Cheapest Places to Live in Florida

Access hyperlocal data to help you make a confident and informed decision.

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.

Marianna Population: 6,771 18% cheaper than Florida average

Med. Home Value: $156,498 Med. Rent: $1,024 Med. Household Inc.: $39,320

With a cost of living index that is 18% cheaper than the state average, Marianna 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, Marianna provides an inviting and cost-effective environment to call home.

Zephyrhills South Population: 5,360 17% cheaper than Florida average

Med. Home Value: $50,773 Med. Rent: $1,293 Med. Household Inc.: $51,985

The second most affordable city in Florida is Zephyrhills South 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.

Palatka Population: 10,701 16% cheaper than Florida average

Med. Home Value: $130,867 Med. Rent: $1,174 Med. Household Inc.: $40,433

Palatka 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.

Quincy Population: 7,382 16% cheaper than Florida average

Med. Home Value: $140,210 Med. Rent: $983 Med. Household Inc.: $53,085

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. Quincy offers a picturesque and affordable living environment, with a cost of living that is 16% 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: 14,870 15% cheaper than Florida average

Med. Home Value: $157,078 Med. Rent: $1,148 Med. Household Inc.: $61,029

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.

Starke Population: 5,625 14% cheaper than Florida average

Med. Home Value: $171,319 Med. Rent: $1,343 Med. Household Inc.: $55,345

Starke 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 14% 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.

Inwood Population: 7,469 14% cheaper than Florida average

Med. Home Value: $160,949 Med. Rent: $1,212 Med. Household Inc.: $44,535

With its cost-effective lifestyle, Inwood 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.

Brooksville Population: 8,708 14% cheaper than Florida average

Med. Home Value: $112,951 Med. Rent: $1,265 Med. Household Inc.: $49,489

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. Brooksville fits that mold and has a cost of living that is 14% cheaper than Florida.

Hernando Population: 9,319 13% cheaper than Florida average

Med. Home Value: $187,013 Med. Rent: $1,044 Med. Household Inc.: $50,212

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. Hernando is one of the most affordable cities in Florida, and has a cost of living that is 13% cheaper than the state average.

Live Oak Population: 7,073 13% cheaper than Florida average

Med. Home Value: $177,539 Med. Rent: $1,075 Med. Household Inc.: $66,168

With a cost of living that is 13% cheaper than Florida, Live Oak 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	Marianna	6,771	81	$156,498	$39,320
2	Zephyrhills South	5,360	82	$50,773	$51,985
3	Palatka	10,701	83	$130,867	$40,433
4	Quincy	7,382	83	$140,210	$53,085
5	Homosassa Springs	14,870	84	$157,078	$61,029
6	Starke	5,625	85	$171,319	$55,345
7	Inwood	7,469	85	$160,949	$44,535
8	Brooksville	8,708	85	$112,951	$49,489
9	Hernando	9,319	86	$187,013	$50,212
10	Live Oak	7,073	86	$177,539	$66,168
11	Beverly Hills	9,813	86	$167,244	$53,739
12	Belleview	5,163	86	$173,018	$62,418
13	Inverness	7,675	86	$186,798	$45,018
14	DeFuniak Springs	6,958	86	$228,992	$72,866
15	Perry	7,127	87	$174,258	$50,965
16	Avon Park	10,877	87	$148,467	$44,788
17	Zephyrhills West	5,574	87	$136,169	$53,515
18	Springfield	9,363	87	$213,464	$60,390
19	Indiantown	7,406	88	$137,245	$63,578
20	Cocoa West	6,136	88	$185,508	$43,432
21	Southeast Arcadia	9,140	88	$140,012	$43,312
22	West Pensacola	23,252	88	$132,784	$50,764
23	Fort Meade	6,360	88	$168,299	$57,264
24	Brent	22,529	89	$150,611	$59,844
25	Fort Pierce North	7,416	89	$174,094	$43,016
26	Lake City	12,638	89	$206,939	$60,084
27	South Brooksville	5,292	89	$161,003	$72,659
28	Pembroke Park	6,970	89	$85,392	$60,032
29	Combee Settlement	6,417	90	$163,033	$64,395
30	Brookridge	5,001	90	$157,881	$68,614
31	Sebring	10,710	90	$183,333	$45,968
32	Floral City	5,285	90	$248,230	$68,534
33	South Bradenton	25,620	90	$159,028	$56,992
34	Crystal Lake	6,427	90	$163,921	$50,818
35	New Port Richey	17,130	90	$178,903	$55,218
36	Holiday	21,830	90	$154,949	$54,715
37	Cocoa	20,791	90	$233,504	$66,898
38	Fellsmere	5,893	90	$190,802	$54,742
39	Silver Springs Shores	25,572	91	$217,030	$71,162
40	Beacon Square	7,302	91	$163,443	$59,348
41	South Highpoint	6,065	91	$171,785	$64,656
42	Bayonet Point	27,360	91	$177,406	$56,299
43	Micco	9,300	91	$197,588	$60,831
44	West Vero Corridor	10,908	91	$155,160	$71,564
45	Inverness Highlands South	7,394	91	$234,601	$71,272
46	Callaway	15,068	92	$276,745	$78,860
47	Warrington	16,199	92	$198,929	$60,119
48	Pahokee	6,413	92	$194,249	$44,391
49	Elfers	13,209	92	$172,642	$65,294
50	Lake Alfred	6,132	92	$247,497	$67,796

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.