These Are The 10 Most Affordable Places In Florida


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 156 largest places in Florida, we were left with this set of the best value for your money:

  1. New Port Richey
  2. Zephyrhills
  3. Bartow
  4. Haines City
  5. Panama City
  6. Largo
  7. Palatka
  8. Cocoa
  9. Sebring
  10. Callaway

So listen up Key Biscayne as we explain how we created this ranking, you could learn some things from the rest of the state.

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How We Determined The Most Affordable Places To Live In The Sunshine State

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 156 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.

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1. New Port Richey

New Port Richey, Florida

Source: Wikipedia

Population: 15,113
Services: 96
Groceries: 99
Healthcare: 91
Housing: 61
Transportation: 102
Utiltiies: 103

2. Zephyrhills

Zephyrhills, Florida

Source: Wikipedia

Population: 13,515
Services: 96
Groceries: 99
Healthcare: 91
Housing: 66
Transportation: 102
Utiltiies: 103

3. Bartow

Bartow, Florida

Source: Wikipedia

Population: 17,422
Services: 96
Groceries: 99
Healthcare: 91
Housing: 69
Transportation: 102
Utiltiies: 103

4. Haines City

Haines City, Florida

Source: Wikipedia

Population: 20,531
Services: 98
Groceries: 107
Healthcare: 96
Housing: 63
Transportation: 103
Utiltiies: 91

5. Panama City

Panama City, Florida

Source: Wikipedia

Population: 36,153
Services: 87
Groceries: 101
Healthcare: 84
Housing: 84
Transportation: 93
Utiltiies: 87

6. Largo

Largo, Florida

Source: Wikipedia

Population: 77,502
Services: 96
Groceries: 99
Healthcare: 91
Housing: 70
Transportation: 102
Utiltiies: 103

7. Palatka

Palatka, Florida

Source: Wikipedia

Population: 10,572
Services: 99
Groceries: 110
Healthcare: 96
Housing: 57
Transportation: 107
Utiltiies: 96

8. Cocoa

Cocoa, Florida

Source: Wikipedia

Population: 17,254
Services: 98
Groceries: 107
Healthcare: 96
Housing: 67
Transportation: 103
Utiltiies: 91

9. Sebring

Sebring, Florida

Source: Wikipedia

Population: 10,462
Services: 102
Groceries: 113
Healthcare: 96
Housing: 56
Transportation: 99
Utiltiies: 124

10. Callaway


Population: 14,409
Services: 87
Groceries: 101
Healthcare: 84
Housing: 88
Transportation: 93
Utiltiies: 87

