Living in a Florida beach town is a dream come true for many, but with steadily increasing prices, finding affordable options can be challenging. Despite this, there are still some cheap beach towns in Florida worth considering. While Pensacola takes the crown for the cheapest beach town in Florida, there are several other budget-friendly options to explore. Keep reading to discover the most affordable beach towns in Florida.
10 Most Affordable Beach Towns in Florida
- Daytona Beach
- Deerfield Beach
- Fort Walton Beach
- Vero Beach
- Tarpon Springs
- Lake Worth
- North Miami Beach
Pensacola, situated in the Florida Panhandle, is considered the most affordable beach town in Florida. With its waterfront living, residents can enjoy a comfortable lifestyle without breaking the bank. As of 2023, the median home value in Pensacola is $257,000, and the median cost of housing, which includes rent and mortgages, is only $1,232 per month. Moreover, the cost of living in Pensacola is significantly lower than the national average, making it a desirable and affordable place to reside near the beach.
West Florida is a popular spot for those who crave fun attractions and beachside living. It’s no wonder that many retirees choose to call this place home.
2. Daytona Beach
Believe it or not, Daytona Beach is one of the most affordable beach towns in Florida. Yes, the same Daytona Beach where you can drive your car on the sand and that gained fame for its racing history. Despite being a city, this place is reasonably priced for the locals.
Daytona Beach boasts a median home price of just $271,000, which opens doors for those who may not have been able to afford a home elsewhere. With affordable housing, residents can enjoy all that the city has to offer, including exciting local amenities. Racing enthusiasts, in particular, may find Daytona Beach to be an ideal location for a summer home, as they can witness thrilling car races firsthand.
3. Deerfield Beach
Deerfield Beach is an ideal destination for families seeking some fun under the sun. This lively beach town is renowned for its warm climate and is home to not one, but two theme parks, making it a popular choice for families seeking adventure and entertainment.
According to sources, Deerfield Beach locals are known for their friendly demeanor. The city has experienced a recent surge in employment opportunities, which is great news for residents. Currently, the median home price in this area is only $290,000, with a median monthly housing cost of around $1,310.
4. Fort Walton Beach
If you’re searching for a location within easy driving distance of the Indian Temple Mound Museum and Gulfarium Marine Adventure Park, Fort Walton Beach might just be the perfect fit. This bustling city-town offers plenty of space and amenities to explore during your stay.
This place is perfect for those seeking an affordable yet luxurious lifestyle. You don’t have to be a movie star to feel like one here. From houses to luxury apartments, there is something for everyone. With a median house cost of only $349,000, Fort Walton Beach is accessible to the average person.
5. Vero Beach
Vero Beach is a hidden gem among the affordable Florida beach towns. This resort town is not only budget-friendly for travelers but also for locals. The median home price in Vero Beach as of December 2022 stands at $362,000, making it one of the most reasonably priced beach towns in Florida.
If you’re living in Vero Beach, then you’re already experiencing the best of what vacationers usually enjoy. The sun, an array of restaurants, a vibrant nightlife, and romantic spots are all available to you. It’s no wonder why developers might find Vero Beach an attractive location to invest in. So, if you’re interested in owning real estate in this beautiful city, don’t hesitate to grab the opportunity while you still can.
Clearwater, located in Florida, is known to be one of the most budget-friendly beach towns. What sets it apart is its association with the Church of Scientology, which has its headquarters established here. For those who are dedicated followers of the organization, this fact could be considered a positive aspect of the town’s reputation.
Tampa may seem like a quiet town, but it has much more to offer than just a peaceful atmosphere. It boasts top-notch restaurants and breathtaking beaches that are worth exploring. Surprisingly, owning a home in this upscale and peculiar resort town is achievable with a median price of only $370,000. It’s hard to believe, but it’s true!
7. Tarpon Springs
Tarpon Springs, a former beach town known for its Green sponge sea divers and swordfishing, remains a beloved tourist destination. The town still bears traces of its history, evident in the various local statues honoring divers, frequent boating events, and delectable local food spots.
Tarpon Springs offers a rare combination of affordability, safety, and entertainment. With a median rent of just $1,269, it is one of the most pleasant towns you can afford, considering it is significantly lower than the national average. Choosing Tarpon Springs means you can enjoy a comfortable lifestyle without breaking the bank.
Melbourne, a small yet captivating beach town in Florida, is known for its affordability. While the city boasts stunning ocean views, it also has a thriving arts district that adds to its charm.
If you’re a struggling artist looking for an affordable place to live, this location could be just what you need. The area boasts a median home cost of only $920, which is incredibly low compared to other places on this list.
9. Lake Worth
Lake Worth may be a small city, but it offers something for everyone and should not be overlooked. From family-friendly beaches to romantic getaways, Lake Worth has it all. In addition, the city boasts a surprisingly robust business scene, making it a well-rounded destination.
Lake Worth is a destination that people flock to either to escape the hustle and bustle of daily life or to find a new place to reside. The median home price of $412,000 makes it a desirable location for a diverse group of individuals. It’s no surprise that Lake Worth attracts a wide range of people as everyone loves a good deal.
10. North Miami Beach
Although it may not be considered a town, this location remains a highly sought-after destination for those looking to be near a beach. The region is particularly attractive to individuals who enjoy city living, with its vibrant nightlife and exquisite cuisine.
North Miami Beach remains one of Florida’s most affordable beach towns, but the prices are rapidly increasing. In 2023, the average home price in the town was $458,000, which is below the national average for beach towns. However, it is important to note that the town has a serious crime problem, so caution is advised.
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