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Finding an affordable place to live in Florida isn\'t always easy, unless you know where to look.

One of the reasons the population of Florida continues to grow is the low cost of living relative to other states. With the current market as hot as it is, however, finding an affordable place to live isn’t always easy. At least without knowing where to look. 

We’re providing a resource that can be helpful to anyone seeking low-priced communities in Florida. These 10 are affordable, well-located, and full of options for people looking for an active lifestyle community in the Sunshine State.

1. Forest Lakes VillageSarasota, FL

Below $100k – Mid $100s

A popular place for downsizing and enjoying the low-maintenance lifestyle that comes with condo living is Forest Lakes Village in Sarasota. With two bedrooms, two bathrooms, and between 1,047 and 1,247 square feet, these homes are comfortable and spacious. The 55+ community is located in one of the most exciting cities on the Gulf Coast, where residents can find fine dining, great art museums, and, of course, beaches and golf courses. Tampa and St. Petersburg are only about an hour away on Interstate 75. Amenities at Forest Lakes Village include a clubhouse, pool, fitness center, and library. There’s also a shuffleboard court and a community kitchen. 

Request more information about Forest Lakes Village.

2. Snug Harbor Gardens CondominiumsBoynton Beach, FL

Below $100k – Mid $200s

Exterior view of a condo building in Snug Harbor Gardens Condominiums, located in Boynton Beach, Florida
Snug Harbor Gardens Condominium is perfect for those who want an intimate community that won’t push them over budget.

Fewer than 200 condo homes can be found at Snug Harbor Gardens Condominiums in Boynton Beach. This complex is perfect for those who want an intimate community that won’t push them over budget. Floor plans range from 637 to 1,200 square feet and have one or two bedrooms and bathrooms. When browsing this community, buyers will find recently upgraded homes, pleasant landscaping, and a desirable address in swanky Palm Beach County. Locals enjoy fishing, boating, sunning at the beach, shopping, sampling local seafood dishes, and lots of golf. The community amenities include a pool, clubhouse, fitness center, and shuffleboard courts. 

Request more information about Snug Harbor Gardens Condominiums.

3. Scottish HighlandsLeesburg, FL

Below $100k – Mid $200s

View of two whooping cranes standing near a pond on a sunny day in Scottish Highlands, located in Leesburg, Florida
Leesburg has some secrets, like rolling hillsides, quaint antique shops, and regular fairs and festivals. 

Leesburg has nearly everything people want from Florida: nice weather, great amenities, and plenty of recreation. It also has some secrets, like rolling hillsides, quaint antique shops, and regular fairs and festivals. Plus, it’s home to Scottish Highlands, a 55+ community with a wallet-friendly price point. Here, you’ll find 653 single-family homes, all with spacious floor plans covering 1,050 to 2,000 square feet. Models also feature two or three bedrooms and an attached garage. Amenities include a clubhouse with a fitness center, indoor pool, ballroom, catering kitchen, and art studio. There’s also an outdoor pool, tennis courts, and inviting lakes throughout the neighborhoods.

Request more information about Scottish Highlands.

4. The Pines of DelrayDelray Beach, FL

Below $100k – High $100s

Attached villas and low-maintenance condos are available at The Pines of Delray, and homebuyers will appreciate the desirable location, scenic surroundings, and budget-friendly price points in this 55+ community. Two clubhouses offer pools, multipurpose rooms, fitness centers, shuffleboard, and bocce. Condos are 812 to 1,600 square feet with one to three bedrooms while the attached villas offer 982 to 1,167 square feet with two bedrooms. Open floor plans and screened porches provide modern living, and cities like Boca Raton and Boynton Beach are just minutes away.

Request more information about The Pines of Delray.

5. Lakes of DelrayDelray Beach, FL

Below $100k – High $200s

View of palm tress lining a street in Delray Beach, Florida with a hotel building and cars in the background
Enjoying the warm outdoor weather is easy in Lakes of Delray.

Lots of amenities await at Lakes of Delray, a 55+ community with affordable condos about 15 minutes from the beach. There’s a clubhouse and exercise room as well as a sauna, ceramics studio, library, game room, conference room, and ballroom. Enjoying the warm outdoor weather is easy with resort-style pools, tennis courts, shuffleboard courts, horseshoe pits, a basketball court, and a golf driving net. There’s also a car wash area and community bus transit into town for residents who hope to drive a little less.