Detailed List Of Affordable Places In Florida

City Rank Population Services Grociers Healthcare
New Port Richey 1 15,113 96 99 91
Zephyrhills 2 13,515 96 99 91
Bartow 3 17,422 96 99 91
Haines City 4 20,531 98 107 96
Panama City 5 36,153 87 101 84
Largo 6 77,502 96 99 91
Palatka 7 10,572 99 110 96
Cocoa 8 17,254 98 107 96
Sebring 9 10,462 102 113 96
Callaway 10 14,409 87 101 84
Holly Hill 11 11,730 103 105 95
Winter Haven 12 34,118 98 107 96
Orange City 13 10,653 103 105 95
Lakeland 14 98,317 96 99 91
Lake City 15 12,133 95 102 98
Titusville 16 43,855 98 107 96
Belle Glade 17 17,597 99 102 99
Pinellas Park 18 49,136 96 99 91
Lake Wales 19 14,268 98 107 96
Fort Pierce 20 42,350 102 113 96
Leesburg 21 20,463 98 107 96
Tavares 22 14,011 98 107 96
Auburndale 23 13,623 98 107 96
Crestview 24 21,104 87 101 84
Ocala 25 56,598 95 102 98
Lady Lake 26 14,043 98 107 96
South Daytona 27 12,388 103 105 95
Kissimmee 28 60,830 98 107 96
Palmetto 29 12,761 104 103 108
Lauderdale Lakes 30 32,912 99 102 99
Sanford 31 53,299 98 107 96
Pensacola 32 52,246 96 103 88
Plant City 33 34,961 96 99 91
Palm Springs 34 19,551 99 102 99
Eustis 35 18,727 98 107 96
Daytona Beach 36 61,779 103 105 95
Opa-Locka 37 15,329 106 107 104
Casselberry 38 26,292 98 107 96
Niceville 39 12,977 87 101 84
Lauderhill 40 67,553 99 102 99
Melbourne 41 76,609 102 113 96
Stuart 42 15,653 102 113 96
Gulfport 43 12,063 96 99 91
Palm Bay 44 102,814 102 113 96
Lynn Haven 45 18,393 87 101 84
Gainesville 46 124,981 95 102 98
Fort Walton Beach 47 19,814 96 103 88
Clearwater 48 108,138 96 99 91
Deerfield Beach 49 75,724 99 102 99
Tarpon Springs 50 23,382 96 99 91
Tampa 51 339,391 96 99 91
Dunedin 52 35,339 96 99 91
Lake Worth 53 35,246 99 102 99
Edgewater 54 20,796 103 105 95
Rockledge 55 25,000 98 107 96
Greenacres 56 37,447 99 102 99
North Port 57 56,148 104 103 108
Temple Terrace 58 24,705 96 99 91
Seminole 59 17,246 96 99 91
Oldsmar 60 13,565 96 99 91
West Park 61 14,306 99 102 99
Altamonte Springs 62 41,761 98 107 96
Fort Myers 63 63,427 104 103 108
North Lauderdale 64 41,352 99 102 99
Bradenton 65 50,141 104 103 108
Jacksonville 66 823,652 104 102 90
Deland 67 27,013 103 105 95
Margate 68 53,821 99 102 99
Tallahassee 69 181,821 86 107 97
Port Orange 70 56,242 103 105 95
Tamarac 71 60,849 99 102 99
Deltona 72 84,973 103 105 95
Lantana 73 10,445 99 102 99
Hallandale Beach 74 37,343 99 102 99
Homestead 75 59,866 106 107 104
Sebastian 76 21,881 102 113 96
Orlando 77 240,185 98 107 96
Sweetwater 78 17,600 106 107 104
Apopka 79 41,908 98 107 96
Riviera Beach 80 32,640 99 102 99
Oakland Park 81 41,841 99 102 99
Debary 82 19,246 98 107 96
Ormond Beach 83 38,372 103 105 95
West Melbourne 84 18,259 102 113 96
Boynton Beach 85 68,467 99 102 99
Palm Coast 86 75,143 99 110 96
Cape Coral 87 155,405 104 103 108
Dania Beach 88 29,815 99 102 99
Pompano Beach 89 100,819 99 102 99
Clermont 90 28,302 98 107 96
Sunrise 91 85,745 99 102 99
Sarasota 92 52,501 104 103 108
Miami Gardens 93 107,884 106 107 104
Florida City 94 11,313 106 107 104
Coconut Creek 95 53,104 99 102 99
Longwood 96 13,796 98 107 96
Mount Dora 97 12,445 98 107 96
North Miami Beach 98 41,938 106 107 104
Venice 99 20,803 104 103 108
Safety Harbor 100 16,903 96 99 91
Ocoee 101 36,072 98 107 96
North Miami 102 59,362 106 107 104
Hialeah 103 226,837 106 107 104
Hollywood 104 142,060 99 102 99
West Palm Beach 105 99,803 99 102 99
Hialeah Gardens 106 21,841 106 107 104
Winter Garden 107 34,508 98 107 96
Winter Springs 108 33,331 98 107 96
Destin 109 12,425 87 101 84
Vero Beach 110 15,505 102 113 96
New Smyrna Beach 111 22,658 103 105 95
Delray Beach 112 61,231 99 102 99
Oviedo 113 33,726 98 107 96
Royal Palm Beach 114 33,876 99 102 99
Davie 115 92,587 99 102 99
Satellite Beach 116 10,297 102 113 96
Fernandina Beach 117 11,573 104 102 90
Miami 118 401,927 106 107 104
Pembroke Pines 119 155,578 99 102 99
North Palm Beach 120 12,114 99 102 99
Cocoa Beach 121 11,368 102 113 96
Bonita Springs 122 44,517 104 103 108
Wilton Manors 123 11,787 99 102 99
Miramar 124 121,447 99 102 99
Fort Lauderdale 125 167,370 99 102 99
Cutler Bay 126 40,390 106 107 104
Lake Mary 127 13,917 98 107 96
Jacksonville Beach 128 21,470 104 102 90
Punta Gorda 129 16,685 104 103 108
Coral Springs 130 122,219 99 102 99
Jupiter 131 55,133 102 113 96
Maitland 132 15,913 98 107 96
Miami Springs 133 13,909 106 107 104
Palm Beach Gardens 134 48,338 99 102 99
Winter Park 135 28,283 98 107 96
Wellington 136 56,391 99 102 99
Atlantic Beach 137 12,799 104 102 90
Sunny Isles Beach 138 20,739 106 107 104
Aventura 139 35,613 99 102 99
Cooper City 140 29,580 99 102 99
Miami Beach 141 88,628 106 107 104
Miami Lakes 142 29,329 106 107 104
Lighthouse Point 143 10,471 99 102 99
Boca Raton 144 85,738 99 102 99
South Miami 145 11,717 106 107 104
Weston 146 65,233 99 102 99
Doral 147 45,233 106 107 104
Miami Shores 148 10,482 106 107 104
Parkland 149 24,050 99 102 99
Palmetto Bay 150 23,650 106 107 104
Key West 151 24,657 106 107 104
Marco Island 152 16,570 106 107 104
Naples 153 19,933 104 103 108
Coral Gables 154 47,285 106 107 104
Pinecrest 155 18,464 106 107 104
Key Biscayne 156 12,385 106 107 104

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