20 Most Affordable Beach Towns in Florida 2024

Are you thinking of moving to a Florida beach town? Dreaming of living in an affordable Florida beach town? Your dreams may be closer to reality than you think.

Florida, known for its white sand beaches, turquoise waters, and vibrant communities, isn’t just a destination for the well-to-do.

It’s entirely possible to enjoy the idyllic Florida beach lifestyle without breaking the bank.

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From the Gulf Coast beach towns to East Coast beach towns, there are inexpensive beach towns across Florida that can be the perfect fit for your budget.

Below, we will explore the 20 most affordable beach towns in Florida, where you can enjoy the Florida coastal lifestyle without breaking the bank.

Whether you’re a retiree, a young professional looking for a lively atmosphere, or a family wanting to settle near the shore, these affordable Florida beach towns have something for everyone.

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20 Cheapest Beach Towns to Live in Florida

Daytona Beach, FL

Daytona Beach stands out as the most affordable beach town in Florida.

With the world-renowned Daytona Beach right at your doorstep, home prices remain surprisingly attainable, with a median sale price of $262,118.

Residents in Daytona Beach enjoy more than just affordable living; they immerse themselves in a lively beach scene that offers swimming, fishing, boating, and a vibrant nightlife.

The iconic Daytona Beach Boardwalk extends the beach town experience.

Beyond the shores, Daytona Beach is home to numerous golf courses.

Though the town can be bustling, especially during the tourist-driven spring break season, its charm is unbroken with great restaurants and consistent affordability, enhancing its appeal to permanent residents.

Living in Daytona Beach means having the beach virtually at your doorstep; it’s a premier beach town that’s both affordable and unbeatable!

Daytona Beach
Median Home Price	$262,118
Distance to Beach	Right in Town!
Closest Beach Name	Daytona Beach

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New Port Richey, FL

New Port Richey is one of the most affordable Florida beach towns near Tampa. Located just 42 miles from Tampa, it has easy access to both local Gulf Coast beaches and Tampa.

New Port Richey has a beautiful beach right in town at Green Key. Robert K. Rees Memorial Park is a 45-acre beachfront park with a boardwalk.

New Port Richey residents can also go to nearby beaches including Anclote River Park and Anclote Key.

New Port Richey appeals to retirees with its affordable home prices, small-town charm, and proximity to Gulf Coast beaches and Tampa.

New Port Richey, FL
Median Home Price	$269,004
Distance to Beach	Approx 5 miles
Closest Beach Name	Robert K. Rees Memorial Park

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Deerfield Beach, FL

Deerfield Beach is one of the most affordable beach towns in Florida.

Deerfield Beach stands out for its affordability, with a median home sale price of $276,731, compared to neighboring Boca Raton’s $604,917.

Conveniently located 13 minutes from Boca Raton and 14 minutes from Pompano Beach, Deerfield Beach residents have easy access to neighboring towns without paying the high home prices!

Deerfield Beach is a Florida beach town home to a stretch of white sand beach with a boardwalk, fishing pier, and plenty of waterfront restaurants.

Aside from the beach and affordability, Deerfield Beach residents have easy access to amenities like shopping centers, restaurants, and bars, making it one of the best Florida beach towns to live in,

Deerfield Beach
Median Home Price	$276,731
Distance to Beach	Right in Town!
Closest Beach Name	Deerfield Beach

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Titusville, FL

Titusville is a beach town near Orlando.

It is an affordable beach town with a median sale price of homes at $284,977.

Residents have easy access to stunning beaches. Titusville is a short drive to beautiful white sand beaches such as Titusville Beach, Playa Linda Beach, and Canaveral National Seashore.

Wildlife enthusiasts will be delighted by frequent sightings of dolphins, stingrays, and manatees that grace the local waters as well as the wildlife protected at Merritt Island National Wildlife Refuge.

Titusville residents can enjoy the outdoors at Sands Point Park, with a variety of activities including fishing, biking along scenic paths, exploring walking trails, and taking advantage of the picnic areas and playgrounds.

