Cheapest Beach Towns in Florida

Ranked by the numbers, the top 10 are Deerfield Beach ($216,000 median), Daytona Beach ($269,950 median), Delray Beach ($285,000 median), Clearwater ($305,000 median), Crystal River ($344,950 median), Hallandale Beach ($325,000 median), Pensacola ($330,500 median), Englewood ($350,000 median), Boynton Beach ($339,900 median), Fort Pierce ($320,000 median). 67 places qualified with at least 60 homes for sale; the score blends what it costs to own the median home against local income, five-year appreciation, county population growth, market balance, inventory depth and the own-versus-rent gap, all printed in the table.

Florida beach towns by monthly cost to own, lowest first

Place	Cost to own / mo	Median price	Citizens avg premium	Typical rent	Condos for sale	5-yr appreciation / yr	Days to contract	Homes for sale
1. Deerfield Beach Broward · list-based	$1,514	$216,000	$1,561	$2,581	464	+4.8%	92	718
2. Daytona Beach Volusia · list-based	$1,889	$269,950	$1,807	$1,673	355	+3.5%	107	686
3. Delray Beach Palm Beach · list-based	$1,976	$285,000	$1,753	$2,723	820	+5.3%	73	1,463
4. Clearwater Pinellas	$2,138	$305,000	$1,911	$1,800	576	+1.1%	52	1,141
5. Crystal River Citrus · list-based	$2,257	$344,950	$1,410	—	22	+3.9%	41	138
6. Hallandale Beach · list-based	$2,259	$325,000	—	—	511	—	64	547
7. Pensacola Escambia	$2,304	$330,500	$2,364	$1,800	103	+5.9%	52	839
8. Englewood Sarasota · list-based	$2,312	$350,000	$2,126	—	86	+2.3%	60	491
9. Boynton Beach Palm Beach · list-based	$2,344	$339,900	$1,753	$2,397	525	+5.3%	71	1,363
10. Fort Pierce St. Lucie · list-based	$2,358	$320,000	—	$2,363	195	—	80	841
11. Panama City Beach Bay · list-based	$2,418	$374,909	$1,928	$1,702	752	+3.7%	88	805
12. Pompano Beach Broward · list-based	$2,512	$363,000	$1,561	$2,300	735	+4.8%	88	1,097
13. Fort Walton Beach Okaloosa · list-based	$2,582	$389,000	$2,644	$1,555	195	+2.7%	60	474
14. Venice Sarasota · list-based	$2,618	$399,000	$2,126	—	219	+2.3%	55	909
15. Dunedin Pinellas	$2,644	$380,000	$1,911	$2,060	92	+6.3%	56	287
16. Lake Worth Beach Palm Beach · list-based	$2,679	$389,900	$1,753	$1,966	61	+5.3%	68	163
17. Naples Collier · list-based	$2,731	$429,000	$2,147	$2,575	1,648	+4.8%	73	1,853
18. Gulf Breeze Santa Rosa	$2,765	$421,450	$2,444	$1,964	20	+4.4%	48	209
19. Bonita Springs Lee · list-based	$2,768	$410,000	$2,197	$3,253	353	+2.3%	71	399
20. Tarpon Springs Pinellas	$2,830	$407,500	$1,911	$1,955	73	+9.6%	59	287
21. Ormond Beach Volusia	$2,833	$410,000	$1,807	$1,938	110	+4.3%	99	513
22. Stuart Martin · list-based	$2,894	$427,000	$2,580	$2,087	144	+4.2%	79	437
23. Jensen Beach Martin · list-based	$2,953	$436,131	$2,580	$2,553	65	+4.2%	58	199
24. St. Augustine St. Johns	$2,981	$453,314	—	$2,215	121	+4.5%	53	1,069
25. Palm Coast Flagler · list-based	$3,186	$489,500	$1,626	$1,990	15	+2.1%	65	105

How to read it: median price is the recorded MLS sale median for the past 12 months where our feeds carry sold records (at least 120 sales), otherwise the median asking price of current listings (rows marked list-based; appreciation and price change then come from the county Zillow index); cost to own is principal and interest on 80% of that median at the county’s current rate, plus non-homestead property tax at the county’s verified millage (less the $50,000 homestead exemption) and the county’s average Citizens premium; share of income is that annual cost against the Census median household income pooled over the ZIPs where the city’s homes are listed; 5-yr appreciation is the compound annual change in recorded medians; county pop. growth is the county’s five-year Census change. Score = 50 + 10 × (0.35 affordability + 0.15 appreciation + 0.15 population growth + 0.10 market balance + 0.10 inventory depth + 0.15 own-versus-rent), each as a capped z-score across the ranked set. Inputs are prices, costs, incomes, growth and supply only; nothing about the people who live there. Data as of 2026-09-07; deemed reliable but not guaranteed.

