Top10 Most Affordable Beach Towns in Florida

Top10 Most Affordable Beach Towns in Florida (Updated 2023)

For many, retiring to a Florida beach town is the ultimate dream. With endless sunshine, beautiful sandy beaches, and a plethora of activities to indulge in, it’s no wonder why. However, the growing popularity of these laid-back communities has resulted in a steady increase in prices, making it more difficult to find an affordable beach town in Florida.

Don’t let a tight budget stop you from enjoying the sun, sand, and surf. The dream of lounging on a boardwalk by the beach is still within reach if you know where to look. Fortunately, we’ve compiled a list of affordable beach towns in Florida that can help you find your perfect new home without breaking the bank.

10 Most Affordable Beach Towns in Florida


Pensacola, situated in the Florida Panhandle, is the ideal beach town for those looking for budget-friendly living by the water. With a median home value of $257,000 in 2023, Pensacola offers affordable housing options for its residents. The median cost of rent and mortgages combined is $1,232 per month, which is considerably lower than other beach towns in Florida. Additionally, the cost of living in Pensacola is below the national average, making it an excellent choice for those seeking an affordable place to live by the beach.

West Florida is a beloved location for those who seek a combination of exciting attractions and a beachside lifestyle. It’s no surprise that many retirees choose to call this place home, and it’s easy to see why!

Daytona Beach

If you’re looking for an affordable beach town in Florida, consider Daytona Beach. Yes, the same Daytona Beach that’s known for its car racing and where you can actually drive on the beach. Despite its popularity, this city is still fairly budget-friendly for locals.

Daytona Beach boasts a median home price of just $271,000, which makes it an affordable option for many who dream of owning a house. Not only that, but residents can also take advantage of the various local amenities. Racing enthusiasts, in particular, may be interested in making this place their summer home, as they can witness exciting car races right here on the tracks.

Deerfield Beach

Deerfield Beach is a popular destination for families who are looking to add some excitement to their lives. With its warm and sunny weather, this lively beach town is known for its two fantastic theme parks that cater to families of all ages. It’s a place that warmly welcomes everyone and promises a fun-filled experience.

According to our sources, the median home price in Deerfield Beach is an affordable $290,000. Additionally, residents of this charming city are known for their friendly demeanor, making it an even more desirable place to call home. Moreover, the median monthly housing cost is around $1,310, making it an ideal location for those looking for a budget-friendly yet comfortable lifestyle. With employment opportunities on the rise, Deerfield Beach is an excellent choice for anyone looking to settle down in a welcoming and thriving community.

Fort Walton Beach

If you’re searching for a location that’s easily accessible by car from popular tourist spots like the Indian Temple Mound Museum and Gulfarium Marine Adventure Park, you might want to consider the bustling city-town of Fort Walton Beach. With its ample size and proximity to these attractions, it’s an ideal option for those looking to explore the area.

This destination is perfect for those who want to experience the lavish lifestyle of a movie star without breaking the bank. It offers a wide range of options for every individual, from luxurious apartments to beautiful houses. With a median house cost of only $349,000, Fort Walton Beach is an affordable location for anyone looking to settle down.

Vero Beach

Vero Beach is a well-kept secret among travelers who are looking for an affordable resort town in Florida. Interestingly, it is also affordable for the locals. With a median home price of $362,000 as of December 2022, Vero Beach is considered one of the most economical beach towns in Florida.

If you’re looking for a place to live that’s packed with vacation-like experiences, Vero Beach is the perfect choice. With endless sunshine, fantastic restaurants, vibrant nightlife, and romantic spots aplenty, Vero Beach has it all. And with developers eyeing it as a potential hotspot, it’s a great time to invest in real estate before it’s too late.


Clearwater, Florida is a highly affordable beach town that also has a unique reputation. As the headquarters of the Church of Scientology, it attracts many devoted followers of the organization. Despite this, Clearwater remains an attractive destination for those seeking a beach getaway without breaking the bank.

Nestled in the charming town of Tampa, there are plenty of other reasons why people choose to call this place home. Apart from its serene beaches, the town also boasts of some excellent restaurants that offer an array of delectable cuisines. Surprisingly, for an average price of just $370,000, you can own a home in this beautiful and quirky resort town. It’s hard to believe, but it’s true!

Tarpon Springs

Tarpon Springs is a well-known destination for tourists. This town was once a popular beach town that was famous for its Green sponge sea divers and swordfishing. Even now, the echoes of its past can be seen in the form of local statues dedicated to divers, numerous boating events, and the thriving local food scene.

Tarpon Springs is a town that offers the perfect balance of affordability, safety, and entertainment. With a median rent of just $1,269, this town is one of the most desirable places to live that won’t break the bank. It’s a place where you can enjoy all the benefits of a great community without sacrificing your budget. So, if you’re looking for a town that offers everything you need at a price you can afford, Tarpon Springs is the perfect choice.


Located in Florida, Melbourne is a charming beach town that won’t break the bank. With its stunning ocean views and vibrant arts district, it’s no wonder why this city is a popular choice for tourists and locals alike. Whether you’re looking to relax on the beach or explore the local art scene, Melbourne has something for everyone. So pack your bags and head to this affordable paradise!

For those who are pursuing an artistic career and are struggling to make ends meet, this location could be a viable option. The reason being, the average cost of a home in this area is only $920, which is one of the most affordable options on this list.

Lake Worth

Although Lake Worth may be considered a small city or a large town, it is definitely worth considering for your next trip. This charming destination offers a little bit of everything for everyone. From family-friendly beaches to romantic getaways, Lake Worth has it all. Additionally, the city boasts a thriving business scene, making it an ideal location for both leisure and work.

Lake Worth is a perfect escape for those who want to take a break from their busy life or for those who want to settle down in a new place. The median home price of $412,000 makes this place appealing to a wide range of people. It’s no wonder that Lake Worth attracts a diverse crowd, as everyone loves a good deal, right?

North Miami Beach

Although technically not classified as a town, this area has become a popular destination for those seeking to be near a beach. Those who enjoy city life will also find much to appreciate in this region, with its vibrant nightlife and mouth-watering cuisine.

North Miami Beach is still considered one of the most affordable beach towns in Florida, but prices are on the rise. In 2023, the average home price in town was $458,000, which is still below the national average for beach towns. It is important to note that North Miami Beach does have a significant crime problem, so caution should be exercised when considering living here.

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