The Most Affordable Beach Towns to Live in Florida (Part 2)

In Part 1 of this series, we looked at five affordable beach towns in Florida— Pensacola, Fort Pierce, New Smyrna Beach, Gulfport, and Mexico Beach—each with a special combination of coastal appeal and economy. These communities show that one does not have to spend fortune to enjoy the Florida beach way of life.

In Part 2, we will be covering five more hidden gems where you may live close to the sea without overspending. These locations offer a great mix of beauty, leisure, andcost, whether your search is for a laid-back island town, a historic coastal retreat, or a peaceful fishing village.

6. Cedar Key

• Why live here? Cedar Key is ideal for seeking a “Old Florida” experience. Retirees or remote workers looking to slow down and savor the simple life will find this quiet island town ideal with its small-town appeal, plenty of wildlife, and absence of tall buildings.

• Lifestyle & Attractions:
  • Birdwatchers will find heaven at Cedar Key National Wildlife Refuge.
  • The town boasts a sizable fishing and artistic community.
  • At Tony’s Seafood Restaurant, a local staple, try the well-known clam chowder.

• Cost of Living: The median home price in Cedar Key is around $370,000 (Redfin), offering an affordable slice of Old Florida charm.

7. Port St. Joe

• Why live here? Port St. Joe, well-known for its laid-back, friendly atmosphere, presents stunning Gulf Coast vistas free from traffic. Families, retirees, and everyone else that enjoys the great outdoors will find it ideal. Originally a busy port, this little town is today known for its laid-back vibe.

• Lifestyle & Attractions:
  • Not far is Cape San Blas, with immaculate white sand beaches.
  • Local favorites including boating, kayaking, and scalloping are provided by St. Joseph Bay.
  • Every year, the town celebrates the dedication of the region to wildlife preservation by holding the Forgotten Coast Sea Turtle Festival.

• Costs of living: More reasonable than those in Destin or Panama City (Norada Real Estate).

8. St. Augustine Beach

• Why live here? St. Augustine Beach presents a special coastal experience with cultural attractions,combining modern beach living with historic appeal. The beach is just a short drive from St. Augustine, the oldest continuously inhabited European settlement in the U.S., making it ideal for history buffs who still want to live by the sea.

• Lifestyle & Attractions:
  • Discover Castillo de San Marcos, the American oldest masonry fort.
  • Kayaking, birdwatching, and hiking in Anastasia State Park
  • Savor waterfront dining at Salt Life Food Shack, a well-known venue for residents as well as guests.

• Cost of Living: More reasonably priced than Miami, Naples, and other coastal cities of South Florida.

9. Vero Beach

• Why live here? Vero Beach presents immaculate beaches, a vibrant art scene, and lovely natural preserves; it is well-known for its elegant feel without the expensive price. It’s a more subdued substitute for Fort Lauderdale or adjacent Palm Beach.

• Lifestyle & Attractions:
  • See a show at Riverside Theatre or tour the Vero Beach Museum of Art.
  • Saunter gently across the McKee Botanical Garden.
  • Kayak beside the most biodiverse estuaries in North America, the Indian River Lagoon.

• Cost of Living: Less than Palm Beach; provides comparable landscape without paying for it.

10. Flagsler Beach

• Why live here? Flagler Beach is the place to be if you enjoy a laid-back, surf-town attitude. Tucked between Daytona Beach and St. Augustine, this little treasure is well-known for its orange-hued sand, surfable waves, and local appeal.

• Lifestyle & Attractions:
  • For stunning ocean views, walk down Flagler Beach Pier.
  • For fresh food and regional treats, check out the Flagler Beach Farmers Market.
  • For a little history and nature, visit Bulow Plantation Ruins Historic State Park.

• Cost of Living: More affordable than Daytona and St. Augustine, making it a great middle-ground option.

Final Thoughts

It is abundantly evident from looking at ten of Florida’s most reasonably priced beach communities that coastal living does not have to be expensive. From the eccentric beauty of Gulfport to the old appeal of St. Augustine Beach — and the laid-back vibe of Cedar Key and Port St. Joe — there is a Florida beach town ideal for every income level and way of life.

Why are so many people right now choosing Florida? It’s not only the beaches and sunlight bringing people in. With favorable tax policies, a business-friendly environment, and affordable living options — especially compared to other coastal states — Florida continues to be a top destination for both families and businesses alike.

For more insights into Florida’s growing appeal, check out our article on Why Companies Are Relocating to Tampa, Florida — and why you might want to, too!