Perhaps one of the most distinct aspects of Titusville is its close proximity to the hub of space exploration in America.

Residents have the unique privilege of watching rocket launches and being near Kennedy Space Center and SpaceX.

For professionals in the aeronautic industry or those fascinated by space travel, Titusville is an unparalleled location.

Titusville, Florida
Median Home Price	$284,977
Distance to Playa Linda Beach	20 minutes

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Pensacola, FL

Pensacola is one of the most affordable beach towns in Florida with a median sale price of homes of $294,808.

Known for its stunning white-sand beaches, Pensacola is a nice Florida town to live in if you want affordability and still be close to the beach.

Pensacola has a small-town vibe but with convenient access to shopping malls and restaurants.

There are a lot of great seafood restaurants in Pensacola including The Fish House and The Grand Marlin.

With its affordable living and inviting beaches, Pensacola is a great place to call home.

Pensacola
Median Home Price	$294,808
Distance to Beach	Right in Town!
Closest Beach Name	Pensacola Beach

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Cocoa, FL

Cocoa, FL is one of the most affordable beach towns near Orlando. It is a charming beach town with an “old-Florida” vibe.

Located just 25 minutes from the stunning Cocoa Beach, Cocoa has a median home price of $305,426.

Cocoa stands out as an affordable beach town, especially when compared to neighboring Cocoa Beach, where the median sale price is $465,250.

Cocoa is also 15 minutes from the Kennedy Space Center plus it has a great waterfront and a vibrant food scene with a wide variety of dining options from cafes to breweries.

Cocoa, FL
Median Home Price	$305,426
Distance to Beach	15 miles
Closest Beach Name	Cocoa Beach

Hudson, FL

Hudson is an affordable beach town near Tampa. It has a median home sale price of $316,462.

It is a 53 minute drive to Tampa and an hour drive to Clearwater, giving Hudson residents easy access to city amenities.

There are also lots of local shops, restaurants, and top-rated hospitals in Hudson.

Aside from the beach, Hudson’s town park, Sunwest Park is a waterfront haven with a white sand, spring-fed lake.

Hudson
Median Home Price	$316,462
Distance to Beach	Right in Town!
Closest Beach Name	Hudson Beach

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Hallandale Beach, FL

Hallandale Beach is an affordable beach town in South Florida with a median home price of $320,154.

It is conveniently located between Golden Beach and Hollywood and is only 22 minutes from Fort Lauderdale and 30 minutes from Miami.

Hallandale Beach is a beach town with beautiful white sand beaches where residents enjoy relaxing on the beach, swimming, boating, fishing and water sports.

Aside from the beaches, Hallandale Beach is also near many shops and restaurants including Aventura Mall, the 3rd largest shopping mall in America with upscale shops like Hermes and Louis Vuitton.

With its blend of affordability, coastal charm, and urban convenience, Hallandale Beach is one of the best beach towns to live in South Florida.

Hallandale Beach
Median Home Price	$320,154
Distance to Beach	Right in Town!
Closest Beach Name	Hallandale Beach

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St. Augustine Shores, FL

St. Augustine Shores is an affordable beach town near Jacksonville. With a median sale price of $330,800, there are many affordably priced housing options at St. Augustine Shores, ranging from condos to single-family homes.

The beautiful waterfront community with walking paths. There is an 18 hole golf course right in town.

St. Augustine Shores is a 13-minute drive to beautiful Crescent Beach.

Food enthusiasts will appreciate the wide array of restaurants at St. Augustine Shores as well as nearby downtown St. Augustine.

The town’s location is another major advantage. It’s just a 16-minute drive to historic St. Augustine and a 49-minute drive to Jacksonville.

St. Augustine Shores is an attractive option for those looking to enjoy the perks of a beach town without breaking the bank.

St. Augustine Shores
Median Home Price	$330,800
Distance to Beach	13 minutes
Name of Closest Beach	Crescent Beach

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Palm Bay, FL

Palm Bay is an affordable Florida beach town on the East Coast with a median sale price of $334,846.

