View from the Hillsborough River of Tampa's downtown skyline

The Tampa Bay area makes a beachside retirement affordable.

Tampa is one of the most affordable large cities in the U.S. to live in, and its surrounding communities enjoy a cost of living that’s even lower. Rampant sunshine and miles of Gulf coastline make this area one of the most desirable relocation destinations for active adults from all around the country.

Tampa and St. Petersburg both have a thriving arts and culture scene that includes the Straz Center for Performing Arts, the Dali Museum, and the Museum of Science and Industry. There’s also professional baseball, hockey, football, and numerous opportunities for shopping, dining, and outdoor recreation.

Here are some of the best active adult communities in the Tampa Bay area with affordable homes for sale.

Pinehurst Village - Dunedin, FL

Below $100k - Low $100s

Palm trees surrounding the outdoor amenities at Pinehurst Village in Dunedin, Florida

Pinehurst Village is a cozy condominium community that’s less than half an hour from Tampa.

Dunedin is a small town just steps from the beach, and it's the spring training home of the Toronto Blue Jays. Pinehurst Village is a cozy condominium community that’s less than half an hour from Tampa and Clearwater.

There are 240 resale homes, all remodeled since their construction in the 1970s. Each condo has one bedroom and one bathroom with a parking space, and some have upgraded elements such as ceramic tile and stainless steel appliances.

Amenities include five shuffleboard courts, an exercise room, an outdoor pool, and a clubhouse for social functions and group events. For active adults, Pinehurst Village provides a simple, low-maintenance lifestyle that’s easy to afford and enjoy.

Request more information about Pinehurst Village.

Summertree - New Port Richey, FL

Below $100k - High $100s

Lounge chairs on the patio beside the outdoor pool at Summertree in New Port Richey, Florida

Amenities at Summertree include a golf course, two outdoor pools, and nine shuffleboard courts.

Summertree is a gated 55+ community in New Port Richey, a town about an hour from Tampa and surrounded by parks, preserves, and acres of natural beauty. The 800 single-family and attached homes in this community are available in six models, from one-bedroom villas to four-bedroom homes.

Separate homeowners' associations (HOAs) govern each neighborhood, but most of the HOA fees paid by residents include cable, landscaping, maintenance, trash, and security. Amenities at Summertree include a golf course, a recreation facility, two outdoor pools, and nine shuffleboard courts. Residents also enjoy a dance studio, a library, and lots of biking and walking trails.

Request more information about Summertree.

Southshore Falls - Apollo Beach, FL

High $100s - Low $300s

Palm trees surrounding the outdoor resort-style pool at Southshore Falls in Apollo Beach, Florida

Most activities start at the Wellspring Club, a 14,000-square-foot clubhouse with a lagoon-style pool.

A short drive from Tampa, Southshore Falls offers 866 single-family and attached homes in three models. Most activities start at the Wellspring Club, a 14,000-square-foot clubhouse with a lagoon-style pool, a fitness center, and plenty of space for clubs and meetings such as gin rummy, meditation, scrapbooking, and line dancing.

Southshore Falls is close to the beach, shopping, and the Apollo Beach Manatee Viewing Center, where manatees gather to enjoy the warm water coming from Big Bend Power Station. These homes were all built between 2004 and 2016, offering active adults modern upgrades and affordable, low-maintenance living.

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Sea Towers - St. Petersburg, FL

Below $100k - Mid $200s

Looking up at palm trees in Downtown Tampa in Florida

Sea Towers is in the heart of St. Petersburg.

The breathtaking view of the Gulf of Mexico and Boca Ciega Bay is just one of the benefits of living in a high-rise condo at Sea Towers in St. Petersburg. Nine buildings house 800 units, ranging from 485-square-foot studios to two-bedroom condos with over 1,100 square feet.

Two outdoor pools are available for swimming and sunning, and there’s also a fitness center, a sauna, an auditorium, and a library. Walking trails wind through the property and residents can access a boat dock and a fishing pier. There’s also lawn bowling, a putting green, and shuffleboard courts. Sea Towers is in the heart of St. Petersburg, providing active adults with opportunities for art, culture, shopping, and beach-going.

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Wellington at Seven Hills - Spring Hill, FL

Mid $100s - Mid $300s

Lounge chairs beside the outdoor pool and whirlpool spa at Wellington at Seven Hills in Spring Hill, Florida

Active adults can enjoy the outdoor pool, walking trails, and social activities within the community.

This gated community was recently constructed, giving the neighborhood a youthful, modern feel. Over 1,000 single-family and attached homes are in the quiet and scenic 55+ community of Wellington at Seven Hills. The villas, patio homes, and single-family homes range from 1,100 to over 3,000 square feet.

There are plenty of activities for residents, including billiards, shuffleboard, and horseshoes. There’s a golf club, piano night, and a book club. Active adults can enjoy the outdoor pool, walking trails, and social activities hosted in the 15,000-square-foot clubhouse. Spring Hill is a short drive from Tampa, the Tarpon Springs Sponge Docks, and dozens of parks, springs, and hiking trails.

Request more information about Wellington at Seven Hills.