Request more information about Lakes of Delray.

6. Rolling Green Golf VillageSarasota, FL

Below $100k – High $100s

The Venetian Gothic rooftop of the Ringling Museum of Art with intricate designs located in Sarasota, Florida
Sarasota has botanical gardens, plenty of great shopping and dining, The Ringling Museum of Art, and much more.

Botanical gardens, The Ringling Museum of Art, and plenty of great shopping and dining are available in Sarasota, which is attracting active adults looking to live close to the water. Rolling Green Golf Village is an affordable community that features a clubhouse, restaurant, driving range, putting green, and par-72 golf course at The Rolling Green Golf Club. Condos range from 972 to 1,260 square feet with two bedrooms, two bathrooms, and covered carport parking.

Request more information about Rolling Green Golf Village.

7. Rainberry BayDelray Beach, FL

Below $100k – Mid $300s

Attached villas and single-family homes are priced for active adults trying to budget without sacrificing amenities or comfort in Delray Beach. Rainberry Bay is another affordable 55+ community that’s especially attractive to nature lovers. Beautiful walking paths wind through the community and fishers can cast a line on the lake. Residents also enjoy multiple outdoor pools, 12 tennis courts, a bocce ball court, and a basketball court. In the clubhouse, residents enjoy a fitness center, conference room, theater, and sauna. Attached homes in the community range from 1,180 to 1,933 square feet with two bedrooms. Single-family homes are 1,074 to 2,800 square feet and have two or three bedrooms and attached garages.

Request more information about Rainberry Bay.

8. SummertreeNew Port Richey, FL

Below $100k – High $200s

Exterior view of the clubhouse at Summertree against a blue sky and palm trees, located in New Port Richey, Florida
Summertree features a recreational facility with activity rooms, a fitness center, pools, and more.

More affordable than nearby Tampa or St. Petersburg, New Port Richey is a growing suburb to the north of those cities, well-located on Florida’s Central Gulf Coast. Summertree is a desirable 55+ community in New Port Richey with 800 single-family homes and attached villas. It includes Summertree Golf Club, which is home to a 9-hole course, a pro shop, and a driving range. Residents can stay as active as they’d like by joining one of the many clubs available. There’s also a recreational facility with activity rooms, a fitness center, pools, and courts for games of shuffleboard, tennis, and bocce.

Request more information about Summertree.

9. Sun City CenterSun City Center, FL

Below $100k – High $500s

Exterior view of the ceramics clubhouse in Sun City Center with four windows showcasing Christmas decorations
Sun City Center features multiple clubhouses, pools, sports courts, and activity centers.

For active adults who like to be in a large, vibrant, and diverse community, Sun City Center is the place to be. Here, multiple events are scheduled year-round, as well as bus trips, concerts, dinners, and dances. Attached villas and single-family homes are available in a number of floor plans and price ranges, and it’s not difficult to find something affordable. There are multiple clubhouses, pools, sports courts, and activity centers available to residents. This golf cart-friendly community is also close to shopping, restaurants, and parks. Just half an hour south of Tampa, it’s easy to catch a professional football, baseball, or hockey game as well.

Request more information about Sun City Center.

10. Lime BayTamarac, FL

Below $100k – Mid $100s

Mid-rise condo buildings are available at very attractive prices in the Lime Bay community, which is found in the Broward County city of Tamarac. This active adult community includes a clubhouse, fitness center, and sauna. Outdoors, members of the community can find a pool, patio, shuffleboard courts, tennis courts, and plenty of walking trails. Most condos are just under 950 square feet with two bedrooms and two bathrooms. It’s an ideal option for homeowners who don’t want to spend a lot of time on maintenance but are instead eager to explore everything that Southeast Florida has to offer. 

Request more information about Lime Bay.

Can you spot the $207,744 difference between these identical homes?

Financing is the difference!

Get the details in The 62+ Loan Homebuyers Guide.

55places Mortgage is a joint venture between Mutual of Omaha Mortgage and 55places.com.
Details here.

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We’re changing the way people 55 and older are searching for their perfect next place. With a national network of hand-selected real estate experts, plus comprehensive information, unbiased content, and on-the-go insight about thousands of communities across the country, we’re a trusted resource paving the way from here to home. Whether you’re interested in a low-maintenance single-level residence, an active lifestyle or age-qualified community, an intimate enclave, or anything in between, we can help you make your next move the best one yet.

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