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.
- Panama City (Photos | Homes For Sale)
- Callaway (Homes For Sale)
- Crestview (Photos | Homes For Sale)
- Niceville (Photos | Homes For Sale)
- Lynn Haven (Photos | Homes For Sale)
- Destin (Photos | Homes For Sale)
- New Port Richey (Photos | Homes For Sale)
- Zephyrhills (Photos | Homes For Sale)
- Bartow (Photos | Homes For Sale)
- 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 some more reading about Florida and the cheapest places in the country:
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:
- Health Insurance
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.
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.
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.
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.
Niceville is a city in Okaloosa County, Florida, United States, located near Eglin Air Force Base on Boggy Bayou that opens into Choctawhatchee Bay.
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.
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.
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.
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.
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.
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. Florida 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.
Here’s a look at the most expensive cities in Florida according to the data:
- Key Biscayne
- Coral Gables
For more Florida reading, check out:
- 10 Best Places To Raise A Family In Florida
- These Are The 10 Best Places To Retire In Florida For 2018
- These Are The 10 Best Counties To Live In Florida