Cheapest Beach Towns to Live in Florida 2022

Cheapest Beach Towns to Live in Florida 2022

In this article, we will be discussing the top cheapest beach towns to live in Florida. Even with low financial status, you can still afford your dream home on a beach in Florida.


Let’s give a comprehensive list of the cheapest beach towns to live in Florida. Florida is one of the few states in the U.S with the best weather, coupled with the fact that the state is basically made up of little beach towns.

Florida’s tropical weather and laid-back lifestyle make it one of the most attractive states in the country. World Atlas lists it among the most-visited states in the U.S., but why just visit when you could live there? Most people who dream of calling the Sunshine State home want to live on the beach, but prices can be a significant barrier.

While some of the state’s prime real estate is expensive, living in these affordable Florida beach towns is probably cheaper than you realize.


Cheapest Beach Towns to Live in Florida 2022


Below are the cheapest beach towns to live in Florida 2022 and the County in which these beaches are located;

Hobe Sound, Martin County


This is one of the cheapest beach towns to live in Florida and the first on our list. Hobe Sound is one of Florida’s more beautiful beach towns and also one of its most affordable. The median household income is $44,743, which is lower than the state average of $59,227. However, the much lower rents help offset this.
Local properties put you close to Hobe Sound Public Beach, a picturesque patrolled beach with separate areas for boogie boards, fishing, and dogs. This unincorporated part of Martin County is also home to several other natural wonders such as the Blowing Rocks Preserve, Hobe Sound National Wildlife Refuge, and Hobe Sound Nature Center.

Practice your swing at one of three golf clubs within Hobe Sound’s borders.
Despite all its top amenities, Hobe Sound is still incredibly affordable. The monthly median rent for a studio apartment is $745, while a one-bedroom place should set you back at around $938 per month.


Fort Walton Beach, Okaloosa County


The median household income for locals in Fort Walton Beach is $50,666, with most residents working in tourism or the military. Fort Walton Beach is a tourist town, so there’s always plenty to do.

The sandy beach is one of this town’s main attractions. You’ll also find art venues and tourist spots such as Heritage Park & Cultural Center, Emerald Coast Science Center downtown, and top stores and restaurants uptown.

With monthly median rents costing $850 for a studio and $900 for a one-bedroom place, Fort Walton Beach is another one of the most affordable Florida beach towns attracting sun-seekers.


Palm Bay, Brevard County


One of the most affordable beach towns in Florida, Palm Bay is a friendly suburban community by the coast. The median yearly household income is $47,640, but you could stand to make more if you secure one of the area’s many science and tech jobs.

Although it’s the most populous city in Brevard County, Palm Bay is nowhere near as busy as Florida’s buzzing metropolises. However, its large population puts big city conveniences close to homes, such as a recently expanded highway system, well-rated public schools, and top recreational facilities.

When you’re not spending time on the sand, hike the trails, go biking or boating, or enjoy a picnic in one of the local parks.
Palm Bay is a family-friendly town, but its multi-room rentals are still relatively affordable.

The median monthly rent for two-bedroom apartments sits at $1,175, while three-bedroom places cost around $1,600. If you can make do with a smaller space, you can really save. The monthly median for studios is $725, while one-bedroom apartments cost around $950.


Indian Harbour Beach, Brevard County


Another one of the cheapest beach towns to live in Florida, just a 30-minute drive away, you’ll find another one of the most affordable beach communities in Florida, Indian Harbour Beach. Median household incomes sit at $62,518, well above the state average.

Indian Harbour Beach is the perfect place for relaxing, with miles of pristine sand, a friendly dog park, and beachside cafes. All the big-city conveniences of Melbourne are a little more than 10 minutes away.

Despite all its advantages, this coastal small town boasts low accommodation prices, with the median monthly rent for a one-bedroom apartment at just $1,000.  Of you are looking to make your residence in a beach town this could be the one for you, especially given that it is a very affordable community to live in.

You don’t need to be financially buoyant, to live here and enjoy the wonderful view and whether a beach has to offer.


Lynn Haven, Bay County


Lynn Haven is another Florida town offering reasonable property prices and above-average incomes. Opportunities in the city’s health care, transportation, and manufacturing industries give households a median income of $62,535, substantially more than the average in Florida.

Leslie Porter Park has a small beach area, boat ramp, two playgrounds, and grills for outdoor cookouts. If you don’t feel like making your own meal, visit during Food Truck Fridays. The larger beaches of Panama City are also less than 15 minutes away.

Aside from the beach, Lynn Haven has plenty of other recreational opportunities. There are several dog parks, sporting fields, and great bars and restaurants. New additions, including the Lynn Haven Bayou Park and Preserve, James E. Rogers Park, and Oyster Bayou Waypoint Park, should make Lynn Haven even more appealing.

The monthly median rent for one-bedroom apartments in Lynn Haven is $1,145, while two-bedroom places are only a little more at around $1,150. That’s only slightly more than the national average.


Fernandina Beach, Nassau County


Median household incomes stand at $59,234 in Fernandina Beach, which is above the state average. That helps make this community one of the most affordable coastal towns in Florida, especially when you consider its secluded location on beautiful Amelia Island.

The 13-mile beach is one of the state’s best, with wooden boardwalks, three adjacent parks, and calm, clear water. Just don’t disturb the sea turtles who often come onto the beach to lay their eggs from May to October.

When the weather cools, enjoy Fernandina Beach’s golf courses, upscale retail options, and top restaurants. This beach town also has a jam-packed social calendar with events such as the Isle of Eight Flags Shrimp Festival, Taste of Amelia food festival, and Juneteenth Jump-off bringing locals and visitors together.

Rentals in Fernandina Beach are at the upper end of this list, with median monthly rent costing $1,095 for a one-bedroom apartment. However, the above-average incomes help offset accommodation costs.




To wrap this up, living in a beach town can be really fun especially in a nice city like Florida which is basically full of beach towns. That is why we took our time in this article to give you a list of the top cheapest beach towns to live in Florida, with this even with a not so high financial status you can still afford to live in a beach town.



Co-op Townhomes

Cheap Places to Live in Orlando

Cheapest Place to Rent in Florida

Cheapest Place to Rent in Florida

Cheapest Place to Buy a House on the Beach

Leave a Comment

Your email address will not be published.