The top 10, in detail

1. Deerfield Beach, Broward County

Median asking price $216,000 across 718 current listings, 8% of active-plus-pending under contract, median 92 days on market; the county's Zillow index moved -2.8% over the past year. Owning the median costs about $1,514 a month, 34% of the local median household income of $53,413; typical rent is $2,581. Prices compounded +4.8% a year over five years; the county grew +1.9% in population over five years. Broward County property tax

2. Daytona Beach, Volusia County

Median asking price $269,950 across 686 current listings, 13% of active-plus-pending under contract, median 107 days on market; the county's Zillow index moved -1.6% over the past year. Owning the median costs about $1,889 a month, 38% of the local median household income of $60,418; typical rent is $1,673. Prices compounded +3.5% a year over five years; the county grew +7.7% in population over five years. moving guide · cost of living · best neighborhoods · market data · Volusia County property tax

3. Delray Beach, Palm Beach County

Median asking price $285,000 across 1,463 current listings, 9% of active-plus-pending under contract, median 73 days on market; the county's Zillow index moved -0.1% over the past year. Owning the median costs about $1,976 a month, 34% of the local median household income of $70,748; typical rent is $2,723. Prices compounded +5.3% a year over five years; the county grew +4.2% in population over five years. moving guide · cost of living · best neighborhoods · market data · Palm Beach County property tax

4. Clearwater, Pinellas County

Recorded median sale $305,000 (-4.0% year over year), 320 sales in 12 months, 4.2 months of supply (buyer's market), median 52 days to contract. Owning the median costs about $2,138 a month, 40% of the local median household income of $63,990; typical rent is $1,800. Prices compounded +1.1% a year over five years; the county grew +0.3% in population over five years. moving guide · cost of living · best neighborhoods · market data · Pinellas County property tax

5. Crystal River, Citrus County

Median asking price $344,950 across 138 current listings, 13% of active-plus-pending under contract, median 41 days on market; the county's Zillow index moved -1.7% over the past year. Owning the median costs about $2,257 a month. Prices compounded +3.9% a year over five years; the county grew +10.9% in population over five years. Citrus County property tax

6. Hallandale Beach, County

Median asking price $325,000 across 547 current listings, 6% of active-plus-pending under contract, median 64 days on market. Owning the median costs about $2,259 a month.

7. Pensacola, Escambia County

Recorded median sale $330,500 (+4.3% year over year), 1,220 sales in 12 months, 4.2 months of supply (balanced market), median 52 days to contract. Owning the median costs about $2,304 a month, 40% of the local median household income of $69,802; typical rent is $1,800. Prices compounded +5.9% a year over five years; the county grew +3.8% in population over five years. moving guide · cost of living · best neighborhoods · market data · Escambia County property tax

8. Englewood, Sarasota County

Median asking price $350,000 across 491 current listings, 10% of active-plus-pending under contract, median 60 days on market; the county's Zillow index moved -4.3% over the past year. Owning the median costs about $2,312 a month. Prices compounded +2.3% a year over five years; the county grew +8.9% in population over five years. market data · Sarasota County property tax

9. Boynton Beach, Palm Beach County

Median asking price $339,900 across 1,363 current listings, 10% of active-plus-pending under contract, median 71 days on market; the county's Zillow index moved -0.1% over the past year. Owning the median costs about $2,344 a month, 37% of the local median household income of $76,328; typical rent is $2,397. Prices compounded +5.3% a year over five years; the county grew +4.2% in population over five years. moving guide · cost of living · best neighborhoods · market data · Palm Beach County property tax

10. Fort Pierce, St. Lucie County

Median asking price $320,000 across 841 current listings, 10% of active-plus-pending under contract, median 80 days on market. Owning the median costs about $2,358 a month, 45% of the local median household income of $63,214; typical rent is $2,363. moving guide · cost of living · best neighborhoods · market data · St. Lucie County property tax

Questions people ask

What is the cheapest beach town in Florida?

Deerfield Beach at about $1,514 a month to own the median home, including the county's average Citizens premium of $1,561 a year.

Why are Gulf coast towns cheaper than the Atlantic side?

Not uniformly: the ranking shows both coasts at both ends. What moves the number is land value, condo share (condo medians run lower) and insurance, which tracks wind exposure and roof age more than which coast.

Every ranking in this series

Homes for sale in Florida by city and county · Florida city and relocation guides

Rankings are computed from the published data sources and the formula stated on this page, with no editorial scoring; the inputs are prices, costs, incomes, growth and supply, and the rankings describe housing economics, not the character of any community. Figures are as of 2026-09-07 and change as new sales record. EAB RE Investments LLC dba Momentum Realty is a licensed Florida real estate brokerage. Listing data deemed reliable but not guaranteed. Equal Housing Opportunity.