Naples Pier and beach in Florida on sunny day.

Florida has more affordable homes for sale than you might think. 

Homebuyers looking for a new home in Florida are often thinking first about affordability. Cutting back on housing expenses is just as attractive as cutting back on maintenance and landscaping responsibilities.

We’re taking a look at the 10 most affordable retirement communities in Florida. Whether you’re looking for the Atlantic Coast, the Gulf Coast, or the surprising green hillsides of Central Florida, affordable homes for sale can be found throughout the state. Keep reading to find out community might be right for you. 

Forest Lakes Village - Sarasota, FL

Below $100k - Mid $100s

An intimate community with only 131 condos, Forest Lakes Village provides comfort and convenience for buyers looking for a 55+ community that’s reasonably priced. Two-bedroom, two-bathroom condos have between 1,047 and 1,247 square feet. The community's amenities include a clubhouse, fitness center, game room, library, and catering kitchen. There are also shuffleboard courts and a pool. Sarasota provides opportunities for art, culture, fine dining, and shopping.

Request more information on Forest Lakes Village here

Snug Harbor Garden Condominiums - Boynton Beach, FL

Below $100k - Mid $200s

Snug Harbor Garden Condominiums exterior view.

Snug Harbor Garden Condominiums is ideally located in Boynton Beach. 

 In addition to having a cozy name, Snug Harbor Garden Condominiums also has an enviable price point and manageable floor plans with 637 to 1,200 square feet. Condos for sale in this 55+ community have one or two bedrooms and bathrooms and a lot of recent upgrades. Located in Palm Beach County, residents enjoy the beach, shopping, seafood restaurants, and lots of local golf. The community includes a pool, clubhouse, fitness center, and shuffleboard courts. 

Request more information on Snug Harbor Garden Condominiums here

Scottish Highlands - Leesburg, FL

 Below $100k - Mid $100s

Interior shot of the indoor lap pool at Scottish Highlands in Leesburg, FL.

Scottish Highlands is a community in a secluded area with plenty of amenities.

Scottish Highlands in Leesburg, Florida is an affordable 55+ community in a scenic part of Central Florida that many buyers haven’t discovered yet. There are 653 single-family homes, all with spacious floor plans with 1,050 to 2,000 square feet, two or three bedrooms, and an attached garage. Community amenities are plentiful, including 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 that make for ideal scenery for walks and bike rides. 

Request more information on Scottish Highlands here

The Pines of Delray - Delray Beach, FL

Below $100k - High $100s

River of grass in the Arthur R. Marshall Loxahatchee National Wildlife Refuge near Delray Beach, FL.

The Pines fo Delray provides an ideal location close to outdoor recreation options. 

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

Request more information on The Pines of Delray here

Riviera Golf Estates - Naples, FL

High $100s - Mid $300s

Finding affordable homes for sale in Naples isn’t always easy, but the Riviera Golf Estates 55+ community does the job. Condos in two-story buildings and single-family homes are available for sale, and many homes include upgrades like granite counters and cathedral ceilings. Amenities include a golf course, clubhouse, fitness center, pools, tennis courts, shuffleboard courts, and vast trails for biking, walking, or jogging. Naples is known for luxury shopping and dining, and there are also golf courses and beaches to explore. Interstate 75 is close to the community, allowing homeowners to easily explore all of Florida. 

Request more information on Riviera Golf Estates here

Lakes of Carriage Hills - Tamarac, FL

Low $100s - High $100s

The condos for sale at Lakes of Carriage Hills offer low-maintenance living and an opportunity to live in one of Broward County’s most popular 55+ communities. There are 520 condos in this neighborhood that feature two bedrooms, two bathrooms, and between 990 and 1,460 square feet. There’s assigned parking, a community garden, and scenic ponds throughout the well-landscaped walking trails. Residents also have access to a clubhouse, pool, tennis, and shuffleboard courts. 

Request more information of Lakes of Carriage Hills here

Lakes of Delray - Delray Beach, FL

Below $100k - High $200s

Ft Lauderdale, FL skyline on a partly cloudy day.

Residents of Lakes of Delray can access cities like Fort Lauderdale. 

Plenty of amenities await homeowners at Lakes of Delray, a 55+ community with affordable condos for sale 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 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 on Lakes of Delray here

Rolling Green Golf Village - Sarasota, FL

Below $100k - High $100s

Golfers looking for a reasonably priced condo in a golf course community will find everything they need at Rolling Green Golf Village ( The Rolling Green Golf Club is right next door to the 55+ neighborhood, offering a clubhouse, restaurant, driving range, putting green, and par-72 course. Condos have 972 to 1,260 square feet with two bedrooms, two bathrooms, and a covered carport. There’s great shopping and dining nearby as well as the spring training facility for the Baltimore Orioles.

Request more information on Rolling Green Golf Village here

Rainberry Bay - Delray Beach, FL

Below $100k - Mid $300s

Attached villas and single-family homes are available at Rainberry Bay, an affordable 55+ community in Delray Beach. The community's amenities feature a fishing lake that’s well-stocked as well as six outdoor pools, 12 tennis courts, a bocce court, and a basketball court. In the clubhouse, residents enjoy a fitness center, conference room, theater, and sauna. Attached homes offer 1,180 to 1,933 square feet and two bedrooms. Single-family homes have 1,074 to 2,800 square feet, two or three bedrooms, and attached garages.

Request more information on Rainberry Bay here

Summertree - New Port Richey, FL

Below $100k - Mid $200s

Summertree outdoor pool and patio with the clubhouse in the background.

Summertree in New Port Richey provides a private location. 

More affordable than nearby Tampa or St. Petersburg, New Port Richey is a growing suburb on Florida’s Gulf Coast. The desirable 55+ community of Summertree in the area offers 800 single-family homes and attached villas for sale. The community includes Summertree Golf Club, which is a 9-hole course as well as a pro shop and a driving range. Additional amenities focus on fitness and social groups. Residents can join the line dancing club, computer club, or volunteer to put together community socials. There’s a recreational facility with activity rooms, a fitness center, pools, and courts for shuffleboard, tennis, and bocce ball.

Request more information on Summertree here