These Are The 10 Cheapest Places To Live In Florida For 2018


We used data and science to determine which places in Florida go easy on your wallet.

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A wise sage once said:

“She works hard for the money…”

And these places in Florida definitely treat her right.

You see, these are the places in Florida where the cost of living is the lowest; where your salary goes the furthest. And when if you have the luxury of choosing where to live in the Sunshine State, then the cost of living should play a role in the decision.

So we did the hard for you and crunched the numbers to find the cities that have lower food, energy, and housing costs. After the dust settled on our analysis of the 153 largest places in Florida, we were left with this set of the best value for your money.

Here are the 10 cheapest places to live in Florida for 2018:

  1. Panama City (Photos | Homes For Sale)
  2. Callaway (Homes For Sale)
  3. Crestview (Photos | Homes For Sale)
  4. Niceville (Photos | Homes For Sale)
  5. Lynn Haven (Photos | Homes For Sale)
  6. Destin (Photos | Homes For Sale)
  7. New Port Richey (Photos | Homes For Sale)
  8. Zephyrhills (Photos | Homes For Sale)
  9. Bartow (Photos | Homes For Sale)
  10. Largo (Photos | Homes For Sale)

So listen up Key Biscayne (the most expensive place in Florida) as we explain how we created this ranking. You could learn some things from the rest of the state.

And if you already knew these places were cheap, check out the best places to live in Florida or the most expensive.

How We Determined The Cheapest Places To Live In The Sunshine State For 2018

There are basic necessities that you have to buy no matter where in the country you live. Those things include:

  • Housing
  • Food
  • Gas
  • Health Insurance
  • Utilities
  • Transportation

You can then compare the cost of these things in each of the places in Florida to figure out which is the least expensive.

What you are left with is a “Cost of Living Index” that normalizes to 100 for an average place in the United States.

So we used that cost of living index in order to rank all of the 153 places in Florida that have more than 5,000 people.

And just so you can better understand how the cost of living index works, 100 is the average cost of a place in the United States. A score of 90 means that the place cost 10% less than average. A score of 90 means it’s 10% less expensive.

San Francisco has a score of 243 meaning it’s almost 2.5 times as expensive as the average place in the country.

1. Panama City

Panama City, Florida

Source: Public domain

Population: 36,153
Services: 87
Groceries: 101
Health Care: 84
Housing: 84
Transportation: 93
Utilities: 87
More on Panama City: Homes For Sale | Data
Panama City is a city and the county seat of Bay County, Florida, United States. Located along U.S. Route 98, it is the largest city between Tallahassee and Pensacola. It is the more populated of two principal cities of the Panama City-Lynn Haven, Florida Metropolitan Statistical Area. As of the 2010 census, the city population was 36,484. When Panama City was incorporated in 1909, its original city limits were 15th Street on the north, Balboa Avenue on the west and Bay Avenue on the east.

2. Callaway


Population: 14,409
Services: 87
Groceries: 101
Health Care: 84
Housing: 88
Transportation: 93
Utilities: 87
More on Callaway: Homes For Sale | Data
Callaway is a city in Bay County, Florida, United States, and is a suburb of Panama City. The population was 14,405 at the 2010 census. It is part of the Panama City-Lynn Haven-Panama City Beach Metropolitan Statistical Area.

3. Crestview

Crestview, Florida

Population: 21,104
Services: 87
Groceries: 101
Health Care: 84
Housing: 97
Transportation: 93
Utilities: 87
More on Crestview: Homes For Sale | Data
Crestview is a city in Okaloosa County, Florida, United States. The population was 20,978 at the 2010 census. It is the county seat of Okaloosa County.

4. Niceville

Niceville, Florida

Population: 12,977
Services: 87
Groceries: 101
Health Care: 84
Housing: 108
Transportation: 93
Utilities: 87
More on Niceville: Homes For Sale | Data
Niceville is a city in Okaloosa County, Florida, United States, located near Eglin Air Force Base on Boggy Bayou that opens into Choctawhatchee Bay.

5. Lynn Haven

Lynn Haven, Florida

Population: 18,393
Services: 87
Groceries: 101
Health Care: 84
Housing: 110
Transportation: 93
Utilities: 87
More on Lynn Haven: Homes For Sale | Data
Lynn Haven is a city in Bay County, Florida, United States, north of Panama City. The population was 18,493 at the 2010 census. It has the smaller population of the two principal cities of the Panama City – Lynn Haven Metropolitan Statistical Area.

6. Destin

Destin, Florida

Population: 12,425
Services: 87
Groceries: 101
Health Care: 84
Housing: 145
Transportation: 93
Utilities: 87
More on Destin: Homes For Sale | Data
Destin is a city located in Okaloosa County, Florida. It is a principal city of the Fort Walton Beach-Crestview-Destin, Florida Metropolitan Statistical Area.

