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Between the beautiful sunny weather and pristine beaches, it's no secret that life in Florida is pretty sweet. And while Florida is often billed as a retirement state, that doesn't mean it's just one massive golf course.
From the laid-back tropical vibes of the Florida Keys to the diverse dynamism of Miami, there's something for every speed in Florida. Ecotourists visit the Everglades in ever-growing numbers, and the folks with Peter Pan syndrome delight at having Disney World right in their backyard. And if you want to see where the Apollo 11 took off, the Kennedy Space Center is just one small step from Orlando.
Alright, alright, Florida's awesome, but what places are the absolute best to call home? In general, if you start off in Miami and drive north up the coast, you'll visit a sizeable chunk of cities featured on this list. Florida's Gulf Coast also has a number of representatives, all of which are south of Tampa. It's no surprise that most of this list consists of coastal and island cities, seeing as beach-living is one of Florida's big draws. But it takes more than some soft sand and crystal clear water to make a place great. It also needs to have the essentials -- quality schools, safe streets, low crime, and a strong economy where no one is left out. It also helps when the cost of living is reasonable, so you won't be delayed joining Florida's other retirees.
If you're planning on moving to Florida, you may want to move quickly, because it's one of the fastest growing states in America. So wash back that Cuban sandwich with a slice of key lime pie and break out your beach chair and parasol, because we're paying a visit to the best places to live in Florida.
The 10 Best Places To Live In Florida For 2020
- Key Biscayne (Photos | Homes For Sale)
- Palm Beach (Photos | Homes For Sale)
- North Palm Beach (Photos | Homes For Sale)
- Tequesta (Photos | Homes For Sale)
- Lighthouse Point (Photos | Homes For Sale)
- Sanibel (Photos | Homes For Sale)
- Naples (Photos | Homes For Sale)
- Belle Isle (Photos | Homes For Sale)
- Satellite Beach (Photos | Homes For Sale)
- Longboat Key (Photos | Homes For Sale)
Where is the best place to live in Florida for 2020? After analyzing 207 places in Florida, Key Biscayne came out as #1 on our list as the best place to live in Florida based on Census and FBI data.
Surprised? We're not.
Who wouldn't want to live on a beautiful mini-island surrounded by the ocean? And, it's close to Miami.
Read on to learn more about who made our top ten list, see how we crunched the numbers, or really just learn more about how epic Key Biscayne is.
For more Florida reading, check out:
- Best Counties To Live In Florida
- Cheapest Places To Live In Florida
- Best Places To Raise A Family In Florida
The 10 Best Places To Live In Florida For 2020
Kicking off our list is Key Biscayne, an island town located just south of Miami. In opposition to the image of Florida as a retiree-state, Key Biscayne's median age is a low 42, so it's fair to say that this is one of the hippest places you'll see on this list. Living in Key Biscayne, you also get access to all the best that Miami has to offer, without the high crime. That's because Key Biscayne has the 5th lowest crime rate in Florida, about 70% lower than the national average. Another perk of Key Biscayne over Miami is the weather; being an island, Key Biscayne has cooler summers and lower precipitation than The Magic City.
Word to the wise: you may want to have a lucrative job lined up before making the move to Key Biscayne, because the median home price here is $1,218,200, the most expensive in Florida. The good news is that the median household income in Key Biscayne is $133,958/year, the 3rd highest in the state, so residents don't have too much trouble making mortgage payments. You also may want to start reading more books if you want to fit in here, because around 35% of Key Biscayne's population has a master's degree or higher.
If you decide to settle down here, you'll probably spend a good amount of time at Bill Baggs Florida State Park on the south end or Crandon Park in the north. That way, you'll never get bored of going to the same beach every day. Key Biscayne bills itself as an "Island Paradise" and, looking at the data, we're inclined to agree!
We're going to take a short drive up the coast to arrive at Palm Beach, the 2nd best place to call home in Florida. Money troubles shouldn't haunt you in Palm Beach, because the economy here is rock-solid. Palm Beach has the 5th lowest rate of unemployment and 10th lowest levels of poverty in Florida, so everyone can enjoy the island vibes here. It also has the 4th highest median household income in the state, with residents pulling in $133,026/year. That high pay is kind of necessary in a place where the homes are the 2nd priciest in the state. But with sub-20 minute commute times, at least your transportation costs will be a little lower here.
