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

Map Of The Cheapest Places To Live In florida
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

Rank City CheapScore Population Services Groceries Health Care
1 Panama City 11.92 36,153 87 101 84
2 Callaway 13.67 14,409 87 101 84
3 Crestview 17.5 21,104 87 101 84
4 Niceville 21.58 12,977 87 101 84
5 Lynn Haven 22.0 18,393 87 101 84
6 Destin 26.33 12,425 87 101 84
7 New Port Richey 33.42 15,113 96 99 91
8 Zephyrhills 34.25 13,515 96 99 91
9 Bartow 34.75 17,422 96 99 91
10 Largo 35.0 77,502 96 99 91
11 Lakeland 36.92 98,317 96 99 91
12 Pinellas Park 38.08 49,136 96 99 91
13 Plant City 40.83 34,961 96 99 91
14 Gulfport 42.67 12,063 96 99 91
15 Clearwater 43.92 108,138 96 99 91
16 Tarpon Springs 44.67 23,382 96 99 91
17 Tampa 45.33 339,391 96 99 91
18 Dunedin 45.33 35,339 96 99 91
19 Oldsmar 46.42 13,565 96 99 91
20 Temple Terrace 46.42 24,705 96 99 91
21 Seminole 46.42 17,246 96 99 91
22 Lake City 47.92 12,133 95 102 98
23 Pensacola 49.67 52,246 96 103 88
24 Ocala 50.08 56,598 95 102 98
25 Safety Harbor 50.42 16,903 96 99 91
26 Haines City 51.0 20,531 98 107 96
27 Cocoa 51.92 17,254 98 107 96
28 Fort Walton Beach 52.25 19,814 96 103 88
29 Winter Haven 52.58 34,118 98 107 96
30 Titusville 52.83 43,855 98 107 96
31 Lake Wales 53.25 14,268 98 107 96
32 Gainesville 53.83 124,981 95 102 98
33 Leesburg 53.92 20,463 98 107 96
34 Tavares 53.92 14,011 98 107 96
35 Auburndale 53.92 13,623 98 107 96
36 Lady Lake 55.42 14,043 98 107 96
37 Kissimmee 55.42 60,830 98 107 96
38 Sanford 55.92 53,299 98 107 96
39 Eustis 56.17 18,727 98 107 96
40 Casselberry 56.75 26,292 98 107 96
41 Rockledge 60.5 25,000 98 107 96
42 Altamonte Springs 61.25 41,761 98 107 96
43 Tallahassee 65.0 181,821 86 107 97
44 Orlando 65.08 240,185 98 107 96
45 Apopka 65.67 41,908 98 107 96
46 Clermont 66.5 28,302 98 107 96
47 Longwood 66.92 13,796 98 107 96
48 Palatka 67.0 10,572 99 110 96
49 Holly Hill 67.08 11,730 103 105 95
50 Mount Dora 67.17 12,445 98 107 96
51 Orange City 67.33 10,653 103 105 95
52 Ocoee 67.42 36,072 98 107 96
53 Winter Springs 67.75 33,331 98 107 96
54 Winter Garden 67.75 34,508 98 107 96
55 South Daytona 69.33 12,388 103 105 95
56 Oviedo 69.92 33,726 98 107 96
57 Daytona Beach 70.75 61,779 103 105 95
58 Lake Mary 71.42 13,917 98 107 96
59 Belle Glade 71.83 17,597 99 102 99
60 Maitland 72.75 15,913 98 107 96
61 Lauderdale Lakes 73.08 32,912 99 102 99
62 Winter Park 73.17 28,283 98 107 96
63 Palm Springs 73.83 19,551 99 102 99
64 Edgewater 74.25 20,796 103 105 95
65 Lauderhill 75.67 67,553 99 102 99
66 Port Orange 76.08 56,242 103 105 95
67 Deltona 76.58 84,973 103 105 95
68 Jacksonville 76.83 823,652 104 102 90
69 Deerfield Beach 77.0 75,724 99 102 99
70 Lake Worth 77.5 35,246 99 102 99
71 Greenacres 77.83 37,447 99 102 99
72 West Park 78.42 14,306 99 102 99
73 Sebring 78.58 10,462 102 113 96
74 North Lauderdale 79.0 41,352 99 102 99
75 Margate 79.17 53,821 99 102 99
76 Tamarac 79.42 60,849 99 102 99
77 Fort Pierce 79.75 42,350 102 113 96
78 Hallandale Beach 80.25 37,343 99 102 99
