The 10 Most Affordable Places to Retire in Florida

For decades, active adults seeking an affordable and picturesque retirement have headed to Florida.

While Florida certainly has more than its share of luxurious active adult communities, it also has many affordable properties that are within your reach. You don’t have to be a millionaire to snag a retirement home that offers comfort, desirable amenities, and a warm climate.

You’ll see some familiar cities on this list, along with a few that may be new to you. It features communities in different parts of the state, so whether you prefer to be close to the beach or more centrally located, you’re sure to find something that speaks to you.

Here are 10 areas in the Sunshine State that offer affordable active adult communities.

1. Boynton Beach

An aerial view of houses along the coast in Palm Beach, Florida
Boynton Beach is home to some of the most beautiful beaches in South Florida.

Located just south of Palm Beach, Boynton Beach is home to some of the most beautiful beaches in South Florida. Popular attractions include the Boynton Beach Marina, Oceanfront Park, and the The Links at Boynton Beach.

Recommended 55+ Communities in Boynton Beach

2. Sarasota

View of the downtown skyline in Sarasota, Florida at twilight
Sarasota is in Florida’s southwest coastal region.

According to U.S. News, living in Sarasota is like living in paradise “mixed in with some hints of reality.” It’s known for its thriving cultural and arts scene and award-winning beaches. Sarasota is in Florida’s southwest coastal region, about an hour from Tampa.

Recommended 55+ Communities in Sarasota

3. St. Petersburg

Palm trees and greenery surrounding a boardwalk to a beach in St. Pete, Florida
This region is known for its walkability, access to public transportation, and vibrant downtown arts scene.

Part of the Tampa Bay area, this town is ideally situated between the Bay and the Gulf of Mexico and is considered part of the St. Petersburg-Clearwater area. Aside from its beautiful beaches, this region is known for its walkability, access to public transportation, and vibrant downtown arts scene.

Recommended 55+ Communities in St. Petersburg

4. Delray Beach

Ocean waters behind a wooden pier with railings
Delray Beach offers 39 active adult communities.

Delray Beach is between Boca Raton and Boynton Beach and offers 39 active adult communities. Rand McNally’s Best of the Road Contest once named it the “Most Fun Small Town in the United States,” and it won because of its exciting attractions, upbeat culture, and breathtaking scenery.

Recommended 55+ Communities in Delray Beach

5. Ocala

Trees lining a residential street in Oak Run in Ocala, Florida
Ocala has plenty of small-town charm and outdoor activities.

Moving north, we find the city of Ocala in Central Florida, about 40 miles from Gainesville. It has plenty of small-town charm and outdoor activities. It takes longer to get to the beaches, but you can enjoy its beautiful parks, wineries, farmers markets, and boating on Lake Weir.

Recommended 55+ Communities in Ocala

6. Lakeland

A wooden dock extending into a pond at Highland Fairways in Lakeland, Florida
Lakeland is home to 38 named lakes and sits 35 miles east of Tampa.

Fittingly named, Lakeland is home to 38 named lakes and sits 35 miles east of Tampa. Popular landmarks include Hollis Gardens and Lake Mirror Park. The region is also dotted with golf courses, antique shops, museums, and nature preserves.

Recommended 55+ Communities in Lakeland

7. Fort Myers

Palm trees beside white lounge chairs on a beach in Fort Myers, Florida
Fort Myers offers retirees a low cost of living, historic attractions, and seaside lifestyles.

Southwest Florida’s Fort Myers offers retirees a low cost of living, historic attractions, and seaside lifestyles. Nature lovers spend time at Manatee Park, Six Mile Cypress Slough Preserve, and beautiful beaches. Also, residents enjoy proximity to the Southwest Florida International Airport.

Recommended 55+ Communities in Fort Myers

8. Jacksonville

View of the downtown skyline in Jacksonville, Florida at dusk
Jacksonville is a great choice for active adults who prefer climates that don’t get too hot.