One thing to consider before you make the move to Palm Beach: with a median age of 69, this may not be the most high-paced, action-packed place to call home. Sure, it's got the 2nd highest rates of residents with health insurance statewide, but that's mostly due to the fact that greater percentages of old people tend to be insured compared to young people.
Let's take a step back from the hyper-wealthy communities and look at a place where your average Joe can make a good life for himself, North Palm Beach. North Palm Beach's median home cost of $296,600 is substantially lower than elsewhere in the top ten and combined with a median income of $68,057, this village is one of the most overall affordable places you'll see on this list.
We think North Palm Beach residents dig the fact that you can spend 25% as much on a home as in Palm Beach and still have access to awesome beaches like MacArthur Beach. And the unemployment rate in North Palm Beach is a measly 2.9%, so nobody gets left out here. One more plus is that there's no need to fear for your safety here, because North Palm Beach has the 7th lowest crime rate in Florida.
It turns out that if you want a tour of Florida's best places, all you have to is start in Miami and just keep driving north. Tequesta owes its #4 ranking to its safe streets, relatively low cost of living, top-notch schools, and excellent markets for both jobs and housing. As one of Florida's safest cities, you'll never have to worry about someone snagging your Amazon package from your porch in Tequesta.
Tequesta also has the lowest median household income on this list at $64,950, which, along with the cheaper median home price of $359,200, could be considered a good thing since the barrier of entry is slightly easier to cross here. And you better believe that Tequesta's population of 6,011 knows the importance of education, because this village has the 4th lowest rate of high school dropouts in Florida.
Tequesta is also home to Blowing Rocks Preserve, one of the best places to get a gander at sea turtles in Florida.
Next up on our list of best places to live in Florida is Lighthouse Point, an affluent suburb of Fort Lauderdale. Low levels of unemployment and poverty keep Lighthouse Point's economy strong in combination with a median household income of $81,857. It's also one of the most densely-populated cities to make this list, meaning it's unlikely you'll be bored here.
Lighthouse Point also scored a 9.5/10 in the education category of our SnackAbility score, so you better believe kids are getting the best possible start here. And if those kiddos do well enough in school, an ice cream cone from Frosty Point followed by some water park action at Quiet Waters Park makes for a great reward.
An island-city just a half hour outside of Cape Coral, Sanibel is our first representative of Florida's western coast. Sanibel is a wildly popular destination for tourists, thanks to over half the the island being made up of wildlife refuges like Ding Darling and epic beaches like Bowman's Beach. There's seriously an endless amount to do in Sanibel, so you'll be just as excited to live here after ten years as you are on day one.
Sanibel's population is super smart, with about 30% of residents having a master's degree or higher. Big degrees lead to big paychecks, as Sanibel's median household income is $102,135. And since smart people don't usually resort to crime, Sanibel has the 3rd lowest rate of violent crime in Florida.
A city of 21,564 people, Naples is the 103rd biggest city to make the cut for best places to live in Florida. Because of its proximity to the Everglades, Naples is a popular destination for ecotourists. Those looking for a tamer experience will prefer Naples' world-class Botanical Gardens or hanging out at the pier.
If you decide to settle down in Naples, homes here are the 3rd most expensive in the state, but you'll also get the 13th highest income statewide ($94,394/year). As for actually getting to and from work, Naples has one of the lowest commute times on this list of just 19 minutes. On top of that, GreatSchools gave Naples' public schools a 9/10 rating, so you can be confident that you're giving your children a top-notch educational experience.
Located just south of Orlando, Belle Isle comes in as the 8th best place to live in Florida for 2020. Don't worry about locking down a job in Belle Isle, because this city has the lowest rate of unemployment in Florida. Once you do land that job, you can expect a median household income of $85,873/year, so you should have no trouble getting on your feet here.
With such low unemployment, it's no surprise that Belle Isle has the 7th highest rate of people with health insurance in Florida. All in all, Belle Isle has its residents covered on all the essentials. Now that we've handled all the boring stuff, we can turn to Belle Isle's best feature: being only a half hour away from the world-famous Universal Studios Theme Park. We don't think you should have any trouble getting people to visit you with this gem right in your backyard.
