Florida has long been the gold standard for active adult living. Countless retirees reside here, enjoying year-round sunshine, no state income tax, and a laid-back lifestyle that prioritizes leisure and community. From pristine beaches to world-class golf courses, the Sunshine State offers an unmatched quality of life.
However, as housing costs have risen across the state recently, many budget-conscious retirees worry they’ve been priced out. Fear not: Affordable options still exist for those willing to look beyond the most expensive coastal markets.
Yes, luxury communities dominate headlines. However, numerous well-established 55+ communities with homes priced under $100,000 offer exceptional value without compromising the amenities and lifestyle features that make retirement living special.
We’ve researched Florida’s most affordable 55+ communities with homes currently listed under $100,000. From the southwest to the northwest, and from the east coast to the west coast, these properties offer retirees the chance to stretch their retirement dollars while enjoying resort-style amenities, social activities, and a warm climate.
Boynton Beach
In Palm Beach County, Boynton Beach offers retirees a prime setting between Boca Raton and West Palm Beach, with beaches, shopping, and Arthur R. Marshall Loxahatchee Wildlife Refuge.
Hunters Run
Below $100k – Low $1Ms
Hunters Run is a master-planned community with 1,650 single-family, attached, and condo homes across 23 neighborhoods. The residents enjoy three championship golf courses as well as a 145,000-square-foot clubhouse with dining venues, tennis and pickleball courts, and a resort-style pool and spa.
Village Royale on the Green
Below $100k – Mid $200ks
Geared for downsizing, this friendly, established active adult community has 880 resale condominiums. These low-maintenance homes, ranging from 728 to 1,153 square feet, feature upgrades such as granite countertops and stainless steel appliances. The property also has two pools, tennis courts, clubhouses, and Florida’s golden beaches just minutes away.
Bradenton
Bradenton is situated on Florida’s Gulf Coast and combines small-town charm with big-city amenities. It offers easy access to nearby beaches on the Gulf Coast, including Anna Maria Island. Also, retirees appreciate its cultural attractions and a lower cost of living compared to other coastal destinations.
Bayshore on The Lake Condominiums
Below $100k – High $100ks
Bayshore on The Lake Condominiums is a 55+ active adult community with 1,010 maintenance-free condominiums. These cozy homes range from 738 to 1,326 square feet and feature one or two bedrooms. Bayshore’s amenities include a clubhouse with a library, two resort-style pools, a spa, a fishing lake with a pier, shuffleboard courts, and barbecue areas. This property is located minutes from golf courses, shopping, health care facilities, and Sarasota-Bradenton International Airport.
Burgundy Condominiums
Below $100k – Mid $100ks
With just 287 resale units in two-story buildings, Burgundy Condominiums is a real find for budget-conscious 55+ home seekers. These condos offer open layouts and modern updates like new countertops. The property amenities include a clubhouse, a heated pool and whirlpool spa, tennis courts, and shaded picnic spots. Also, shopping, dining, health care, and golf courses are nearby.
Delray Beach
Known as “The Village by the Sea,” Delray Beach is the ideal blend of coastal living and cultural sophistication. Its appealing downtown area and beautiful Atlantic beaches are just minutes away from these active adult communities.
Kings Point in Delray Beach
Below $100k – High $200ks
Perfectly situated in Palm Beach County, this 55+ community features over 7,000 condos and a diverse range of amenities. Residents have access to three clubhouses, featuring fitness centers, pools, and sports courts. The homes, which range from one to two bedrooms, include screened porches. The community also offers social clubs, events, and easy access to health care and nearby beaches.
Villages of Oriole
Below $100k – Low $800ks
Villages of Oriole has 13,280 resale condos, attached homes, and single-family homes. Its residents spend quality time at the large clubhouse/amenity center, which has a pool as well as tennis and pickleball courts. The beach is just a short drive away, and other nearby landmarks include Delray Beach Golf Club and Cornell Art Museum.
Lake Worth
Located 12 miles north of Delray Beach, this Palm Beach County city is also close to beaches, upscale resorts, and a thriving arts district. It’s also known for its eclectic shops, casual and fine restaurants, and historic pier. We’ve selected four affordable retirement communities in Lake Worth for your consideration.
Murray Hill
Below $100k – Mid $100ks
As one of the smaller 55+ communities in Florida under $100,000, Murray Hill is packed with possibilities for 55+ homebuyers. It has 328 condos, a clubhouse, a pool, and a hassle-free lifestyle. It also has a performance/movie theater and an arts and crafts studio.
Lake Clarke Gardens
Below $100k – Low $200ks
Lake Clarke Gardens offers 855 low-maintenance condos ranging from 744 to 1,080 square feet with features like screened porches and storm shutters in some units. Residents enjoy a welcoming clubhouse, a fitness center, pools, and walking trails. This 55+ community is 20 minutes from West Palm Beach and 15 minutes from Palm Beach International Airport.