Residents are a quick drive to beautiful white sand beaches. Palm Bay is just a short 14-minute drive to Melbourne Beach.

Palm Bay is a haven for outdoor lovers. There are many parks in Palm Bay including Palm Bay Regional Park with ball fields and a playground.

Turkey Creek Sanctuary is a great park for walking and wildlife observation.

With convenient beach access, affordability, and a wealth of outdoor amenities, Palm Bay makes a great place to call home.

Palm Bay, Florida
Median Home Price	$334,846
Distance to Melbourne Beach	14 minutes

Largo, FL

Largo is a beach town near a beach giving residents the beach lifestyle without the hefty price tag.

Largo is an affordable beach town with a median home price of $339,623.

Largo residents are just a quick drive to beautiful white sand beaches. There are parks, playground and community pool right in town.

Largo is a 14-minute drive from Indian Rocks Beach and a 20-minute drive to the renowned Clearwater Beach.

Largo is also just a 14-minute drive to the shops and dining of downtown Clearwater.

Largo, Florida
Median Home Price	$339,623
Distance to Indian Rocks Beach	14 minutes
Distance to Clearwater Beach	20 minutes

Melbourne, FL

Melbourne is an affordable beach town near Orlando.

It’s a fantastic place to live and for good reason. With median home prices at $341,025, its affordability attracts families, retirees and young professionals.

Melbourne’s beautiful beaches are a big draw for residents seeking a nice, affordable beach town.

Just 50 minutes from the Kennedy Space Center, there are engineering and tech jobs in Melbourne, making Melbourne an appealing place to live for those in the STEM fields.

Melbourne’s proximity to Orlando, just an hour away, gives access to big city amenities, attractions, and entertainment without the daily hustle and bustle.

Whether you’re a beach lover, a tech worker, a retireee or simply looking for an affordable beach town near Orlando, Melbourne might just be the perfect town to live in!

Melbourne, FL
Median Home Price	$341,025
Distance to Beach	Right in Town
Closest Beach Name	Melbourne Beach

Pompano Beach, FL

Pompano Beach is one of the most affordable beach towns near Miami.

One of the standout features of Pompano Beach is its affordability, especially compared to other South Florida cities. With a median home sale price of $346,765, Pompano Beach is more affordable than Fort Lauderdale which has a median home price of $515,519.

Located less than an hour away from Miami and 20 minutes from Fort Lauderdale, Pompano Beach residents enjoy big-city conveniences.

Pompano Beach is an affordable beach town with miles of sandy beaches perfect for lounging, surfing, or playing beach volleyball.

Aside from stunning beaches, Pompano Beach has a vibrant nightlife with a variety of bars, clubs, and restaurants. As well as lots of local events and festivals.

Pompano Beach
Median Home Price	$346,765
Distance to Beach	Right in town!
Closest Beach Name	Pompano Beach

Cape Canaveral, FL

Cape Canaveral is an affordable Florida beach town to live in with median home prices of $348,492.

With miles and miles of sandy beach, residents enjoy stunning views and can stay active with swimming, fishing, water sports, and kayaking.

Cape Canaveral is also convenient. Aside from being 50 minutes away from Orlando, it’s a major cruise port with lots of dining and shopping.

Cape Canaveral is also home to many attractions such as the world famous Kennedy Space Center.

Cape Canaveral, FL
Median Home Price	$348,492
Distance to Beach	Right in Town
Closest Beach Name	Cape Canaveral Beaches

Fort Walton Beach, FL

Fort Walton Beach is an affordable beach town with a median home sale price of $348,919.

Fort Walton residents are lucky to have beautiful white sand beaches with crystal clear turquoise waters, perfect for relaxing, boating and water sports.

Aside from the stunning beaches, Fort Walton is also convenient to restaurants and shops including nearby shopping centers such as Destin Commons and Silver Sands Premium Outlets.

