Blue sky over the golf course at Tampa Bay Golf and Country Club in San Antonio, Florida

Budget-minded active adults can find a home for sale under $250k in the Tampa Bay area.

Buyers looking for homes for sale in Tampa and the surrounding area have a lot of options when their budget is $250,000 or less. The Tampa Bay area provides new construction, condos, golf-course living, and waterfront views at a reasonable price. It’s an excellent region for active adults who enjoy warm weather, diverse amenities, and communal neighborhoods.

These 55+ communities are ideal for anyone seeking Tampa real estate, especially if you're looking to begin a Florida retirement.

Tampa Bay Golf and Country Club - San Antonio, FL

Mid $100s - Mid $300s

A bit of luxury in a country club environment just outside of Downtown Tampa doesn’t have to cost a fortune. In fact, it can be quite reasonable, especially for buyers who choose a resale home at Tampa Bay Golf and Country Club.

This gated 55+ community has tennis, volleyball, and shuffleboard courts; two outdoor pools and spas; and 27 holes of golf. There’s a fitness center, a restaurant, a computer room, and a library. The community center has another pool as well as multi-purpose rooms and an arts and crafts room in the clubhouse. Residents participate in clubs and activities, including water aerobics, karaoke, and a club for first responders.

Over 25 models are available, offering a great selection of single-family homes. They range from 1,276 to 2,619 square feet with two to four bedrooms, two or three bathrooms, and attached two- or three-car garages. San Antonio is an artistic and intellectual community just off Interstate 75, with a university in the area as well as Saint Leo Abbey, which has a contemplative grotto and beautiful grounds for leisurely walks.

Learn more about Tampa Bay Golf and Country Club here

Valencia Lakes - Wimauma, FL

Low $200s - Mid $600s

There are some very expensive new construction and resale homes at Valencia Lakes, a 55+ community in Wimauma, but there are also some comfortable and spacious homes that are less than $250,000. Plus, it’s fun to say you live in Wimauma (pronounced ‘why, mama’). The city is just south of Tampa, and it's a great place to enjoy activities like fishing, biking, hiking, and wildlife watching. It’s close to Sun City Center, Apollo Beach, and the shoreline.

Amenities include a 40,000-square-foot clubhouse, a huge fitness center, pools, tennis courts, a restaurant, an internet cafe, and community gardens. There’s also plenty of space to park a boat or an RV.

At Valencia Lakes, the most affordable homes are attached villas set up like side-by-side duplexes. They offer 1,321 to 1,857 square feet with one to two bedrooms and two bathrooms. All homes come with a den, which can be used as an extra bedroom.

Learn more about Valencia Lakes here.

Bay Island - South Pasadena, FL

Mid $100s - Low $400s

For luxury condos and a view of the Intracoastal Waterway, consider buying at Bay Island, a 55+ community that provides access to the Gulf of Mexico. There’s a boat launch, a marina, and a fishing dock available to residents as well as a clubhouse with a cozy lounge. Other amenities include shuffleboard courts, tennis courts, half a dozen pools, and a fitness center.

The condos in this community offer 540 to 2,600 square feet, one to three bedrooms, and one to three bathrooms. These resale properties have a lot of upgrades, and there’s plenty of parking.

At Bay Island, the HOA takes care of everything from trash removal to landscaping, and basic cable costs are also included in the HOA fee. This community’s enviable location puts residents within easy reach of the area’s best beaches and golf courses. Treasure Island is an excellent place for swimming in the Gulf and getting some sun, and Bay Island is close to John’s Pass, a boardwalk with shops and restaurants right on the water.

Learn more about Bay Island here.

Esplanade at Wiregrass Ranch - Wesley Chapel, FL

Low $200s

Reasonably priced, new construction homes near downtown are being built at Esplanade at Wiregrass Ranch. Amenities will include a resort-style pool; tennis, shuffleboard, and bocce ball courts; as well as beauty and relaxation services at the Koquina Sand Spa. Taylor Morrison plans to build 868 detached single-family homes and attached villas, allowing buyers the opportunity to choose upgrades and design elements to matches their lifestyle and personal tastes.

The Wesley Chapel area is a popular and desirable suburb of Tampa, where Esplanade at Wiregrass residents can enjoy playing golf, shopping at Tampa Premium Outlets and The Shops at Wiregrass, or zipping into Tampa for football and hockey games, shows at the Straz Center, or unique restaurant experiences.

Learn more about Esplanade at Wiregrass here.

Highland Lakes on Lake Tarpon - Palm Harbor, FL

Below $100k - Low $300s

Free golf is available to residents at Highland Lakes on Lake Tarpon. If that’s not enough of a reason to buy a single-family or attached home, active adults should also consider that this 55+ community offers access to the Lake Tarpon Lodge, where pontoon boats are used for both social events and cruising the lake. Additional amenities include pools, fitness centers, and space for art, cards, and billiards. There are also shuffleboard, tennis, and pickleball courts.

Attached villas have one or two bedrooms, one or two bathrooms, and an attached garage. Single-family homes are on a single-story with two or three bedrooms and two bathrooms. They also have attached two-car garages. Some properties have private pools in the backyard, and there are also screened porches and lanais. Palm Harbor is on the St. Pete side of Tampa Bay near the beaches.

Learn more about Highland Lakes on Lake Tarpon here.