Cheapest Beach Towns in Florida

Ranked by the numbers, the top 10 are Deerfield Beach ($219,900 median), Daytona Beach ($259,900 median), Delray Beach ($262,500 median), Fort Pierce ($299,000 median), Crystal River ($328,400 median), Boynton Beach ($316,250 median), Clearwater ($320,000 median), Englewood ($330,000 median), Hallandale Beach ($331,950 median), Pensacola ($330,500 median). 68 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	$1,603	$219,900	$1,561	$2,565	496	+4.3%	72	773
2. Daytona Beach Volusia · list-based	$1,895	$259,900	$1,807	$1,615	468	+2.9%	98	971
3. Delray Beach Palm Beach	$1,900	$262,500	$1,753	$2,700	889	-6.1%	51	1,647
4. Fort Pierce St. Lucie	$2,210	$299,000	—	$2,100	232	-2.7%	65	936
5. Crystal River Citrus · list-based	$2,244	$328,400	$1,410	$1,838	30	+3.0%	87	178
6. Boynton Beach Palm Beach	$2,275	$316,250	$1,753	$2,459	567	+3.9%	54	1,464
7. Clearwater Pinellas	$2,330	$320,000	$1,911	$1,984	639	+7.8%	46	1,265
8. Englewood Charlotte	$2,375	$330,000	$2,298	$1,924	111	+1.5%	66	526
9. Hallandale Beach Broward · list-based	$2,395	$331,950	$1,561	$2,455	682	+4.3%	73	732
10. Pensacola Escambia	$2,398	$330,500	$2,364	$1,730	143	+5.9%	52	967
11. Palm Coast Flagler	$2,465	$359,990	$1,626	$1,962	168	+5.4%	114	1,208
12. Fort Walton Beach Okaloosa	$2,489	$357,612	$2,644	$1,887	182	+4.4%	39	418
13. Venice Sarasota	$2,640	$385,000	$2,126	$2,279	274	+1.5%	47	982
14. Pompano Beach Broward	$2,832	$393,750	$1,561	$2,379	749	+7.8%	58	1,145
15. Panama City Beach Bay	$2,848	$425,000	$1,928	$1,790	662	+4.6%	76	696
16. Lake Worth Beach Palm Beach · list-based	$2,856	$399,500	$1,753	$1,962	71	+4.7%	63	192
17. Gulf Breeze Santa Rosa	$2,874	$419,900	$2,444	$2,010	17	+3.9%	46	181
18. Daytona Beach Shores Volusia · list-based	$2,878	$399,900	$1,807	$1,615	238	+2.9%	106	257
19. St. Augustine St. Johns	$2,897	$439,900	—	$2,128	144	+4.1%	50	1,292
20. Dunedin Pinellas	$2,928	$405,000	$1,911	$2,067	108	+2.4%	61	285
21. Ormond Beach Volusia	$2,951	$410,350	$1,807	$1,974	164	+4.2%	100	698
22. Navarre Santa Rosa	$3,004	$439,900	$2,444	$2,104	6	+6.7%	40	107
23. Tarpon Springs Pinellas	$3,068	$425,000	$1,911	$1,973	75	+2.4%	49	302
24. Nokomis Sarasota	$3,222	$474,000	$2,126	$2,079	17	+1.5%	26	278
25. Sarasota Sarasota	$3,261	$480,000	$2,126	$2,248	936	+3.1%	44	2,772

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 2026-11-07; deemed reliable but not guaranteed.

The top 10, in detail

1. Deerfield Beach, Broward County

Median asking price $219,900 across 773 current listings, 8% of active-plus-pending under contract, median 72 days on market; the county's Zillow index moved -1.6% over the past year. Owning the median costs about $1,603 a month, 36% of the local median household income of $53,254; typical rent is $2,565. Prices compounded +4.3% a year over five years; the county grew +3.6% in population over five years. Broward County property tax

2. Daytona Beach, Volusia County

Median asking price $259,900 across 971 current listings, 8% of active-plus-pending under contract, median 97 days on market; the county's Zillow index moved -0.3% over the past year. Owning the median costs about $1,895 a month, 37% of the local median household income of $61,266; typical rent is $1,615. Prices compounded +2.9% a year over five years; the county grew +9.9% 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 $262,500 across 1,647 current listings, 8% of active-plus-pending under contract, median 51 days on market. Owning the median costs about $1,900 a month, 29% of the local median household income of $78,163; typical rent is $2,700. Prices compounded -6.1% a year over five years; the county grew +6.1% in population over five years. moving guide · cost of living · best neighborhoods · market data · Palm Beach County property tax

4. Fort Pierce, St. Lucie County

Median asking price $299,000 across 936 current listings, 9% of active-plus-pending under contract, median 65 days on market; the county's Zillow index moved -4.5% over the past year. Owning the median costs about $2,210 a month, 42% of the local median household income of $63,122; typical rent is $2,100. Prices compounded -2.7% a year over five years. moving guide · cost of living · best neighborhoods · market data · St. Lucie County property tax

5. Crystal River, Citrus County

Median asking price $328,400 across 178 current listings, 10% of active-plus-pending under contract, median 87 days on market; the county's Zillow index moved -0.8% over the past year. Owning the median costs about $2,244 a month, 49% of the local median household income of $55,395; typical rent is $1,838. Prices compounded +3.0% a year over five years; the county grew +13.5% in population over five years. Citrus County property tax

6. Boynton Beach, Palm Beach County

Median asking price $316,250 across 1,464 current listings, 9% of active-plus-pending under contract, median 54 days on market. Owning the median costs about $2,275 a month, 36% of the local median household income of $75,789; typical rent is $2,459. Prices compounded +3.9% a year over five years; the county grew +6.1% in population over five years. moving guide · cost of living · best neighborhoods · market data · Palm Beach County property tax

7. Clearwater, Pinellas County

Recorded median sale $320,000 (-2.3% year over year), 2,252 sales in 12 months, 5.9 months of supply (buyer's market), median 45 days to contract. Owning the median costs about $2,330 a month, 42% of the local median household income of $67,256; typical rent is $1,984. Prices compounded +7.8% a year over five years; the county grew +0.6% in population over five years. moving guide · cost of living · best neighborhoods · market data · Pinellas County property tax

8. Englewood, Charlotte County

Recorded median sale $330,000 (+1.5% year over year), 1,304 sales in 12 months, 4.3 months of supply (balanced market), median 66 days to contract. Owning the median costs about $2,375 a month, 37% of the local median household income of $76,016; typical rent is $1,924. Prices compounded +1.5% a year over five years; the county grew +11.5% in population over five years. moving guide · market data · Charlotte County property tax

9. Hallandale Beach, Broward County

Median asking price $331,950 across 732 current listings, 5% of active-plus-pending under contract, median 73 days on market; the county's Zillow index moved -1.6% over the past year. Owning the median costs about $2,395 a month, 55% of the local median household income of $52,079; typical rent is $2,455. Prices compounded +4.3% a year over five years; the county grew +3.6% in population over five years. Broward County property tax

10. Pensacola, Escambia County

Recorded median sale $330,500 (+4.3% year over year), 1,192 sales in 12 months, 10.8 months of supply (buyer's market), median 52 days to contract. Owning the median costs about $2,398 a month, 40% of the local median household income of $71,411; typical rent is $1,730. Prices compounded +5.9% a year over five years; the county grew +4.6% in population over five years. moving guide · cost of living · best neighborhoods · market data · Escambia County property tax

Questions people ask

What is the cheapest beach town in Florida?

Deerfield Beach at about $1,603 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 2026-11-07 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.