Poinciana
Below $100k – Low $300ks
With 1,345 condo, attached, and single-family homes, Poinciana has something for everyone. There are seven condo buildings with elevators in this community as well as a limited number of attached and single-family homes. This resort-style golf community also has an 18-hole course, outdoor pools, walking trails, and clubhouses.
Lucerne Lakes
Below $100k – High $600ks
Also featuring various home sizes, Lucerne Lakes has 1,500 condos as well as attached and single-family homes. On the property, you’ll see five condo buildings, single-story townhomes, and single-family homes with attached garages. The long list of onsite amenities includes an 18-hole public golf course, a performance/movie theater, and a clubhouse.
Lauderhill
Located in north-central Broward County and six miles west of Fort Lauderdale, Lauderhill has well-priced 55+ communities with year-round sunshine, numerous parks, and a vibrant Caribbean community.
Castle Gardens
Below $100k – Low $300ks
With over 900 condo and single-family homes, Castle Gardens has a prime location close to beaches and area landmarks. The condos have open concept floor plans and modern kitchens; some offer screened-in balconies. In addition to the expected amenities like a clubhouse and pools, this community has a courtesy bus, a bowling alley, and a media room.
Las Vistas
Below $100k – Mid $200ks
Las Vistas is an ideal 55+ condo community situated on 17 acres, featuring 431 low-maintenance homes built into secure, low-rise buildings. Homeowners appreciate the spacious bedrooms, private balconies or patios, and upgrades like hardwood floors. Las Vistas also has standard Floridian amenities, like a clubhouse, an outdoor pool, and lovely landscaped grounds.
Margate
Just six miles west of Pompano Beach, Margate offers retirees a quiet suburban atmosphere close to the Everglades and the beaches. It’s a safe and diverse community with a variety of dining options and entertainment venues, making it an attractive option for homebuyers seeking 55+ communities in Florida under $100,000.
Oriole Gardens
Below $100k – High $100ks
This active adult community features 1,413 condominiums, divided into three distinct neighborhoods. It also has three clubhouses with fitness centers, five resort-style pools, a performance/movie theater, and a ballroom. Oriole Gardens homeowners have everything nearby, including Winn-Dixie, Costco, Target, CVS, and health care providers like Broward Health Coral Springs.
Oriole Golf & Tennis Club
Below $100k – High $100ks
This next condo property has 781 units with open floor plans and onsite carport parking. Additionally, many of these homes have upgrades like hardwood flooring and quartz countertops. Oriole Golf & Tennis Club also has desirable onsite amenities like a pool, a clubhouse, and its namesake golf course.
Royal Park Gardens
Below $100k – Low $300ks
This 55+ community features 466 condos ranging from 600 to 1,100 square feet, equipped with amenities such as master suites with walk-in closets, updated eat-in kitchens, and enclosed patios. It’s near beaches, health care, and shopping outlets. The onsite perks include three swimming pools, a fitness center, and community transit; residents also have assigned parking spaces.
St. Petersburg
This “Sunshine City” has undergone a renaissance in recent years, emerging as a cultural hub with museums, galleries, and waterfront dining options. Fortunately, St. Petersburg still offers affordable retirement communities for budget-conscious buyers.
Terrace Park of Five Towns
Below $100k – High $300ks
As a well-established 55+ community in St. Petersburg, Terrace Park of Five Towns has 1,328 condos with one to two bedrooms and bathrooms. The resort-style amenities include two clubhouses, six pools, and fitness centers. Most of these condos have screened-in patios or porches, master suites with en-suite bathrooms, and modern kitchens.
Paradise Shores
Below $100k – Mid $100ks
Paradise Shores is situated near Tampa, offering convenient access to shopping, health care, parks, golf courses, and entertainment venues. It offers one- to two-bedroom condos, a welcoming clubhouse, an outdoor pool and patio, and a fun Tiki Hut barbecue area. The reasonable prices attract retirees from different parts of the country who appreciate the value they can get for their investment.
Stuart
Stuart, the “Sailfish Capital of the World,” is located on Florida’s Treasure Coast about 10 miles south of Port St. Lucie. It’s known for its thriving arts and culture scene, fun downtown area, and the Florida Oceanographic Society Coastal Center.
Cedar Pointe Villages
Below $100k – Mid $200ks
Cedar Pointe Villages offers 480 condos housed in several buildings, featuring carport parking and cozy breakfast nooks. You’ll appreciate the indoor and outdoor amenities, which include five pools and patios, a performance theater, and laundry facilities.
Monterey Yacht & Country Club
Below $100k – High $100ks
This gated 55+ community features 510 low-maintenance condominiums, two clubhouses, a nine-hole golf course, a swimming pool, and access to the St. Lucie River. Some of these sought-after units have screened-in porches or patios, master bedrooms with en-suite bathrooms, and upgraded appliances. The larger units may have guest rooms, and all have assigned outdoor parking spots.
Vista Pines
Low $100ks – High $100ks
Just a short walk from the beach, shopping, and dining, Vista Pines has 517 one- or two-bedroom condos in low-rise buildings. The community’s clubhouse is its social hub, with a lovely outdoor pool and deck. Other amenities include well-landscaped streets and wide sidewalks, a shuffleboard court, and a fitness center.
