas away from the major metropolitan centers. The state's combination of favorable tax policies and diverse economic opportunities makes it a compelling place for residents seeking a balance between affordability and quality of life.

Affordable living in Florida can often be found in smaller towns and suburban areas where housing costs and everyday expenses are lower. These regions provide a more manageable cost of living, essential for maintaining financial stability. Affordability is a key factor in livability, as it allows residents to enjoy a comfortable lifestyle without excessive financial strain. Factors contributing to the cheapest places to live in Florida include lower housing demand in less populated areas, supportive local economic policies, and efficient public services. The C2ER's cost of living data helps identify these affordable regions, ensuring that potential residents can make informed decisions. In a state known for its recreational opportunities and vibrant culture, finding affordable living options enhances the overall experience of living in Florida.

Zephyrhills South Population: 5,248 19% cheaper than Florida average

Med. Home Value: $29,000 Med. Rent: $847 Med. Household Inc.: $35,436

With a cost of living index that is 19% cheaper than the state average, Zephyrhills South is the cheapest place to live in Florida. This area offers residents a remarkable blend of relatively low housing costs, budget-friendly grocery prices, affordable utilities, and economical health care services, making it an attractive destination for those seeking to stretch their dollars further. Whether you're a young professional, a growing family, or someone looking to enjoy a more relaxed pace of life, Zephyrhills South provides an inviting and cost-effective environment to call home.

Palatka Population: 10,388 17% cheaper than Florida average

Med. Home Value: $74,600 Med. Rent: $763 Med. Household Inc.: $27,143

The second most affordable city in Florida is Palatka and stands out for its cost-effective lifestyle. With an overall cost of living that is 17% cheaper than the Florida average, overall goods and services, housing, utilities, transportation and health care costs fall within a reasonable range. Median household income levels are steady and come in at , which helps to increase the purchasing power of the local residents.

Quincy Population: 7,237 16% cheaper than Florida average

Med. Home Value: $79,500 Med. Rent: $650 Med. Household Inc.: $35,609

Quincy lands in the #3 spot for the cheapest cities to live in Florida, with a cost of living that is 16% cheaper than the state average. With home prices averaging and rental rates coming in around , it helps that household income levels average about , which assists with paying the mortgage or your monthly rent. Its robust public school system and accessible health care further enhance its appeal, making it a great place to settle down. The strong community spirit and ample recreational opportunities add to its charm.

Brooksville Population: 8,384 15% cheaper than Florida average

Med. Home Value: $64,500 Med. Rent: $840 Med. Household Inc.: $33,441

The cost of everyday grocery items, goods & services and of course housing, can have a significant impact on the overall cost of living in any area. Brooksville offers a picturesque and affordable living environment, with a cost of living that is 15% cheaper than the state average. Everyday items like ground beef , eggs , coffee and pizza are all fairly reasonable compared to most other cities, which helps reduce those grocery bills. Home prices are also fairly affordable (compared to the state average), coming in at around .

Homosassa Springs Population: 14,566 15% cheaper than Florida average

Med. Home Value: $86,500 Med. Rent: $750 Med. Household Inc.: $40,387

For those wanting to live well on a budget, Homosassa Springs is ideal, with a cost of living that is 15% cheaper than the state average. Reasonable housing prices (compared to the Florida average) of and rental prices of are paired with economical goods and services and a range of free or low-cost recreational activities. The city's proactive economic development initiatives also ensure a steady stream of job opportunities, making it a smart choice for those prioritizing financial ease.

Avon Park Population: 10,539 15% cheaper than Florida average

Med. Home Value: $80,400 Med. Rent: $733 Med. Household Inc.: $30,574

Avon Park comes in at #6 on our list of the cheapest cities in Florida and is a haven for those seeking affordability without sacrificing convenience. The city is known for its discount shopping centers and budget-friendly dining options and has a cost of living that is 15% cheaper than Florida. The city's local markets provide fresh produce and other groceries at reduced prices, while parks and community centers offer free entertainment and leisure. This city is perfect for enjoying a high quality of life at a low cost.

Zephyrhills West Population: 5,409 14% cheaper than Florida average

Med. Home Value: $74,100 Med. Rent: $833 Med. Household Inc.: $36,090

With its cost-effective lifestyle, Zephyrhills West is an attractive destination for those looking to live affordably. The city boasts suitable housing costs, affordable healthcare, and a variety of budget-friendly dining options. The community is welcoming and vibrant, providing residents with a rich social life at a fraction of the cost. Median income levels come in at , which provides financial stability, purchasing power and increases the quality of life in the city.

Hernando Population: 8,977 14% cheaper than Florida average

Med. Home Value: $102,200 Med. Rent: $691 Med. Household Inc.: $34,167

A lower cost of living allows individuals to manage their expenses more effectively, reducing the risk of financial stress and debt. When essential costs such as housing, food, transportation, and healthcare are more affordable, people can achieve greater financial stability and resilience. Hernando fits that mold and has a cost of living that is 14% cheaper than Florida.

