Because of Tampa's general affordability, many 55+ communities are affordable and include resort-style amenities and oceanside living.

Active adults are heading to the Tampa area in droves. There’s a lot of sunshine, plenty of water activities, and everything from golf courses to art museums to stay busy. There’s also a reasonable cost of living. Florida has no state income tax or inheritance tax or estate tax. Gas and groceries cost less than they do in a lot of other east coast cities. Housing prices are also a nice surprise. For $250,000, someone moving into the Tampa area can afford space, amenities, and even extras like golf course living or waterfront features.

Check out these five Tampa Bay communities and what you can get for your $250,000 budget.

Valencia Lakes - Wimauma

Low $200s - Mid $600s

Wimauma is just south of Tampa and right outside of Sun City Center, one of the largest active adult communities in Tampa. If you want a 55+ community in the area but you’re hoping for something a little smaller and more modern than Sun City Center, consider Valencia Lakes, where a handful of resale homes are available for between $223,000 and $250,000. You can also opt for new construction in your price range. The homes are two or three bedrooms and about 1,500 square feet.

The amenities at Valencia Lakes are impressive. The 40,000 square-foot clubhouse includes a state-of-the-art fitness center, steam rooms, and a dance studio. There’s an outdoor pool for relaxing and a resistance pool for fitness-minded swimmers. Residents enjoy tennis, pickleball, and bocce. There’s also shuffleboard and horseshoes, a community garden, and plenty of parking for boats and RVs. Wimauma is close to Interstate 75, making a trip to Downtown Tampa possible in under half an hour.

Tampa Bay Golf and Country Club - San Antonio

Low $100s - Mid $200s

Just north of downtown Tampa is San Antonio, home to St. Leo University and the sprawling 55+ community of Tampa Bay Golf and Country Club. Residents can join the country club as social members or golf members, and a three-bedroom, two-bathroom home with around 1,700 square feet can be found for about $250,000. Low-maintenance living and a long list of amenities in addition to the 27 holes of golf make this an attractive option for buyers who want to be close to Tampa.

The clubhouse includes a restaurant, a fitness center, and space for billiards, arts and crafts, and aerobics. There’s a computer center, volleyball, and shuffleboard. Three pools are especially inviting during the hot Tampa summers, and there’s also a spa and a library. Some of the more popular activities at Tampa Bay Golf and Country Club include creative writing classes, water aerobics, and line dancing. Residents can also learn German and line dancing.

Southshore Falls - Apollo Beach

High $100s - Low $300s

Southshore Falls in Apollo Beach has mastered the art of being both exclusive and affordable. This gated, 55+ community is just minutes from the beach and brimming with activities and amenities, including a couple of lagoon-style pools, a resistance pool, and acres of parks and natural space that includes trails and paths for walking or biking. There’s a fitness center, an internet cafe, and a putting green.

Resale homes in the $250,000 range have either two or three bedrooms, serene landscaping, and around 1,500 square feet of living space. Apollo Beach is a few miles south of Tampa and known for its wintering manatees which can be seen at the Manatee Viewing Center. Southshore Falls is close to the Apollo Beach Nature Preserve, which provides swimming, fishing, hiking, and pet-friendly picnic areas.

Sea Towers - Saint Petersburg

Below $100k - Mid $200s

Low-maintenance living in a high-rise condo providing city and water views can be found across the bay from Tampa in Saint Petersburg at Sea Towers. For $250,000, buyers can get a gated, 55+ condo community that comes with every modern upgrade and amenity. Two-bedroom, two-bathroom condos with over 1,000 square feet are available in this price range, and they’re right on the water. Residents can look for dolphins from their balconies and get a front-row seat for boat parades and fireworks over the water. Boat slips and kayak space are also available at Sea Towers.

Amenities include shuffleboard courts, lawn bowling, and a putting green. There’s a boat dock, a fishing pier, and a serene lagoon hosting fish and wading birds. Two outdoor pools, a sauna, fitness center, and shuffleboard courts are also included. Close to Downtown Saint Petersburg and just a drive over the bridge to Tampa, Sea Towers is accessible, modern, and active.

Bay Island - South Pasadena

Mid $100s - Low $400s

Another waterfront treasure in the Tampa Bay area, Bay Island in South Pasadena provides active adult living right on the Intracoastal Waterway. This 55+ condo community has everything, including six outdoor pools, shuffleboard and tennis courts, a fitness center, a fishing dock, and a boat slip. Residents enjoy the water views from the outdoor patio and get together for social events at the Tiki bar and barbecue area.

Homes in the $250,000 range offer one or two bedrooms, two bathrooms, balconies or patios, and around 1,050 square feet. Pets are permitted, homeowners' association fees are reasonable, and the community is close to some of the most enjoyable spots on the Gulf of Mexico, including Treasure Island Beach and the boardwalk shops and restaurants at John’s Pass in Madiera Beach.