79 Lantana 80.25 10,445 99 102 99
80 Ormond Beach 80.5 38,372 103 105 95
81 Palm Coast 81.5 75,143 99 110 96
82 Oakland Park 82.25 41,841 99 102 99
83 Riviera Beach 82.25 32,640 99 102 99
84 Palm Bay 82.83 102,814 102 113 96
85 Melbourne 82.83 76,609 102 113 96
86 Stuart 82.83 15,653 102 113 96
87 Boynton Beach 84.0 68,467 99 102 99
88 New Smyrna Beach 84.17 22,658 103 105 95
89 Dania Beach 84.67 29,815 99 102 99
90 Pompano Beach 84.67 100,819 99 102 99
91 Sunrise 85.33 85,745 99 102 99
92 Coconut Creek 86.17 53,104 99 102 99
93 Hollywood 86.5 142,060 99 102 99
94 West Palm Beach 87.0 99,803 99 102 99
95 Fernandina Beach 87.25 11,573 104 102 90
96 Sebastian 87.67 21,881 102 113 96
97 Jacksonville Beach 88.42 21,470 104 102 90
98 Delray Beach 88.58 61,231 99 102 99
99 Royal Palm Beach 88.83 33,876 99 102 99
100 Davie 89.08 92,587 99 102 99
101 Pembroke Pines 89.83 155,578 99 102 99
102 Palmetto 89.83 12,761 104 103 108
103 North Palm Beach 90.17 12,114 99 102 99
104 Atlantic Beach 90.25 12,799 104 102 90
105 Miramar 90.58 121,447 99 102 99
106 Wilton Manors 90.58 11,787 99 102 99
107 Fort Lauderdale 90.83 167,370 99 102 99
108 West Melbourne 90.83 18,259 102 113 96
109 Coral Springs 92.0 122,219 99 102 99
110 Palm Beach Gardens 92.33 48,338 99 102 99
111 Wellington 92.5 56,391 99 102 99
112 Aventura 93.42 35,613 99 102 99
113 North Port 93.67 56,148 104 103 108
114 Cooper City 93.83 29,580 99 102 99
115 Lighthouse Point 94.0 10,471 99 102 99
116 Fort Myers 94.25 63,427 104 103 108
117 Boca Raton 94.42 85,738 99 102 99
118 Weston 94.67 65,233 99 102 99
119 Bradenton 94.75 50,141 104 103 108
120 Vero Beach 95.33 15,505 102 113 96
121 Parkland 95.5 24,050 99 102 99
122 Satellite Beach 97.0 10,297 102 113 96
123 Cocoa Beach 97.5 11,368 102 113 96
124 Cape Coral 98.75 155,405 104 103 108
125 Jupiter 99.75 55,133 102 113 96
126 Homestead 100.08 59,866 106 107 104
127 Sarasota 100.67 52,501 104 103 108
128 Sweetwater 101.0 17,600 106 107 104
129 Venice 102.58 20,803 104 103 108
130 Miami Gardens 104.08 107,884 106 107 104
131 Florida City 104.08 11,313 106 107 104
132 North Miami Beach 105.5 41,938 106 107 104
133 North Miami 106.0 59,362 106 107 104
134 Bonita Springs 106.58 44,517 104 103 108
135 Hialeah 106.58 226,837 106 107 104
136 Punta Gorda 108.33 16,685 104 103 108
137 Hialeah Gardens 108.5 21,841 106 107 104
138 Miami 111.17 401,927 106 107 104
139 Cutler Bay 112.17 40,390 106 107 104
140 Naples 113.08 19,933 104 103 108
141 Miami Springs 114.08 13,909 106 107 104
142 Sunny Isles Beach 114.75 20,739 106 107 104
143 Miami Beach 115.33 88,628 106 107 104
144 Miami Lakes 115.33 29,329 106 107 104
145 South Miami 116.25 11,717 106 107 104
146 Doral 116.75 45,233 106 107 104
147 Miami Shores 117.0 10,482 106 107 104
148 Palmetto Bay 117.42 23,650 106 107 104
149 Key West 117.58 24,657 106 107 104
150 Marco Island 117.75 16,570 106 107 104
151 Coral Gables 117.92 47,285 106 107 104
152 Pinecrest 118.25 18,464 106 107 104
153 Key Biscayne 118.58 12,385 106 107 104

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