Marianna Population: 6,607 14% cheaper than Florida average

Med. Home Value: $87,600 Med. Rent: $671 Med. Household Inc.: $26,747

Lower living costs can lead to a higher quality of life by making it easier for people to afford comfortable housing, nutritious food, and access to healthcare. It can also provide opportunities for better education, recreational activities, and community engagement, contributing to overall well-being. Marianna is one of the most affordable cities in Florida, and has a cost of living that is 14% cheaper than the state average.

Beverly Hills Population: 9,484 14% cheaper than Florida average

Med. Home Value: $90,500 Med. Rent: $877 Med. Household Inc.: $35,883

With a cost of living that is 14% cheaper than Florida, Beverly Hills comes in at #10 on our list of the cheapest places to live in Florida. Financial stress is a significant factor affecting mental and physical health. By lowering the cost of living, individuals can experience reduced anxiety related to meeting monthly expenses, thereby improving overall health and well-being. The ability to afford basic necessities without constant worry contributes to a more balanced and fulfilling life.

Full list of the cheapest places in Florida

Rank	Location	Population	COL Index	Med. Home Value	Med. Household Inc.
1	Zephyrhills South	5,248	79	$29,000	$35,436
2	Palatka	10,388	81	$74,600	$27,143
3	Quincy	7,237	82	$79,500	$35,609
4	Brooksville	8,384	83	$64,500	$33,441
5	Homosassa Springs	14,566	83	$86,500	$40,387
6	Avon Park	10,539	83	$80,400	$30,574
7	Zephyrhills West	5,409	84	$74,100	$36,090
8	Hernando	8,977	84	$102,200	$34,167
9	Marianna	6,607	84	$87,600	$26,747
10	Beverly Hills	9,484	84	$90,500	$35,883
11	Live Oak	6,929	85	$96,700	$44,505
12	Belleview	5,028	85	$96,600	$41,085
13	West Pensacola	22,418	85	$74,600	$34,546
14	Inverness	7,399	85	$105,600	$30,308
15	Indiantown	7,125	85	$78,400	$43,406
16	Perry	6,884	85	$95,500	$34,788
17	Fort Meade	6,163	85	$92,900	$38,728
18	Brent	21,816	86	$81,700	$39,424
19	Inwood	7,196	86	$87,100	$29,706
20	Starke	5,415	86	$97,100	$37,737
21	South Brooksville	5,098	86	$89,100	$48,016
22	Fort Pierce North	7,199	87	$98,500	$28,933
23	Holiday	21,006	87	$83,900	$37,256
24	Combee Settlement	6,173	87	$93,100	$43,250
25	New Port Richey	16,542	87	$99,500	$36,798
26	Crystal Lake	6,211	87	$92,400	$33,640
27	Beacon Square	7,031	87	$91,100	$40,211
28	Sebring	10,454	87	$104,200	$30,655
29	South Highpoint	5,844	88	$94,000	$44,010
30	Bayonet Point	26,704	88	$97,400	$37,463
31	Fellsmere	5,692	88	$107,100	$37,143
32	Warrington	15,710	88	$108,400	$40,115
33	Southeast Arcadia	8,859	88	$79,600	$29,052
34	Lake City	12,166	88	$117,300	$40,397
35	Micco	8,990	88	$107,400	$40,759
36	Elfers	12,915	88	$94,400	$43,317
37	Floral City	5,158	89	$140,900	$45,934
38	Zephyrhills	16,062	89	$117,200	$36,799
39	West Vero Corridor	10,507	89	$87,700	$48,083
40	Silver Springs Shores	24,911	89	$123,100	$48,064
41	Pembroke Park	6,716	89	$47,100	$40,024
42	DeFuniak Springs	6,696	89	$125,900	$49,663
43	Cocoa West	5,966	89	$105,900	$29,623
44	East Milton	14,388	89	$120,200	$53,178
45	South Bradenton	24,885	90	$90,400	$38,656
46	New Port Richey East	10,651	90	$113,300	$38,313
47	Inverness Highlands South	7,114	90	$131,800	$47,394
48	Jasmine Estates	22,572	90	$109,900	$37,663
49	Arcadia	8,187	90	$113,600	$34,003
50	Kathleen	6,402	90	$127,600	$49,737

Methodology

To formulate the list of the cheapest places to live in Florida, AreaVibes utilized comprehensive data from the Council for Community and Economic Research (C2ER) cost of living index. The report is released annually and offers a detailed comparison of living expenses across various urban areas. The data is meticulously gathered by over 300 independent researchers, ensuring a high level of accuracy and reliability. The C2ER index encompasses more than 60 goods and services, categorized into six essential areas that significantly impact the cost of living. These categories and their respective weightings in the index are as follows: goods and services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%), and utilities (10%).

Map of Cost of Living by State

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The map above is a great way to help you discover the most affordable states across the U.S. By highlighting states with the lowest cost of living, this map provides an in-depth look at where you can get the most value for your money. By visually representing this data, the map allows users to easily compare different regions and make informed decisions about potential relocations or investments. Additionally, it provides valuable insights into the economic conditions and lifestyle factors that influence these cost of living statistics. Whether you're planning a move, considering a new job, or simply curious about the economic landscape, this map is a useful resource for understanding and navigating the financial implications of living in different states.