7. New Port Richey

New Port Richey, Florida

Population: 15,113
Services: 96
Groceries: 99
Health Care: 91
Housing: 61
Transportation: 102
Utilities: 103
More on New Port Richey: Homes For Sale | Data
New Port Richey is a city in Pasco County, Florida, United States. It is a suburban city included in the Tampa-St. Petersburg-Clearwater, Florida Metropolitan Statistical Area.

8. Zephyrhills

Zephyrhills, Florida

Population: 13,515
Services: 96
Groceries: 99
Health Care: 91
Housing: 66
Transportation: 102
Utilities: 103
More on Zephyrhills: Homes For Sale | Data
Zephyrhills is a city in Pasco County, Florida, United States. The population was estimated at 14,381 in the 2014 census. It is a suburb of the Tampa Bay Metropolitan Statistical Area. Zephyrhills is also known as the headquarters of the Zephyrhills bottled water company and is a member of Tree City USA.

The community was founded in 1910 by Captain Howard B. Jeffries. Jeffries planned on making the community a home for Civil War veterans. A Founders Day celebration is held annually in March.

9. Bartow

Bartow, Florida

Population: 17,422
Services: 96
Groceries: 99
Health Care: 91
Housing: 69
Transportation: 102
Utilities: 103
More on Bartow: Homes For Sale | Data
Bartow is the county seat of Polk County, Florida, United States. Founded in 1851 as Fort Blount, the city was renamed in honor of Francis S. Bartow, the first brigade commander to die in combat during the American Civil War. According to the U.S. Census Bureau 2000 Census, the city had a population of 15,340 and an estimated population of 16,959 in 2009. It is part of the LakelandWinter Haven Metropolitan Statistical Area, which had an estimated population of 584,383 in 2009. As of 2016, the mayor of Bartow is Trish Pfeiffer.

10. Largo

Largo, Florida

Population: 77,502
Services: 96
Groceries: 99
Health Care: 91
Housing: 70
Transportation: 102
Utilities: 103
More on Largo: Homes For Sale | Data
Largo is the third largest city in Pinellas County, Florida, United States, and is part of the Tampa Bay Area. As of the 2014 Census estimate, the city had a population of 84,500, up from 69,371 in 2000.

There You Have It Mr. Or Mrs. Cheapskate

If you’re looking at the cost of living numbers in Florida, this is an accurate list of the cheapest places to call home.

