Cheapest Beach Towns in Florida

Ranked by the numbers, the top 10 are Deerfield Beach ($214,000 median), Daytona Beach ($264,999 median), Clearwater ($312,500 median), Crystal River ($349,000 median), Hallandale Beach ($329,950 median), Pensacola ($330,500 median), Fort Pierce ($319,000 median), Fort Walton Beach ($357,612 median), Panama City Beach ($369,900 median), Englewood ($350,000 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	$1,535	$214,000	$1,561	$2,551	491	+4.5%	91	748
2. Daytona Beach Volusia · list-based	$1,898	$264,999	$1,807	$1,652	347	+3.2%	99	703
3. Clearwater Pinellas	$2,238	$312,500	$1,911	$1,901	607	+3.8%	50	1,184
4. Crystal River Citrus · list-based	$2,338	$349,000	$1,410	$1,842	21	+3.4%	43	139
5. Hallandale Beach Broward · list-based	$2,340	$329,950	$1,561	$2,419	565	+4.5%	65	604
6. Pensacola Escambia - Fl	$2,348	$330,500	—	$1,796	158	+5.9%	52	1,032
7. Fort Pierce St. Lucie	$2,351	$319,000	—	$1,900	198	+2.0%	76	855
8. Fort Walton Beach Okaloosa	$2,445	$357,612	$2,644	$1,812	180	+4.4%	39	408
9. Panama City Beach Bay · list-based	$2,447	$369,900	$1,928	$1,805	751	+3.3%	95	791
10. Englewood Charlotte · list-based	$2,468	$350,000	$2,298	$2,316	87	+1.8%	62	416
11. Delray Beach Palm Beach	$2,533	$359,500	$1,753	$2,698	812	+9.0%	58	1,473
12. Stuart Martin	$2,655	$380,302	$2,580	$2,100	73	+6.8%	66	261
13. Venice Sarasota · list-based	$2,656	$395,000	$2,126	$2,374	224	+1.8%	43	889
14. Palm Coast Flagler · list-based	$2,680	$399,900	$1,626	$1,956	9	+1.6%	72	111
15. Dunedin Pinellas	$2,705	$380,000	$1,911	$2,030	97	+2.3%	57	279
16. Naples Collier · list-based	$2,775	$425,000	$2,147	$2,632	1,640	+4.2%	67	1,833
17. Pompano Beach Broward	$2,792	$394,999	$1,561	$2,293	739	+9.9%	66	1,079
18. Lake Worth Beach Palm Beach · list-based	$2,844	$404,950	$1,753	$1,950	58	+5.0%	72	168
19. St. Augustine St. Johns	$2,866	$435,000	—	$2,169	118	+3.7%	49	1,065
20. Gulf Breeze Santa Rosa	$2,867	$427,000	$2,444	$1,920	19	+4.5%	45	222
21. Boynton Beach Palm Beach	$2,879	$410,000	$1,753	$2,454	532	+7.1%	53	1,376
22. Ormond Beach Volusia	$2,898	$410,000	$1,807	$1,966	116	+4.4%	97	459
23. Bonita Springs Lee · list-based	$2,934	$425,250	$2,197	$3,322	358	+1.6%	63	405
24. Tarpon Springs Pinellas	$3,014	$424,800	$1,911	$1,929	79	+8.8%	64	292
25. Daytona Beach Shores Volusia · list-based	$3,053	$432,450	$1,807	$1,652	223	+3.2%	102	240

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 2026-09-25; deemed reliable but not guaranteed.

The top 10, in detail

1. Deerfield Beach, Broward County

Median asking price $214,000 across 748 current listings, 7% of active-plus-pending under contract, median 91 days on market; the county's Zillow index moved -2.1% over the past year. Owning the median costs about $1,535 a month, 34% of the local median household income of $53,413; typical rent is $2,551. Prices compounded +4.5% 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 $264,999 across 703 current listings, 11% of active-plus-pending under contract, median 99 days on market; the county's Zillow index moved -0.9% over the past year. Owning the median costs about $1,898 a month, 38% of the local median household income of $60,418; typical rent is $1,652. Prices compounded +3.2% 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. Clearwater, Pinellas County

Recorded median sale $312,500 (-3.2% year over year), 1,358 sales in 12 months, 4.5 months of supply (buyer's market), median 49 days to contract. Owning the median costs about $2,238 a month, 42% of the local median household income of $63,990; typical rent is $1,901. Prices compounded +3.8% 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

4. Crystal River, Citrus County

Median asking price $349,000 across 139 current listings, 14% of active-plus-pending under contract, median 43 days on market; the county's Zillow index moved -1.1% over the past year. Owning the median costs about $2,338 a month, 49% of the local median household income of $57,716; typical rent is $1,842. Prices compounded +3.4% a year over five years; the county grew +10.9% in population over five years. Citrus County property tax

5. Hallandale Beach, Broward County

Median asking price $329,950 across 604 current listings, 5% of active-plus-pending under contract, median 65 days on market; the county's Zillow index moved -2.1% over the past year. Owning the median costs about $2,340 a month, 58% of the local median household income of $48,196; typical rent is $2,419. Prices compounded +4.5% a year over five years; the county grew +1.9% in population over five years. Broward County property tax

6. Pensacola, Escambia - Fl 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 $2,348 a month, 42% of the local median household income of $67,654; typical rent is $1,796. 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

7. Fort Pierce, St. Lucie County

Recorded median sale $319,000 (-4.2% year over year), 675 sales in 12 months, 7.3 months of supply (buyer's market), median 76 days to contract. Owning the median costs about $2,351 a month, 45% of the local median household income of $63,214; typical rent is $1,900. Prices compounded +2.0% a year over five years. moving guide · cost of living · best neighborhoods · market data · St. Lucie County property tax

8. Fort Walton Beach, Okaloosa County

Recorded median sale $357,612 (+7.6% year over year), 287 sales in 12 months, 4.7 months of supply (balanced market), median 39 days to contract. Owning the median costs about $2,445 a month, 46% of the local median household income of $63,857; typical rent is $1,812. Prices compounded +4.4% a year over five years; the county grew +6.7% in population over five years. moving guide · market data · Okaloosa County property tax

9. Panama City Beach, Bay County

Median asking price $369,900 across 791 current listings, 24% of active-plus-pending under contract, median 95 days on market; the county's Zillow index moved -0.4% over the past year. Owning the median costs about $2,447 a month, 39% of the local median household income of $76,010; typical rent is $1,805. Prices compounded +3.3% a year over five years; the county grew -0.6% in population over five years. moving guide · market data · Bay County property tax

10. Englewood, Charlotte County

Median asking price $350,000 across 416 current listings, 12% of active-plus-pending under contract, median 62 days on market; the county's Zillow index moved -2.9% over the past year. Owning the median costs about $2,468 a month, 42% of the local median household income of $70,155; typical rent is $2,316. Prices compounded +1.8% a year over five years; the county grew +8.9% in population over five years. moving guide · market data · Charlotte County property tax

Questions people ask

What is the cheapest beach town in Florida?

Deerfield Beach at about $1,535 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 2026-09-25 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.