The rowboat docks at Lighthouse Bay in Bonita Springs, Florida

You don't need to spend a fortune to retire near the beach in Naples, Florida.

White-sand beaches and championship golf courses are the norm in Naples, a city on the southwest coast of Florida. The Gulf of Mexico provides plenty of fishing, boating, and swimming activities, and the Naples Pier is a renowned perch for spotting dolphins.

If it seems like the sort of coastal paradise that’s sure to be out of your price range, you’ll be surprised to learn that there are several affordable 55+ communities in the area. Naples and nearby Bonita Springs offer an excellent place to live for active adults who love nature, the beach, and first-rate dining and shopping opportunities.

Riviera Golf Estates - Naples, FL

Below $100k - Low $300s

A fountain surrounded by palm trees in Naples, Florida at twilight

Active adults can find a condo for less than $100,000 at Riviera Golf Estates.

Active adults can find a condo for less than $100,000 at Riviera Golf Estates in Naples. The two-story buildings include patios or balconies as well as private courtyards and pools. There are also single-family homes in two- or three-bedroom models, with cathedral ceilings and dedicated parking spots. The homeowners’ association (HOA) fee is modest and covers security, outdoor maintenance, amenities, and even your monthly cable bill. The 700 homes in this community border an 18-hole golf course.

In addition to golf, residents have a plethora of activities and events just waiting for their attendance and participation. Art classes, exercise classes, line dancing, and bowling will keep you active both socially and physically. The Riviera Readers discuss books in the library, and water aerobics are held in the main outdoor pool. There are also satellite pools, eight shuffleboard courts, and two tennis courts.

Request more information about Riviera Golf Estates.

Lely Resort - Naples, FL

High $100s - Mid $1Ms

Umbrellas along Vanderbilt Beach in Naples, Florida at sunset

The Players Club & Spa is the center of communal life at Lely Resort.

Not everyone living at Lely Resort has spent a million dollars on a 4,000-square-foot home. There are modest floor plans to be found in this 55+ community, which houses 4,500 single-family and attached homes. More than 40 neighborhoods make up this scenic community that’s packed with lush landscaping and lots of wildlife. You may see birds, alligators, and gopher tortoises meandering through the trees and splashing into lakes.

The Players Club & Spa is the center of communal life at Lely Resort. The fitness studio and social room are great places to relax and workout. Join the bike club, the gun club, or make time for painting night. There are frequent day trips scheduled, as well as happy hours and wine tastings. In this community, you’re only minutes from beaches, shopping, and great restaurants.

Request more information about Lely Resort.

Worthington Country Club - Bonita Springs, FL

Mid $100s - Mid $400s

The outdoor pool, patio, and spa in Worthington Country Club in Bonita Springs, Florida

Worthington Country Club offers 799 homes for residents seeking an active lifestyle on the gulf coast.

One of the most desirable gated golf communities in lovely Bonita Springs is also one of the most affordable places to buy a home. Worthington Country Club offers 799 single-family homes, attached villas, and low-maintenance condos for residents seeking an active lifestyle on the gulf coast. The homes here are spacious and comfortable; even condominium units are over 1,000 square feet.

Residents can be found playing golf on the 18-hole championship course or taking lessons in groups as well as individually. There are also six swimming pools (some heated, some cooled) and nine tennis courts. In addition to a long list of clubs and activities, residents can walk the private trails and enjoy bike rides. Just north of the community is Lovers Key State Park and its two miles of beautiful beach.

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Lighthouse Bay - Bonita Springs, FL

Low $200s - High $300s

The boathouse restaurant at Lighthouse Bay in Bonita Springs, Florida

At Lighthouse Bay, residents enjoy 13 lakes for fishing and 23 acres of a natural preserve.

Active adults who love lakeside living should check out Lighthouse Bay in Bonita Springs. Residents enjoy 13 lakes for fishing and 23 acres of a natural preserve. The 654 attached villas and condos come in four models, ranging from 1,250 square feet to nearly 2,000 square feet.

Amenities include a clubhouse and fitness center, five outdoor pools, and a private beach. There are opportunities to enjoy community parties, go boating, or join your fellow residents for bird watching. Over three miles of trails are available for biking and walking. This community provides a lot of value for an affordable investment.

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Heritage BayNaples, FL

High $100s - Low $700s

Naples Pier on the beach at sunset in Naples, Florida

Amenities at Heritage Bay include a 27,000-square-foot clubhouse, a fitness center, a day spa, and more.

On the northern end of Naples, Heritage Bay is another great option for buyers on a budget. Condos, single-family homes, and attached villas are available in a number of spacious, updated models. Golf and tennis enthusiasts will be especially comfortable here, where 27 holes of golf and seven Har-Tru tennis courts are available.

Amenities at Heritage Bay include a 27,000-square-foot clubhouse, a fitness center, a day spa, and an aerobics and dance studio. Two restaurants and a main dining room feed hungry residents and host happy hours and sunset socials. Clubs and activities feature art classes, poker, a book club, and several exercise classes.

Request more information about Heritage Bay.