Cheapest Places to Live in Florida 2022

Cheapest Places to Live in Florida 2022

Nick Polyushkin / 6 minutes read / Jan 24, 2023
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Florida has it all: Sun, space, swamps, and more – no doubt about it. Whether you’re a beach bum, a city dweller, or prefer the solitude of acres of wooded forest, there are endless options of places to live in Florida. Whether you’re looking for the safest place to live or want the Southern charm of the panhandle, Florida has some of the best places to live. 

What’s increasingly hard to find, though, in today’s economy is cheap places to live. This is difficult for families trying to make ends meet but also tricky for investors trying to buoy the economy and help those families without centralized support.

Luckily, Florida has cheap places to live that are perfectly in line with some of the most attractive, up-and-coming locales. Compounding the cheap availability of housing in Florida is another benefit – no income, estate, or inheritance tax, so your money remains in your pocket as a resident.

There’s no wrong answer when it comes to answering a question ‘What are the cheapest places to live in florida’ to call home – all you need is some research!

Cape Coral 

Cape Coral is often known as the “Venice of America,” and it’s easy to see why. With nearly 500 miles of navigable canals, waterfront property is expected in Cape Coral, and just looking out of your back window brings a Venetian summer day to mind. 

The city is one of the cheapest places to live on the water in Florida. Waterfront property is at a premium nationally, but Cape Coral is one of the few places it’s still easily had. With a shockingly-low median family home price of $225,000, Cape Coral offers a refuge for those fleeing national home price spikes. 

Fort Meade 

Fort Meade is one of the cheapest places to live in Florida and one of the safest places as well. The FBI pegs your chances of being a victim of crime at 1 in 86, which is well below the national average. Even victimless crimes are low at less than 10 per 1,000 residents, definitively putting Fort Meade on the map as one of the safest places in Florida to live. 

It’s also cheap. As a more rural Florida locale, land can be bought and developed quickly and affordably. It’s also nestled right between the coasts, so traveling to and from beaches is a cinch if you need a change of scenery from your new sprawling ranchland (that you got at a bargain!).


Beach bums rejoice – Edgewater is right on the east coast of Florida, sandwiched between Daytona and Cape Canaveral. Both are tourism hotspots, but Edgewater gives peaceful scenery and relaxed vibes without all the stress of having tourists flood your home. It’s also a safe place to live in Florida, with a violent crime just as low as Fort Meade, so families who want a beachside home over rural ranch life may pick Edgewater.

Besides, it’s one of the cheapest places to live in Florida, and in addition to affordable homes, Edgewater boasts a low population (23,000), so utilities, food, and even healthcare costs are low in Edgewater.


Jacksonville is an urban gem of the south and one of the cheapest places to live in Florida. Often overlooked when we think of busting cities, Jacksonville offers all of the culture and fun as a big city with much more affordable housing and living standards. It’s also got beachside housing, so Jacksonville truly offers whatever you may be looking for, especially if you’re in search of cheapest places to live in Florida on the beach. 

Home prices are consistently below the national average, which is unheard of for such an urban escape. Even better, the general cost of living expenses, including food and entertainment, are below the national average despite a grand offering of cultural touchpoints and things to do.


When you hear Florida, most think of Orlando. Less than an hour from the Kennedy Space Center, Orlando is home to Disney and other major theme parks. A hub for relocating businesses and emerging tech, Orlando is a new hot spot for young professionals and families to start their lives in one of the cheapest places to live in Florida 2022. 

Already bustling, new coffee shops, bars, and shopping areas are springing up in Orlando daily. The site is proliferating, but it isn’t too late to grab a piece of a future Floridian metropolis that saves much of the southern charm and relaxed atmosphere that are hallmarks of the area.


Gainesville is home to the University of Florida, the state’s largest and most prestigious public university. Despite this, Gainesville retains its rural attractiveness and small-town feel, although university-centric culture and city life are always available.

You’d expect a big university town to be expensive, but it isn’t. Gainesville is one of the cheapest and safest places to live in Florida, and the overall cost of living is well below the national average. This is particularly important and impactful in today’s inflationary environment, where every dollar counts. Your home value is guaranteed to increase over time as the university will be a draw for decades to come.


The cost of living in Quincy isn’t cheap by any means but compared to other areas of Florida, it’s among the best and cheapest places to live in Florida. Quincy, Florida, is home to Munroe High School, which has a disproportionately high number of NFL draftees, considering how relatively small and rural the town is. Quincy is just a few minutes’ drive from the state capitol, without the crime and unpleasantness many associate with Tallahassee. 

Its population is tiny at less than 10,000, so plenty of land is available for cheap. Quincy is a small-town oasis in the Florida panhandle area and is a great place to buy a home if you’re looking for the safest and cheapest places to live in Florida.


Dunedin is different from most beach towns in Florida, but the city can be ranked as one of the best cheapest places to live in Florida. It’s on the Gulf Coast, very close to Tampa and other metropolitan hubs but escapes the flood of tourists and expensive housing that befall Tampa and its coastal cousins. 

This makes Dunedin a perfect spot for a family seeking cheapest places to live in south Florida, as well as a sleepy beach town that is also low-crime with good schools, fantastic job prospects within the city, and a short commute.


However, if you are looking for cheapest places to live in central Florida, Bartow might be a good option. This city has an average cost of living index that is lower than the state average and its crime rate ranks below the national average.

Bartow is in Central Florida, sandwiched directly between Orlando and Tampa, thus offering both beachside living and theme park access within less than 50 miles. Nearly all expenses in Bartow are lower than the national average, and Bartow’s public school system is renowned for its International Baccalaureate programs. 

With the cost of living under 12% of the state average and home prices around $250,000, Bartow is a perfect spot for families looking for the cheapest places in Florida to live.


Questions & Answers

What Сity is the Сheapest to Live in Florida?

There are some cheaper options in Florida, but at a cost. For example, Lake Okeechobee is very affordable, but unemployment is high. Cocoa is also very reasonable but is not safe, as it has a high crime rate. Bartow is the cheapest place to live in Florida for the best mix of affordability and other good qualities. 

What City in Florida has the Cheapest Rent?

For urban living young professionals, Jacksonville has the cheapest city rent at slightly over $1,000 monthly. For remote workers or those not needing city life, Bartow's monthly rent barely breaks $600. 

What is the Most Affordable Beach Town in Florida?

We said that Dunedin is a hidden treasure, and the city is among the cheapest places to live in Florida near the beach despite being so close to Tampa and other expensive coastal cities. 

About the author:
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Nick Polyushkin

Nick is results-oriented leader with deep and broad experience in finance, marketing and real estate. Nick is a leader who has had significant success growing real estate businesses by building client-focused high performing teams, improving investment and operating performance, and increasing brand value and marketplace visibility.

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