11 Florida Cities Where You Still Can Pay Under $2K a Month for Your Mortgage

With Florida being such a popular destination for everyone from beach bums to retirees, it may seem too far-fetched a place to live. Whether or not your wallet can handle many cities in Florida tends to boil down to your income versus the cost of living.

Rising property prices are rampant in many areas, and finding a home where your monthly mortgage payment is under $2,000 can be a challenge. However, there are still affordable cities in the Sunshine State where you can comfortably make a home purchase without breaking the bank or even your budget. No matter where your dream Floridan home lands on the map, whether it’s a coastal community or a small-town lifestyle, there are still opportunities for realistic real estate. 

While some of Florida’s more popular cities like Miami, Naples and Sarasota may be out of your price range, there are still plenty of affordable options available across the state. By choosing one of these 11 budget-friendly cities, you can enjoy the perks of living in a place without the hefty mortgage payment.

• Average monthly mortgage payment: $1,702
• Average home value: $311,310
• Average monthly utility bills: $386.67
• Average monthly total cost of living: $3,847

Photo is of nearby Orlando.

• Average monthly mortgage payment: $1,737
• Average home value: $652,392
• Average monthly utility bills: $367.71
• Average monthly total cost of living: $6,121

• Average monthly mortgage payment: $1,779
• Average home value: $400,771
• Average monthly utility bills: $406.38
• Average monthly total cost of living: $4,438

• Average monthly mortgage payment: $1,801
• Average home value: $418,748
• Average monthly utility bills: $398.80
• Average monthly total cost of living: $4,550

Photo is of nearby Kissimmee.

• Average monthly mortgage payment: $1,823
• Average home value: $403,515
• Average monthly utility bills: $389.70
• Average monthly total cost of living: $4,421

• Average monthly mortgage payment: $1,836
• Average home value: $559,484
• Average monthly utility bills: $371.50
• Average monthly total cost of living: $5,558

• Average monthly mortgage payment: $1,850
• Average home value: $405,819
• Average monthly utility bills: $370.36
• Average monthly total cost of living: $4,403

• Average monthly mortgage payment: $1,859
• Average home value: $394,615
• Average monthly utility bills: $391.59
• Average monthly total cost of living: $4,489

• Average monthly mortgage payment: $1,875
• Average home value: $303,784
• Average monthly utility bills: $396.90
• Average monthly total cost of living: $3,750

Photo is of nearby Tarpon Springs.

• Average monthly mortgage payment: $1,919
• Average home value: $599,017
• Average monthly utility bills: $371.50
• Average monthly total cost of living: $5,716

• Average monthly mortgage payment: $1,920
• Average home value: $602,597
• Average monthly utility bills: $399.55
• Average monthly total cost of living: $5,780