Fort Walton Beach
Median Home Price	$348,919
Distance to Beach	Right in town!
Closest Beach Name	Fort Walton Beach

Vero Beach, FL

Vero Beach is an affordable Florida beach town with sandy shores and a median sale price of $350,821.

Vero Beach is an affordable place to live with a wide variety of housing options from luxury beachfront properties to starter homes.

The best part about living in Vero Beach is it’s a small community that is not as touristy as other popular Florida beaches, attracting retirees and families.

Vero Beach is also near big Florida cities such as Melbourne, West Palm, and Orlando, providing residents with access to urban conveniences.

Vero Beach, FL
Median Home Price	$350,821
Distance to Beach	Right in Town
Closest Beach Name	Vero Beach

Venice Gardens, FL

Venice Gardens is an affordable Florida beach town near Sarasota. With a median home price of $353,065, Venice Gardens is an affordable beach town without a hefty price tag.

Just a quick, 10-minute drive will take residents to the beautiful Venice Beach, known for its sandy shores and clear waters.

The Venice Gardens community center acts as a hub for local residents with a swimming pool, a playground, and walking trails — perfect for those who lead an active lifestyle or families with children.

Historic downtown Venice, known for its shops and restaurants, is a mere 10-minute drive away.

Adding to the convenience is the town’s proximity to Sarasota. At just 37 minutes away, residents can easily access the urban benefits of a bigger city.

Venice Gardens, FL
Median Home Price	$353,065
Distance to Beach	10 minutes
Name of Closest Beach	Venice Beach

Sebastian, FL

Sebastian is an affordable beach town on the central east coast of Florida. It’s not just a great place to visit; it’s an incredible place to call home.

With a median sale price of $353,564, Sebastian offers affordability for homes with amazing water views and waterway access.

Sebastian is a haven for fishing and boating. Sebastian Inlet is a hotspot for saltwater fishing. This inlet isn’t just a great place for anglers; it’s also a hub for various water-related recreational activities.

Sebastian’s geographical location adds to its allure. It lies within the Sebastian River Area on the Indian River Lagoon.

The area is home to America’s first National Wildlife Refuge, Pelican Island. Perfect for nature lovers.

The town is strategically located about 14 miles north of Vero Beach and 20 miles south of Melbourne. Sebastian is an easy 21-minute drive to Vero Beach.

Sebastian, FL
Median Home Price	$353,564
Distance to Vero Beach	21 minutes

Clearwater, FL

Clearwater is one of the best beach towns near Tampa. It’s a vibrant city that’s affordable with beautiful beaches.

With a median sale price of $376,204, living near the gorgeous white sand beaches and turquoise waters of the Gulf of Mexico is within reach.

Clearwater is brimming with shops, restaurants, and entertainment venues. The city also comes alive with various festivals and cultural events throughout the year, adding to its lively atmosphere.

If that isn’t enough, Clearwater is just 50 minutes from Tampa and 2.5 hours from Orlando!

Clearwater, Florida
Median Home Price	$376,204
Distance to Clearwater Beach	Right in town!

Lake Worth Beach, FL

Lake Worth Beach is a beautiful beach town on the East Coast of Florida. It’s near West Palm Beach, located just 16 minutes south.

Lake Worth Beach is an affordable beach town with a median sale price of $380,723.

Golf enthusiasts will find themselves at home in Lake Worth, with plenty of golfing opportunities, such as the Lake Worth Municipal Golf Course.

For those seeking a more exclusive experience, the area’s gated golf communities offer single-family homes surrounded by lush fairways and scenic views.

Lake Worth Beach’s white sand beach is a highlight, attracting both residents and visitors. There is also a fishing pier, a great spot for anglers plus beachside restaurants.

Downtown Lake Worth completes the picture with a selection of shops and restaurants. If that’s not enough, Lake Worth is conveniently located to West Palm Beach and Boca Raton.

Lake Worth Beach, Florida
Median Home Price	$380,723
Distance to Lake Worth Beach	Right in town!

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