Florida is still one of the top retirement destinations in the U.S.—and not just for snowbirds. With no state income tax, plenty of sunshine, and a wide range of housing prices, it’s possible to retire earlier than planned if you know where to look. These seven Florida spots offer a mix of affordability, lifestyle, and access to amenities—without the sky-high prices found in bigger cities like Miami or Naples.
Ocala
Ocala is quietly becoming a retiree favorite thanks to its low home prices, laid-back pace, and access to nature. The median home price is around $275,000, well below the state average, according to Zillow.
It’s also home to several 55+ communities and sits near the Ocala National Forest, offering hiking, kayaking, and golf without the resort markup. If you want to retire sooner without giving up a peaceful lifestyle, Ocala checks a lot of boxes.
Sebring
Located in Central Florida, Sebring is one of the most affordable places to live in the state. The median home price hovers around $230,000, and the overall cost of living is roughly 15% below the national average, based on BestPlaces data.
Sebring offers lakeside living, golf courses, and easy drives to either coast. It’s ideal for early retirees who want a slower pace and minimal financial pressure.
Pensacola
Pensacola delivers coastal living at a price that’s hard to beat. Located in Florida’s panhandle, it combines Gulf beaches with Southern charm—and home prices are still below $300,000 in many neighborhoods.
It also boasts a strong military and healthcare presence, making it both stable and service-rich. If you want beach access without the sticker shock of South Florida, Pensacola is worth a look.
Inverness
Inverness sits in Citrus County, often overlooked but incredibly budget-friendly. The median home price is under $250,000, and property taxes remain low compared to other parts of the state.
The area is surrounded by freshwater springs, bike trails, and quiet neighborhoods. It’s a strong option for anyone looking to retire early and stretch their savings without sacrificing lifestyle.
Palm Bay
While some parts of Florida’s east coast have become pricey, Palm Bay remains relatively affordable. Homes average around $290,000, and retirees benefit from easy access to beaches, medical facilities, and nearby Melbourne amenities.
It’s one of the fastest-growing cities in Brevard County but still holds onto its small-town feel. If you’re eyeing early retirement without losing access to modern conveniences, Palm Bay is a solid pick.
North Port
Located just south of Sarasota, North Port is more affordable than many of its Gulf Coast neighbors. With median home prices around $310,000 and a growing number of healthcare centers and community services, it’s ideal for retirees seeking value in a warm climate.
Despite recent storm impacts, real estate agents report that new construction and recovery efforts have kept housing prices relatively stable. It’s a good option for those looking to settle in early before demand rises further.
Leesburg
Leesburg is a classic retirement town—with prices that still allow for early exit from the workforce. Located in Lake County, about 45 minutes northwest of Orlando, it offers small-town vibes, golf courses, and plenty of waterfront living.
Median home prices are just under $280,000, and there’s no shortage of 55+ communities. If you want to retire sooner and still be within driving distance of major attractions, Leesburg makes the shortlist.
Alexander Clark is a financial writer with a knack for breaking down complex market trends and economic shifts. As a contributor to The Daily Overview, he offers readers clear, insightful analysis on everything from market movements to personal finance strategies. With a keen eye for detail and a passion for keeping up with the fast-paced world of finance, Alexander strives to make financial news accessible and engaging for everyone.
