Cheapest Cities to Live in Florida: Top Picks for 2023

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Florida is known for its beautiful beaches, warm climate, and abundant recreational options, making it a popular destination for both tourists and new residents alike. However, the cost of living can vary significantly in such a diverse state. For those seeking an affordable lifestyle without sacrificing the perks of living in Florida, several cities offer budget-friendly options.

In this article, we will explore some of the cheapest cities to live in Florida, taking into account factors such as housing costs, utility expenses, grocery prices, and transportation costs. Our analysis will also highlight the unique characteristics of each city, providing insights into the quality of life that residents can expect. Keep reading to discover which Florida cities offer the best balance between affordability and desirable living.

Beyond the glamorous coastal hotspots and bustling urban centers, Florida boasts several hidden gems where residents can enjoy a cost-effective and comfortable lifestyle. From smaller towns with a tight-knit community feel to cities offering a range of amenities and employment opportunities, these affordable locations truly represent the best of both worlds in the Sunshine State.

Factors Influencing Cost of Living

When considering the cost of living in any city, there are several factors that contribute to the overall expenses. In Florida, these factors can vary depending on the location. Let’s explore the main components affecting the cost of living in the Sunshine State.


Housing is one of the most significant contributors to the cost of living. In some cities, the cost of purchasing a home or renting an apartment may be relatively low compared to other states. Affordable housing options can include smaller apartments or homes further away from the city center. It’s essential to research current housing prices and rental rates in the area to determine if they fall within your budget.


Transportation costs can vary in Florida’s cities, depending on factors such as public transport availability and gas prices. Some cities provide extensive public transportation options, including buses and trains, lowering the cost of getting around. On the other hand, cities with limited public transportation options may require residents to rely more on personal vehicles, increasing their overall transportation expenses.


Grocery expenses can fluctuate depending on the city that you live in. In Florida, the cost of groceries may be influenced by factors such as the availability of local produce, regional distribution centers, and competition between supermarkets. Shopping in towns and cities closer to farms and distribution centers can lead to lower prices due to reduced transportation costs.


Utilities, such as electricity, water, and gas, can be another factor affecting the cost of living. In some areas, residents may enjoy lower utility rates due to efficient energy production and usage. It’s crucial to research the average utility costs in the area you’re considering to ensure that they align with your budget.


Healthcare costs can vary significantly in different cities. Factors such as the availability and quality of healthcare providers, as well as insurance coverage, can influence these expenses. It’s essential to research healthcare options in your desired city and compare out-of-pocket costs to ensure affordable and accessible healthcare.

Cheapest Cities in Florida

Florida is known for its beautiful beaches, sunny weather, and various attractions. However, the cost of living can be a concern for many potential residents. Luckily, there are several affordable cities in Florida that offer a lower cost of living without sacrificing quality or convenience.

Palm Coast

Palm Coast is located on the northeastern coast of Florida and offers an affordable living environment. The cost of living in Palm Coast is below the national average, making it an attractive choice for those on a tight budget. With an abundance of parks, nature reserves, and access to beaches, it offers attractive recreation options for residents.

Fort Pierce

Fort Pierce, situated on the southeastern coast of Florida, offers a combination of affordability, beautiful waterfront vistas, and diverse attractions. The cost of living here also falls below the national average. The city boasts a rich history, with historic downtown housing various cultural centers, as well as plenty of fishing and boating opportunities for outdoor enthusiasts.


Sebring is an inland city that appeals to those who enjoy a tranquil lifestyle. Known for its affordable housing options, Sebring is popular among retirees and young families alike. The city offers a variety of recreational activities, including golf courses, lakes, and parks. Sebring is also home to the Sebring International Raceway, which hosts various racing events throughout the year.


Jacksonville, the largest city in Florida, offers a relatively low cost of living compared to other major cities in the state. With its diverse economy and ample job opportunities, the city attracts people from various walks of life. In addition to affordable housing, Jacksonville has beautiful beaches, a vibrant cultural scene, and many excellent dining options.

New Smyrna Beach

New Smyrna Beach, located on the east coast of Florida, is a popular choice for people seeking a relaxed, beachside lifestyle. The city’s cost of living is lower than the state average, making it an affordable option for those wanting to live in a beach town. Attractions in the area include the historic Canal Street district, filled with unique shops and eateries, and the beautiful Smyrna Dunes Park.


DeLand, situated in central Florida, is an appealing destination for its affordability and small-town charm. The cost of living here is below the national average, making it an attractive option for both families and retirees. Rich in culture, DeLand is home to the Athens Theatre and the Museum of Art-DeLand. Surrounded by natural beauty, residents can enjoy nearby springs, parks, and trails.

