The 10 Most Affordable Cities to Live in Florida (2026 Edition)
Florida continues to attract new residents thanks to its warm climate, beaches, and no state income tax. While some areas are expensive, there are still cities offering affordable housing and reasonable living costs.
Below are 10 of the most affordable cities in Florida that are not only budget-friendly but also livable and practical.
10. Kissimmee, Florida
Located just south of Orlando, Kissimmee offers affordable living near world-famous attractions like Walt Disney World. The local economy is supported by tourism and hospitality, but the city also features residential neighborhoods, lakes, and nature preserves.
- Median Home Price: $330,000
- Average 1-Bedroom Rent: $1,566
- Cost of Living Index: 104
9. Bartow, Florida
Bartow is a historic inland city known for its charming downtown and slower pace of life. Agriculture and government services drive the local economy.
- Median Home Price: $238,000
- Median Rent: $1,064
- Cost of Living Index: 103
8. Edgewater, Florida
Edgewater offers coastal living near New Smyrna Beach at a more affordable price. It’s popular for boating, fishing, and quiet residential life.
- Median Home Price: $334,000
- Median Rent: $1,659
- Cost of Living Index: 99
7. Jacksonville, Florida
Jacksonville is Florida’s largest city by land area. It offers beaches, a strong job market, and relatively affordable housing compared to other major Florida metros.
- Median Home Price: $300,000
- Median Rent: $1,315
- Cost of Living Index: 97
6. Lakeland, Florida
Situated between Tampa and Orlando, Lakeland is known for its lakes and historic architecture. It’s a commuter-friendly city with family-oriented neighborhoods.
- Median Home Price: $315,000
- Median Rent: $1,340
- Cost of Living Index: 94
5. Panama City, Florida
Panama City offers Gulf Coast beaches at lower prices than South Florida. Tourism and military installations help support the economy.
- Median Home Price: $315,000
- Median Rent: $1,246
- Cost of Living Index: 94
4. Gainesville, Florida
Home to the University of Florida, Gainesville combines college-town energy with affordable housing and strong healthcare employment.
- Median Home Price: $290,000
- Median Rent: $1,251
- Cost of Living Index: 90
3. Deltona, Florida
Located between Orlando and Daytona Beach, Deltona is a suburban commuter city with quiet neighborhoods and reasonable housing prices.
- Median Home Price: $310,000
- Median Rent: $1,584
- Cost of Living Index: 90
2. Lake City, Florida
Lake City offers some of the lowest housing prices in Florida. Surrounded by forests and lakes, it provides peaceful, small-town living.
- Median Home Price: $265,000
- Median Rent: $935
- Cost of Living Index: 89
1. Pensacola, Florida
Pensacola ranks as one of the most affordable coastal cities in Florida. With beautiful beaches, a historic downtown, and a strong military presence, it combines scenic living with reasonable costs.
- Median Home Price: $283,000
- Median Rent: $1,340
- Cost of Living Index: 88
Florida still offers affordable living options — especially compared to high-cost states like California or New York. Whether you prefer coastal living, suburban comfort, or a college-town atmosphere, these cities provide solid options at reasonable prices.