This Florida city is a great choice for active adults who prefer climates that don’t get too hot. Jacksonville has plenty of beaches, but it’s farther north, about 150 miles from the Georgia border. Its downtown area is worth exploring on its Skyway Express, and it also has some top-performing hospitals and world-class shopping.

Recommended 55+ Communities in Jacksonville

9. Melbourne

Exterior view of the clubhouse in Indian River Colony Club in Melbourne, Florida
At last count, Melbourne had five affordable 55+ communities to choose from.

Melbourne is in East Central Florida, not far from the Kennedy Space Center and Vero Beach. Active adults who live here also enjoy boating at Lake Washington, visiting historic Main Street Melbourne. And at last count, Melbourne had five affordable 55+ communities to choose from.

Recommended 55+ Communities in Melbourne

10. Margate

Greenery surrounding a canal in Margate, Florida
Margate is a good choice for retirees looking to relocate to the Miami-Fort Lauderdale-West Palm Beach area.

With a population of around 58,000, Margate is a good choice for retirees looking to relocate to the Miami-Fort Lauderdale-West Palm Beach area without the higher housing prices. It’s smack-dab in the middle of everywhere you want to go, including Pompano Beach and the Everglades. Margate is also close to two international airports, many hospitals, golf courses, and shopping.

Recommended 55+ Communities in Margate

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.

Share this post:

We're here to help! (800) 928-2055

Call us to speak with a customer service representative.

Subscribe to Our Newsletter

Get Weekly Updates

I agree that 55places and its affiliates, partner providers or agents may call, text, or email me about my inquiry, which may be made with automated means. I understand that my consent is not a prerequisite for buying a property. I may revoke my consent at any time by contacting [email protected] Message/data rates may apply. I also agree to 55places.com’s Privacy Policy and Terms of Use.

The Best Places to Snowbird in 2021

We’ve gathered 25 of the best places for snowbirds, including cities in Florida, Arizona, California, Texas, South Carolina, and Nevada. For each entry, we’ve also provided a list of recommended 55+ communities in the area. If you’re ready to find your own winter retreat this season, here are some of the best places to consider.

A woman drinking her morning coffee on a balcony overlooking Downtown Miami.

Urban 55+ Communities: You Can Retire in These Cities

There are many benefits to living in a city, from having easy access to daily needs like grocery stores and pharmacies to having an assortment of cultural amenities and entertainment options nearby. Still not convinced? Here are some cities with urban 55 communities that just might pique your interest.

Happy mature couple dancing together in the kitchen at home in a 55+ community.

Top 10 Benefits of Living in a 55+ Community

Living in a 55+ communitiy is so much more than just convienent for active adult retirees. The right community will help them downsize, manage their finances, increase their activitiy, and meet new people. Check out all the benefits of living in a 55+ community.

View of Downtown Provo, Utah during autumn at dusk.

The Best Cities for Aging in Place

Deciding on where to retire is always a challenging question. What do you look for when searching for your ideal place to age in place? There are a variety of factors that come into play when looking for that perfect spot such as health care, wellness, general livability, transportation, or community engagement, just to name a few.

Closed up on a tiny wood home model on green grass with sunlight background.

This Month in Real Estate: A Housing Market Summary

The new year is showing that the predicted changes coming to the housing market were accurate and kept with the trend for 55+ homebuyers. If you’re just entering the housing market as a homebuyer, make sure you’re aware of the changes happening so you’re prepared to make the best purchasing decision. 

Aerial view of a picturesque olive plantation in Bakersfield, California.

The Cheapest Places to Live in California

With almost year-round sunshine, some of the world’s prettiest beaches, world-class shopping and dining, and a never-ending list of recreational and entertainment opportunities, it’s no wonder California is such as sought-after state to settle down in.

A sunset over Huntington Beach Pier in California.

The Active Adult Travel Guide to California

California is known for its diverse regions and cities. This means if you’re an active adult looking to vacation in the Golden State, you’ll have a lot of options. We breakdown the state into its three main regions and find everything you should do while on vacation.

About 55places

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.

Scroll to Top