Living Experience in Florida’s Cheapest Cities

Florida is known for its sunny weather, beautiful beaches, and vibrant culture. However, living in the Sunshine State can be expensive, especially in popular cities like Miami and Orlando. Fortunately, there are some more affordable options for those looking to enjoy everything Florida has to offer.

Gainesville is one of the cheapest cities to live in Florida. Home to the University of Florida, the city boasts a youthful atmosphere and a strong sense of community. Residents of Gainesville can take advantage of numerous outdoor activities, like hiking and kayaking, thanks to its close proximity to several national parks. The cost of living in this city is considerably lower than the Florida average, with affordable housing and a reasonable cost of living.

Another budget-friendly option is Palm Coast, located along Florida’s northeast coast. This city offers a mix of beach-town living and suburban convenience, making it an ideal location for families and retirees. The cost of living in Palm Coast is below the national average, and the city has plenty of amenities, including abundant parks and a growing arts scene.

Ocala is a mid-sized city situated in central Florida, offering an affordable living experience and a slower-paced lifestyle. Known as the horse capital of the world, the city has a strong equestrian culture and is surrounded by scenic farmland. The cost of living in Ocala is significantly lower than the national average, and the city’s residents have access to a variety of recreational activities, like golfing and fishing.

In Florida’s panhandle region, Pensacola provides an affordable coastal living experience. With its white sandy beaches and crystal-clear waters, the city attracts both tourists and locals who enjoy a variety of water sports, including boating, fishing, and scuba diving. The cost of living in Pensacola is quite low, with housing prices well below the national average. If you decide to purchase a boat, you should look into the required USCG vessel documentation and other registration documents. You may also want to look for a boat storage facility where you can keep your boat when not in use.

These are just a few of the many affordable cities in Florida that offer a diverse living experience. By choosing one of these locations, residents can enjoy the perks of living in the Sunshine State without breaking the bank.

Tips for Moving to a Cheaper City in Florida

When considering a move to a more affordable city in Florida, it’s essential to plan and research beforehand. One critical aspect is understanding the cost of living in different areas. Some cities in Florida with a lower cost of living include Palatka, Titusville, Fort Pierce, and Ocala.

Housing: Buying or renting a house is typically a person’s most significant expense. It’s crucial to check online listings, contact local real estate agents, and visit neighborhoods to get a sense of property prices. In cheaper cities, one might find lower prices for larger or newer properties.

Transportation: Public transportation options and the proximity to major highways can influence the cost of commuting. In places where public transit is limited, owning a car may be necessary, so individuals should factor in fuel, insurance, and maintenance costs.

Groceries and Dining: Costs of groceries and dining out can vary between cities. Farmers’ markets, discount supermarkets, and family-owned eateries tend to have lower prices compared to upscale grocery stores and dining establishments. Acquiring local recommendations can be helpful in finding affordable options.

Entertainment and Recreation: Inexpensive recreational activities such as visiting parks, beaches, and hiking trails are abundant across Florida. By participating in these lower-cost options, one can effectively save money while enjoying leisure time.

Job Opportunities: Employment prospects should also be considered when moving to a cheaper city. Seeking cities with a diverse job market and opportunities in multiple sectors can increase the likelihood of finding a well-paying job.

Doing thorough research, planning, and evaluating personal wants and needs help ensure a smooth transition when moving to a more affordable city in Florida.


After considering various factors and analyzing the cost of living, it is clear that Florida offers a diverse range of affordable cities to choose from. In these cities, residents can enjoy a comfortable lifestyle while keeping their expenses low.

Some standout cities include Lakeland, Pensacola, and Tallahassee, which consistently draw attention for their budget-friendly living costs, along with ample amenities and strong job markets, making them attractive options for those seeking affordability.

  • In Lakeland, housing prices remain relatively low, and the city boasts a diverse economy, abundant outdoor recreation, and a charming downtown area.
  • Pensacola offers a coastal lifestyle without the typical coastal costs, combining affordable living with beach access and a strong tourism industry.
  • As the state capital, Tallahassee has a stable economy built around government and education sectors. It also has the added benefit of being home to several universities, enriching the city’s cultural and social scenes.

It’s essential to keep in mind that every individual’s needs and preferences are unique. Therefore, it’s beneficial to thoroughly research and visit potential cities to better understand which location may be the best fit for you. With a diverse array of affordable cities, Florida provides an extensive selection for those looking to make a budget-conscious move.


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