Sun City Center
This master-planned community in Hillsborough County is an unincorporated census-designated area specifically designed for active adults. It offers golf courses, clubs, and activities, along with some of the most affordable 55+ communities in Florida under $100,000. It even has its own hospital and shopping outlets.
Sun City Center
Below $100k – Low $800ks
The name’s the same, but this 55+ community of 9,500 attached and single-family homes is part of the larger Sun City Center master-planned community. Over 11,000 residents live here, as do three resort-style amenities complexes. There’s something for everyone: lawn bowling courts, outdoor pools, hobby studios, and fitness centers. Initially developed by Del Webb, Sun City Center now features newer sections, including Kings Point and Renaissance.
Kings Point
Below $100k – Low $400ks
Here’s a gated community with 5,277 attached and single-family homes, two golf courses, indoor and outdoor pools, a cafe, and private clubhouses. Most of these homes are attached villa condos. Depending on the model, the parking options include a one-car carport and attached garages. Kings Point Clubhouse also has a large performance venue, The Borini Theater, that hosts Broadway productions and well-known artists.
Tamarac
Located in the middle of South Florida, Tamarac was one of the state’s first planned retirement cities and continues to offer excellent value for retirees seeking 55+ communities in Florida under $100,000. Two of its main attractions are Tamarac Veterans Park and Colony West Golf Club.
Lime Bay
Below $100k – High $100k
Lime Bay features 756 condos in three-story buildings, each equipped with elevator access and laundry facilities. The floor plans range from approximately 700 to 1,200 square feet, featuring one or two bedrooms and bathrooms as well as assigned parking spots. Residents love the community’s clubhouse, pool, spa, and tennis courts. This community has a lovely, natural setting with trails, lakes, and park spaces.
Kings Point in Tamarac
Below $100k – Low $500ks
This Broward County active adult neighborhood has 4,869 condominiums, villas, coach homes, and resort-style amenities. Its coach homes are the largest, featuring two to four bedrooms and two to two and a half baths. But all residents can access the amenities, including a fitness center, performance theater, swimming pools, tennis courts, and multipurpose rooms.
Bermuda Club Condominiums
Below $100k – High $100ks
Substantially smaller than Kings Point, the Bermuda Club has 972 condos in 27 buildings, beautifully situated in peaceful lagoons. These units feature renovated master suites with walk-in closets, scenic lake views, screened balconies or enclosed patios, and eat-in kitchens. This community’s indoor and outdoor amenities include four pools, a spa, tennis, an exercise room, and tennis courts.
Concord Village
Low $100ks – Mid $200ks
This 55+ community, next to Colony West Golf Club, has 643 condos and resort-style, affordable retirement living. Features include eat-in kitchens with upgraded appliances and covered balconies or patios. Outdoor parking is also available. The community clubhouse serves as a gathering point for social events and features an exercise room, a sauna, and three heated swimming pools.
West Palm Beach
This part of Florida has a well-earned reputation for world-class golf, pristine beaches, and high-end shopping. And as Palm Beach County’s largest city, West Palm Beach offers retirees upscale shopping and dining while still maintaining affordable housing options in established 55+ communities.
Crosley Villas
Below $100k – High $100ks
Crosley Village features 395 low-maintenance condos ranging from 612 to 1,052 square feet with carport parking. Many of these elegant units have patios, granite countertops, custom bathroom vanities, and storm doors. The best-liked amenities include the outdoor pool and patio, a fitness center, and a multipurpose room.
Century Village at West Palm Beach
Below $100k – Low $300ks
With 6,500 condos and a desirable locale near the Atlantic shoreline, this gated 55+ community is the ideal setting for a fulfilling retirement. These resale condos are situated in two- to four-story buildings with elevator access and secure entry. Some units have balconies with views of the Gulf. Century Village residents also enjoy indoor and outdoor pools, a performance/movie theater, and a fitness center.
Golden Lakes Village
Below $100k – Low $300ks
Golden Lake Village is a gated 55+ community of 1,088 attached and condo homes. It’s just 15 minutes from the beach, and many of these units feature upgrades like screened-in porches or patios, as well as eat-in kitchens with breakfast bars. You’ll find two clubhouses, an Olympic-size pool, five more pools, tennis courts, and waterways on the property.
So Many Possibilities…
That long list proves that affordable retirements are still possible in the Sunshine State. These communities from the Atlantic coast to the Gulf shores demonstrate that budget-conscious retirees don’t have to compromise on lifestyle, amenities, or location to achieve their Florida retirement dreams.
These active adult properties offer the same sunshine, recreational activities, and social opportunities that make Florida retirement living so appealing, at a fraction of the cost of luxury developments. Don’t let rising housing costs discourage you; these popular active adult properties across the state keep resort-style active adult living accessible to budget-conscious buyers. Contact 55places.com to connect with a local real estate expert in Florida and explore the best 55+ communities in Florida under $100,000!
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