Seven palm trees on a beach in Clearwater, Florida

Tampa and its suburbs are ideal for those looking for a sunny and affordable retirement.

The Tampa Bay area covers a large part of the Central Florida coast. It’s on the Gulf of Mexico and off the Hillsborough River, and the area has always attracted water lovers and active adults seeking recreation, sunshine, and sports.

Buyers looking for Tampa real estate don’t have to spend too much money. There are plenty of affordable 55+ communities from Weeki Wachee to Sun City Center that can provide an enjoyable, affordable Florida retirement.

Kings Point - Sun City Center

Below $100k - Low $300s

Just outside of Downtown Tampa and in an area favored by snowbirds and full-time retirees is Kings Point, a 55+ community in Sun City Center. It’s a large community with over 5,000 single-family homes and attached villas.

Buyers looking for a lot of opportunities for social activities and club memberships will find what they need in Kings Point. Bring your golf cart; they get preference and right-of-way on the streets throughout the community, and you’ll see them in line at the fast food drive-thrus and parked outside the grocery stores.

With two clubhouses and both a north and south campus, there is always something to do at this affordable active adult community. Pools, shuffleboard courts, tennis courts, and fitness centers are numerous. There’s also pickleball, volleyball, softball, and lawn bowling. Residents also enjoy an art gallery, a woodworking studio, and a floating fishing dock.

Properties come in a variety of models which range in size from 800 to over 3,000 square feet. Buyers on a budget may want to focus on the two-bedroom, two-bathroom attached duplex that comes with a two-car garage.

Beacon Lakes - New Port Richey

Below $100k - Below $100k

Lakefront views don’t cost a lot at Beacon Lakes, a small 55+ community of around 210 condo units in New Port Richey. The outdoor pool and patio overlook the lake, and residents who enjoy gardening can reserve their own plots for flowers, herbs, and even vegetables.

There’s a clubhouse with an exercise room and a meeting room, as well as a library and catering kitchen. The enclosed porch provides pleasant views and a great place to chat with neighbors. The community offers shuffleboard, bocce, billiards, and classes in art and water aerobics.

The condos are spacious for their prices, and buyers can find two-bedroom homes with around 1,150 square feet. Formal dining rooms, lots of storage space, and screened patios or balconies are included.

New Port Richey is a quiet but fun-filled town close to Tampa and the water. Festivals and fairs are frequently held, and locals love getting together for a beer and some food at Cotee River Brewing Company. Anclote Key Preserve State Park is just off the mainland and only reachable by boat or ferry. Visitors fish, sunbathe, and enjoy views of the historic lighthouse.

Heather Ridge - Dunedin

Below $100k - High $100s

Three different and unique neighborhoods make up Heather Ridge in Dunedin. This 55+ community of 273 condos and attached villas is affordable, well-located, and a great option for buyers who want a low-maintenance lifestyle that leaves plenty of time for shuffleboarding and swimming.

The condo properties are the most economical, and they have between 815 and 1,060 square feet. There are one or two bedrooms, one or two bathrooms, and a parking space, The villas are a bit larger but still below market in terms of price. Between 1,040 and 1,580 square feet are available with two bedrooms, two bathrooms, and a parking space.

Amenities include three separate swimming pools and patios (one in each neighborhood), six shuffleboard courts, and outdoor kitchens for grilling and gatherings. The scenery and the pond provide peaceful places to walk, and the parks and landscaping give Heather Ridge a very residential feel.

Close to Downtown Dunedin, residents only need a few minutes to get to Honeymoon Island for swimming and shelling, and from there it’s an easy ferry ride to Caladesi Island, famous for its natural beaches and mangrove forests.

Silverthorn - Brooksville

Low $100s - Mid $400s

Active adults who prefer intergenerational living and want to be in the Tampa area might consider Silverthorn, just north of the city. This option also offers an affordable way to live on a golf course. There’s a semi-private golf course with 18 holes designed by Joe Lee, a putting green, and a pro shop. The Silverthorn Country Club also includes a restaurant, clubhouse, and banquet room.

It’s not all about golf, though, Silverthorn has a community center with a fitness facility, ballroom, craft room, library, and multi-purpose room. There are trails, tennis courts, a horseshoe pit, and a basketball court. The outdoor pool is surrounded by a sunny and comfortable pavilion, and there’s plenty of storage for recreational vehicles and boats.

The attached villas are the most affordable homes, with two bedrooms, two bathrooms, and attached two-car garages. The homes have between 1,000 and 2,000 square feet.

Brooksville is a woodsy and warm community with lots of forests, nature trails, and places to bike and hike. Downtown, eat for cheap at The Main Street Eatery or the Red Mule Pub.

On Top of the World - Clearwater

Below $100k - Low $200s

A large and unique 55+ community made up of condominiums, On Top of the World has affordable pricing, extensive amenities, and a great location. Located in Clearwater, the community is near beaches, golfing, and streets filled with shops, restaurants, and luxury hotels.

On Top of the World has 96 high-rise condo buildings with elevators, and the units are one- or two-bedroom homes with two bathrooms and between 850 and 1,750 square feet. Upgraded properties include hurricane shutters, Florida rooms, large pantries in the kitchen, and ceramic tile.

With two recreation centers, residents always have something to enjoy with their neighbors and friends. There are clubhouses, fitness centers, pools, cafes, tennis, and shuffleboard. The lake includes a fishing pier and residents who don’t feel like driving into Clearwater can take advantage of the community transit that’s available.

This community is close to hospitals, shopping, restaurants, and nature preserves. The St. Petersburg/Clearwater International Airport is just minutes away.