5 Cheapest Places To Live in Florida Near the Beach

When the dead of winter hits for many living in colder climates, it can mean the perfect time to start looking for an escape to warmer climates. A top destination is Florida, which has seen an influx of residents in the past few years.

According to Stefan Rayer, population program director with the Bureau of Economic and Business Research at the University of Florida, people moving to Florida from other places in the U.S. is “the highest number it’s ever been.” A recent annual U-Haul growth index also ranked the state No. 2 in growth among states.

The Sunshine State is known for its stunning coastlines and surprising affordability, especially when it comes to finding beachfront or beach-adjacent properties. Whether you are looking to relocate, invest or become a snowbird in Florida, here’s a list of top destinations with affordable options by the beach.

Median sale price of homes: $415,000

This small yet growing city is located on the Treasure Coast of Florida and recognized for its budget-friendly waterfront living. Among the top draws to the area are quality, affordable housing; good schools; top-notch parks and recreation facilities; nightlife and shopping.

Like many areas of Florida, you’ll have access to beaches, rivers, creeks and other waterways that suit your taste. Despite its growth, some say, the coastal city has maintained its small-town charm, making it an ideal location for young families and retirees alike.

Median sale price of homes: $353,000

Palm Bay ranks in the top 20 cities in Florida according to land mass — so there’s plenty of room for growth in this region. Palm Bay fits the bill if you’re looking for oceanfront living on a budget.

Though this Space Coast city doesn’t have its own beach, there’s easy access to plenty of beautiful beaches via its northern neighboring city of Melbourne and Melbourne Beach (also affordable areas). If you want other waterfront access, the city also provides direct access to several rivers, creeks and canals.

Median sale price of homes: $385,000

Fort Myers is famous for having abundant waterways. Nestled along the Caloosahatchee River, it offers plenty of boating, fishing and sightseeing opportunities. Scenic canals give the city’s neighborhoods a unique charm while offering plenty of affordable waterfront living options.

The area is also known for its shopping, nightlife, local attractions and diverse recreational activities. You can head to Fort Myers Beach on Estero Island, where you’ll see white sandy beaches off warm Gulf waters.

Median sale price of homes: $500,000

Another Brevard County municipality on the Space Coast, this hidden gem might be one of Florida’s best-kept secrets.

It’s a lively, walkable and bustling beach town with lots to do in terms of nightlife, water sports and of, course, the beach. It’s worth noting that the area gets tons of traffic from nearby Disneyland tourists who want a taste of the beach life while visiting Florida.

Single-family homes can be quite expensive in the area; but, if you are willing to get a condo or townhome, you’d likely find something perfect for your price range.

Median sale price of homes: $390,000

Located on Florida’s Gulf Coast, Bradenton is also known for tons of waterfront fun. The city is part of the greater Tampa Bay area but still offers many economical housing choices for families in the area.

Bradenton is situated off the Manatee River and boasts an intricate network of canals and beautiful beaches with clear water and white sand. Bradenton could be a great choice if you’re looking for a place to raise a family amid one of Florida’s most diverse aquatic playgrounds.

Editor’s notes: Median sale prices are as of Dec. 2024. Photos are for representational purposes only and might not reflect the exact locations listed.