Detailed List Of The Cheapest Places In Florida

City Rank Population Services Groceries Health Care
Panama City 1 36,153 87 101 84
Callaway 2 14,409 87 101 84
Crestview 3 21,104 87 101 84
Niceville 4 12,977 87 101 84
Lynn Haven 5 18,393 87 101 84
Destin 6 12,425 87 101 84
New Port Richey 7 15,113 96 99 91
Zephyrhills 8 13,515 96 99 91
Bartow 9 17,422 96 99 91
Largo 10 77,502 96 99 91
Lakeland 11 98,317 96 99 91
Pinellas Park 12 49,136 96 99 91
Plant City 13 34,961 96 99 91
Gulfport 14 12,063 96 99 91
Clearwater 15 108,138 96 99 91
Tarpon Springs 16 23,382 96 99 91
Tampa 17 339,391 96 99 91
Dunedin 18 35,339 96 99 91
Oldsmar 19 13,565 96 99 91
Temple Terrace 20 24,705 96 99 91
Seminole 21 17,246 96 99 91
Lake City 22 12,133 95 102 98
Pensacola 23 52,246 96 103 88
Ocala 24 56,598 95 102 98
Safety Harbor 25 16,903 96 99 91
Haines City 26 20,531 98 107 96
Cocoa 27 17,254 98 107 96
Fort Walton Beach 28 19,814 96 103 88
Winter Haven 29 34,118 98 107 96
Titusville 30 43,855 98 107 96
Lake Wales 31 14,268 98 107 96
Gainesville 32 124,981 95 102 98
Leesburg 33 20,463 98 107 96
Tavares 34 14,011 98 107 96
Auburndale 35 13,623 98 107 96
Lady Lake 36 14,043 98 107 96
Kissimmee 37 60,830 98 107 96
Sanford 38 53,299 98 107 96
Eustis 39 18,727 98 107 96
Casselberry 40 26,292 98 107 96
Rockledge 41 25,000 98 107 96
Altamonte Springs 42 41,761 98 107 96
Tallahassee 43 181,821 86 107 97
Orlando 44 240,185 98 107 96
Apopka 45 41,908 98 107 96
Clermont 46 28,302 98 107 96
Longwood 47 13,796 98 107 96
Palatka 48 10,572 99 110 96
Holly Hill 49 11,730 103 105 95
Mount Dora 50 12,445 98 107 96
Orange City 51 10,653 103 105 95
Ocoee 52 36,072 98 107 96
Winter Springs 53 33,331 98 107 96
Winter Garden 54 34,508 98 107 96
South Daytona 55 12,388 103 105 95
Oviedo 56 33,726 98 107 96
Daytona Beach 57 61,779 103 105 95
Lake Mary 58 13,917 98 107 96
Belle Glade 59 17,597 99 102 99
Maitland 60 15,913 98 107 96
Lauderdale Lakes 61 32,912 99 102 99
Winter Park 62 28,283 98 107 96
Palm Springs 63 19,551 99 102 99
Edgewater 64 20,796 103 105 95
Lauderhill 65 67,553 99 102 99
Port Orange 66 56,242 103 105 95
Deltona 67 84,973 103 105 95
Jacksonville 68 823,652 104 102 90
Deerfield Beach 69 75,724 99 102 99
Lake Worth 70 35,246 99 102 99
Greenacres 71 37,447 99 102 99
West Park 72 14,306 99 102 99
Sebring 73 10,462 102 113 96
North Lauderdale 74 41,352 99 102 99
Margate 75 53,821 99 102 99
Tamarac 76 60,849 99 102 99
Fort Pierce 77 42,350 102 113 96
Hallandale Beach 78 37,343 99 102 99
Lantana 79 10,445 99 102 99
Ormond Beach 80 38,372 103 105 95
Palm Coast 81 75,143 99 110 96
Oakland Park 82 41,841 99 102 99
Riviera Beach 83 32,640 99 102 99
Palm Bay 84 102,814 102 113 96
Melbourne 85 76,609 102 113 96
Stuart 86 15,653 102 113 96
Boynton Beach 87 68,467 99 102 99
New Smyrna Beach 88 22,658 103 105 95
Dania Beach 89 29,815 99 102 99
Pompano Beach 90 100,819 99 102 99
Sunrise 91 85,745 99 102 99
Coconut Creek 92 53,104 99 102 99
Hollywood 93 142,060 99 102 99
West Palm Beach 94 99,803 99 102 99
Fernandina Beach 95 11,573 104 102 90
Sebastian 96 21,881 102 113 96
Jacksonville Beach 97 21,470 104 102 90
Delray Beach 98 61,231 99 102 99
Royal Palm Beach 99 33,876 99 102 99
Davie 100 92,587 99 102 99
Pembroke Pines 101 155,578 99 102 99
Palmetto 102 12,761 104 103 108
North Palm Beach 103 12,114 99 102 99
Atlantic Beach 104 12,799 104 102 90
Miramar 105 121,447 99 102 99
Wilton Manors 106 11,787 99 102 99
Fort Lauderdale 107 167,370 99 102 99
West Melbourne 108 18,259 102 113 96
Coral Springs 109 122,219 99 102 99
Palm Beach Gardens 110 48,338 99 102 99
Wellington 111 56,391 99 102 99
Aventura 112 35,613 99 102 99
North Port 113 56,148 104 103 108
Cooper City 114 29,580 99 102 99
Lighthouse Point 115 10,471 99 102 99
Fort Myers 116 63,427 104 103 108
Boca Raton 117 85,738 99 102 99
Weston 118 65,233 99 102 99
Bradenton 119 50,141 104 103 108
Vero Beach 120 15,505 102 113 96
Parkland 121 24,050 99 102 99
Satellite Beach 122 10,297 102 113 96
Cocoa Beach 123 11,368 102 113 96
Cape Coral 124 155,405 104 103 108
Jupiter 125 55,133 102 113 96
Homestead 126 59,866 106 107 104
Sarasota 127 52,501 104 103 108
Sweetwater 128 17,600 106 107 104
Venice 129 20,803 104 103 108
Miami Gardens 130 107,884 106 107 104
Florida City 131 11,313 106 107 104
North Miami Beach 132 41,938 106 107 104
North Miami 133 59,362 106 107 104
Bonita Springs 134 44,517 104 103 108
Hialeah 135 226,837 106 107 104
Punta Gorda 136 16,685 104 103 108
Hialeah Gardens 137 21,841 106 107 104
Miami 138 401,927 106 107 104
Cutler Bay 139 40,390 106 107 104
Naples 140 19,933 104 103 108
Miami Springs 141 13,909 106 107 104
Sunny Isles Beach 142 20,739 106 107 104
Miami Beach 143 88,628 106 107 104
Miami Lakes 144 29,329 106 107 104
South Miami 145 11,717 106 107 104
Doral 146 45,233 106 107 104
Miami Shores 147 10,482 106 107 104
Palmetto Bay 148 23,650 106 107 104
Key West 149 24,657 106 107 104
Marco Island 150 16,570 106 107 104
Coral Gables 151 47,285 106 107 104
Pinecrest 152 18,464 106 107 104
Key Biscayne 153 12,385 106 107 104

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