The median age in Satellite Beach is 45, which is quite young by Florida standards. That makes it one of the better places for young couples just starting out. Especially when you consider that the cost of living in Satellite Beach is the 103rd lowest on this list. And Satellite Beach makes sure that all its residents are doing alright, because with poverty levels at a low 4.3%, this city has the 4th lowest rate of poverty in Florida.
Seeing as poverty levels generally correlate with crime rates, it's no surprise that Satellite Beach has the lowest crime rate in Florida. This place really ticks all the boxes, and on a budget no less.
We'll wrap up our list of best places to live in Florida with Longboat Key, an island town an hour south of St. Petersburg. Longboat Key has the oldest populous on this list, with a median age of over 70. These septuagenarian residents really know their stuff though, because over 30% of the population have at least a master's degree.
That older population helps explain why Longboat Key has the highest rate of insured residents in Florida. And since old folks don't often go in for violence, Longboat Key's title as the 2nd least violent place in Florida also makes sense.
Both unemployment and poverty rates in Longboat Key are among the top ten lowest statewide, so Longboat Key's economy is about as good as it gets. You can reward yourself for choosing such an awesome place to live by visiting one of many beaches Longboat Key has to offer.
Mapping The Best And Worst Places To Live in Florida
The Pressing Question: Size
Before we even started to collect data, we had to answer a tough question: Is it fair to pit Tallahassee with a population of 190,180 against places with a population of 18?
We firmly decided no, that just isn't fair.
So to create our ranking, we broke places to live into three tiers:
- Cities -- Populations over 5,000
- Towns -- Populations between 1,000 and 5,000
- Small Towns -- Populations below 1,000
This left us with 207 cities, 279 towns, and 126 small towns.
We then decided, no matter how much anyone loves their town, the best cities to live in Florida have more of everything and therefore you need to have over 5,000 people to truly be 'the best'.
You can see those two top tens at the bottom of the post.
How We Calculated The Best Cities To Live In Florida
Now that we had our set of cities, it was time to rank them.
We ranked each place in Florida across a number of criteria from one to 207, with one being the best.
We then took the average rank across all criteria, with the city posting the lowest overall score being crowned the winner of the title "Best Place To Live In Florida".
The criteria we looked at were:
- Median Home Values
- Median Income
- Population Density (Higher better)
- Unemployment Rate
- Commute Time
- Education Levels
- Health Insurance Coverage
- Poverty rates
After the dust settled, what was the best place to live in Florida? That would be Key Biscayne.
If your city or town isn't among the top 10, jump down to the bottom of the post to see a detailed chart of the best places in Florida.
Otherwise, buckle up for a ride down good living lane with Key Biscayne at the end of the cul-de-sac.
Wrapping Up The Best Places When It Comes To Living In Florida
If you're looking at areas in Florida with the best economic situations, where there's lower than average crime, and a lot to do, this is an accurate list.
Key Biscayne made a strong showing to take in the overall number one spot for the best place to live in Florida for 2020.
Best Towns To Live In Florida
- Highland Beach (Pop. 3,689)
- Hillsboro Beach (Pop. 1,467)
- Indian River Shores (Pop. 4,082)
- Pine Ridge CDP (Collier (Pop. 1,833)
- Vineyards (Pop. 3,925)
- Lake Clarke Shores (Pop. 3,517)
- South Beach (Pop. 3,325)
- Harbor Bluffs (Pop. 2,931)
- Melbourne Beach (Pop. 3,189)
- Windermere (Pop. 3,175)
Best Small Towns To Live In Florida
- Jupiter Inlet Colony (Pop. 508)
- Hillsboro Pines (Pop. 510)
- Lazy Lake (Pop. 34)
- Gulf Stream (Pop. 660)
- Sea Ranch Lakes (Pop. 663)
- Golf (Pop. 213)
- Manalapan (Pop. 270)
- Shalimar (Pop. 792)
- Belleair Shore (Pop. 81)
- St. George Island (Pop. 641)
If you're curious enough, here are the worst places to live in Florida according to the data:
- Belle Glade (Pop. 19,358)
- Opa-locka (Pop. 16,420)
- Pahokee (Pop. 6,167)
For more Florida reading, check out:
- Best Places To Retire In Florida
- Richest Cities In Florida
- Safest Places In Florida
- Worst Places To Live In Florida