Searching for affordable coastal living in the sunshine state? Discover the top 10 cheapest Florida beach towns to live in. We’ll explore home prices, living costs, and the unique charm each town offers.

Key Takeaways

  • Pensacola is highly affordable with median home prices around $257,000, offering family-friendly recreational options and a coastal lifestyle on the Gulf Coast.
  • Deerfield Beach stands out with the lowest median home price of $239,950 among the listed towns, offering pristine beaches, a renowned fishing pier, and a small-town vibe with big-city amenities.
  • Titusville and Fort Pierce offer unique attractions beyond beach life, such as the Kennedy Space Center and a rich cultural scene, while maintaining lower-than-national-average cost of living.

How We Selected These Beach Towns

When it comes to finding affordable beach towns, it’s not just about the price tag; it’s about the value you get for every dollar you spend. Our search for Florida’s most affordable beach towns started by examining the real estate market in various beach towns in Florida. We considered median home prices and selected towns with at least 25 active listings. But we didn’t stop there; we considered the cost of living, the richness of local attractions, and the accessibility to amenities, crafting a list that truly reflects the essence of affordable, quality beachside living in the most affordable beach town among cheap beach towns.

But not only the transaction of buying a new home has to be cheap, also choosing a cheap moving company can help you to achieve your dreams. With no more introduction let’s find out the cheapest Florida beach towns


To start our list of cheapest florida beach towns we have: Pensacola. This town, nestled on Florida’s Gulf Coast in the Florida Panhandle, emerges as a beacon of affordability with median home prices hovering around $257,000. Families can settle down here without giving up their dream of a coastal lifestyle. The city’s beaches, part of Florida’s Gulf Coast, offer not just sun and surf but also a host of family-friendly recreational options from marine life exploration to historical sites that spark the imagination. Just a short drive away, Panama City Beach provides even more opportunities for beachside fun and relaxation.

Daytona Beach

With its iconic sandy shores and a median home price of $271,000, Daytona Beach appeals to those searching for an affordable, lively beach town. However, potential residents should be aware of Daytona’s higher crime rates, where the chance of falling victim to either violent or property crime is one in 28. While this may give some pause, the city’s popularity as a beach destination continues to attract those willing to navigate its challenges for the sake of seaside living.


Titusville stands proud along the Space Coast, offering more than just a glimpse of the ocean. With a median home price of $276,011, it provides an affordable gateway to space exploration at the Kennedy Space Center and a plethora of outdoor activities, including surfing and birdwatching.

Titusville, with its small city charm, maintains a low cost of living at around $2,187 per month, making it an excellent choice for adventurous souls seeking affordability.

Deerfield Beach

Deerfield Beach is a coastal gem, boasting a median home price of $239,950 that shines brightly for bargain hunters. Families can delight in the sun on its pristine beaches or enjoy fishing at its renowned pier. With two theme parks contributing to local entertainment and employment, Deerfield Beach offers all the amenities of a larger city while maintaining a friendly, small-town vibe.

Fort Pierce

Affectionately known as the Sunrise City, Fort Pierce, located near Port St, offers an attractive mix of affordability and culture, boasting a median home price of $287,642. The cost of living here is 1.4% lower than the national average, inviting you to enjoy more for less.

Cultural buffs will relish the array of attractions in the area, including:

  • The Highwaymen Heritage Trail that celebrates local artists
  • The Smithsonian Marine Station
  • The Sunrise Theatre, which hosts a diverse range of performances and exhibitions.

Vero Beach

Vero Beach, a picturesque community with a median home price of $362,000, is a tapestry woven from threads of natural beauty, cultural richness, and a strong sense of belonging. Its low property taxes and cost of living add to the allure, making it an attractive option for those seeking the sunshine state’s coastal lifestyle.

Whether it’s attending a local festival, admiring art at the Vero Beach Museum, or simply soaking up the sun on its white sandy beaches, Vero Beach offers all the amenities of a larger city with a unique charm that’s hard to find elsewhere, even in places like Cocoa Beach or Fort Myers Beach, or on a remote barrier island.


Clearwater, located on Florida’s Gulf Coast, is a symbol of affordability, featuring a median home price of $370,000. It’s a place where residents and visitors alike are drawn to:

  • The 35 miles of sugar-sand beaches that Clearwater Beach is famed for
  • A vibrant array of dining options
  • Cultural festivities like the Clearwater Jazz Holiday
  • Family-friendly attractions such as the Clearwater Marine Aquarium

Tarpon Springs

Offering a unique mix of Greek heritage and Florida charm, Tarpon Springs is an affordable paradise with a median rent of just $1,269. Safety and a cornucopia of entertainment options make it a standout among affordable beach towns. The housing market here is competitive yet fair, with homes often selling for about 4% below list price, reflecting the town’s desirability and the opportunity for a savvy investment.


Melbourne is a prime spot for art lovers and beach enthusiasts alike. This affordable beach town on Florida’s Gulf Coast, not far from Palm Beach, is a sanctuary for creative souls and beach enthusiasts alike, thanks to its thriving arts district.

The annual Melbourne Arts Festival is a particular highlight, drawing a crowd of over 50,000 visitors each April to celebrate the city’s vibrant culture and community spirit.

Lake Worth Beach

Last but not least in our list of “cheapest Florida beach towns” we have Lake Worth Beach that offers:

  • Affordable beach living with a laid-back vibe, similar to Fort Walton Beach
  • A median home price of $440,050
  • Family-friendly beaches
  • The allure of romantic getaways
  • The dynamism of a flourishing business environment


Reflecting on our journey through the cheapest Florida beach towns, it’s clear that the dream of beachfront living doesn’t have to come with a hefty price tag. From Pensacola’s family-friendly shores to Lake Worth Beach’s romantic escapes, each town offers a unique blend of affordability, amenities, and community. Whether you’re drawn to the artsy vibe of Melbourne or the cultural tapestry of Fort Pierce, there’s a beach town on this list that’s sure to capture your heart and not empty your wallet.

Frequently Asked Questions

What makes these beach towns affordable compared to other coastal areas in Florida?

These beach towns are affordable compared to other coastal areas in Florida because they offer lower median home prices and cost of living, allowing you to enjoy a coastal lifestyle without overspending.

Are there family-friendly beaches in these towns?

Yes, there are family-friendly beaches in Pensacola, Deerfield Beach, and Lake Worth Beach, offering a variety of recreational options for everyone to enjoy.

How did you determine the safety of these towns?

I determined the safety of these towns by referencing crime rates and gathering feedback from the community, which revealed disparities in safety levels among towns like Daytona Beach and Tarpon Springs. Keep in mind that safety can vary widely between different towns.

Are there cultural attractions in these affordable beach towns?

Absolutely, these affordable beach towns offer a range of cultural attractions, including museums, art galleries, festivals, and theaters, such as the Eau Gallie Arts District in Melbourne and the Sunrise Theatre in Fort Pierce. Enjoy exploring the vibrant cultural scenes!

Can I find a competitive housing market in these towns?

Yes, you can find a competitive housing market in towns like Tarpon Springs, indicating potential for good investment opportunities