10 Affordable Places to Live in Florida in 2026
Florida continues to attract new residents thanks to its warm climate, lack of state income tax, and diverse lifestyle options. However, rising housing costs in major cities like Miami and Orlando have led many buyers and renters to consider more affordable alternatives.
If you're planning a move in 2026, here are ten Florida cities that offer relatively lower housing costs while maintaining quality of life, amenities, and access to nature.
Note: Home prices and rent estimates are approximate and based on 2025–2026 market trends from public real estate platforms. Prices vary by neighborhood and market conditions.
1. Bartow, Florida
Located in Polk County between Tampa and Orlando, Bartow is known for its historic downtown and relatively affordable housing market.
- Median home price: $180,000–$240,000
- Rent: Often under $1,100 per month
Bartow offers a quieter pace of life while remaining centrally located.
2. Dade City, Florida
Situated in Pasco County, Dade City maintains a rural charm with access to the Tampa Bay region.
- Homes frequently under $250,000
- Average rent: $950–$1,300
Its historic downtown and local markets attract those seeking a slower lifestyle.
3. Pensacola, Florida
Located in Florida’s Panhandle along the Gulf Coast, Pensacola offers coastal living at prices generally lower than South Florida cities.
- Median home price: Often below $275,000
- Rent: Around $1,100–$1,500
The local economy benefits from military presence, tourism, and healthcare industries.
4. Lakeland, Florida
Positioned between Tampa and Orlando, Lakeland combines central location with moderate housing costs.
- Median home price: $230,000–$320,000
- Rental costs lower than nearby major metros
The city is known for its numerous lakes and revitalized downtown district.
5. Gainesville, Florida
Home to a major public university, Gainesville blends academic influence with relatively affordable neighborhoods.
- Homes often under $250,000
- Rent: $1,000–$1,400
Healthcare and education sectors contribute to a stable local economy.
6. Jacksonville, Florida
As Florida’s largest city by land area, Jacksonville offers diverse neighborhoods and comparatively affordable housing.
- Starter homes: $200,000–$275,000
- Rent: $1,100–$1,500
Residents benefit from riverfront living and access to Atlantic beaches.
7. Edgewater, Florida
Located south of New Smyrna Beach, Edgewater provides quieter coastal living.
- Homes often below $300,000
- Rent: $1,000–$1,400
It appeals to those interested in boating and waterfront recreation.
8. Deltona, Florida
Situated between Orlando and Daytona Beach, Deltona offers convenient highway access and suburban neighborhoods.
- Median home price: Around $300,000
- Rent: $1,200–$1,900
Many buyers choose Deltona for commute flexibility and affordability compared to nearby metros.
9. Ocala, Florida
Known for its equestrian industry, Ocala provides space, outdoor recreation, and moderate housing costs.
- Homes starting in the low $200,000s
- Rent: $1,000–$1,400
Access to parks and national forest areas adds to its appeal.
10. High Springs, Florida
Located northwest of Gainesville, High Springs is a smaller community known for natural springs and outdoor activities.
- Homes often under $250,000
- Lower rental averages compared to larger metro areas
Its proximity to rivers and freshwater springs makes it attractive to nature enthusiasts.
Affordable living in Florida often means exploring smaller cities or inland communities. While prices fluctuate, these locations generally provide better value compared to major metro areas.
Before relocating, consider housing inventory, property taxes, insurance costs, and local employment opportunities to ensure the move aligns with your financial goals.