These Are The Most Affordable FL Towns To Retire In 2025

Retirement in Florida can be relaxing and adventure-filled, while also being cost-effective, according to travel outlet WorldAtlas.

Hailing themselves as "The Original Online Geography Resource," the digital publication recently released its picks for the 10 most affordable towns to retire in Florida for 2025.

"In 2024, the National Institute on Retirement Security found that more than 50% of Americans are worried they won’t be financially secure in retirement, making Florida’s tax rates impossible to ignore," WorldAtlas wrote. "With no personal income tax, inheritance tax or pension tax, it is unsurprising that so many seniors see Florida as a retirement utopia. Coupled with its beautiful beaches, southern hospitality and culture-packed downtowns, the Sunshine State is a paradise for retirees.

These are the 10 most affordable Florida towns to settle down in after retirement:

Inverness

WorldAtlas writes: "In terms of leisure and day-to-day fun, affordability extends to Inverness’ budget-friendly activities. The town’s setting along Tsala Apopka Lake and Henderson Lake is a prominent part of this, offering free access to beautiful waterfront spaces like Wallace Brooks Park and Liberty Park."

In September 2025, homes in Inverness were listed at a median of $263,000, lower than both the U.S. and Florida medians. Access to healthcare is another one of its greatest perks, with facilities like the HCA Florida Citrus Hospital located right in town.

Sebring

WorldAtlas writes: "The Sebring Downtown Historic District boasts its own unique shape. Centered around a roundabout, the district earns Sebring the nickname of 'City on the Circle,' lined with 1920s architecture and a range of attractions to explore on foot."

Like Inverness, homes here are listed below the national and state medians in September, at $266,000, according to Zillow. Additionally, around 30 percent of the town’s 11,000 locals are 65 and older, making it a great place to meet like-minded seniors.

Fort Pierce

WorldAtlas writes: "With savings this great, Fort Pierce’s sights and scenes can be enjoyed without the stress of finances at the back of your mind. At Fort Pierce Inlet State Park, relaxation comes in the form of swimming, picnicking, bird watching and fishing along a gorgeous half-mile stretch of beach. Bordering the Fort Pierce Inlet, Jetty Park also offers a scenic beach, paired with the Fort Pierce Jetty fishing pier and Island Beach Bar and Restaurant."

In September 2025, homes in Fort Pierce listed well below the national and state medians, at $309,000. By comparison, homes in neighboring towns like Jupiter saw median list prices around $743,000 in September.

Punta Gorda

WorldAtlas writes: "Unsurprisingly, 54 percent of the town’s population is 65 and older, proving seniors just can’t get enough of Punta Gorda. The Harborwalk is one of its top attractions, boasting 2.5 miles of spellbinding scenes. Free to use, the shoreline trail is the perfect way to stay in shape, and it also leads to Punta Gorda’s renowned Fishermen’s Village."

In August and September 2025, the town’s homes sold and listed at medians of $340,000 and $382,000, lower than both the national and state medians.

Fort Walton Beach

WorldAtlas writes: "John Beasley Park is the town’s prized shore, showcasing the coast’s signature sugar sands and emerald waters. Punctuated with boardwalk access and mellow waves, the beach looks and feels like walking through a postcard. Nearby, the Okaloosa Island Pier is a laid-back place for fishing, sunset viewing and dolphin spotting, stretching 1,262 feet into the Gulf."

Homes in Fort Walton Beach sold and listed below the U.S. and Florida medians at less than $400,000. By comparison, neighboring Destin saw median selling and listing prices each well over $500,000.

Bartow

WorldAtlas writes: "Although some mistake its quiet atmosphere for boring, there is truly nothing dull about life in Bartow. While it may lack the glitz and glam of the coast, Bartow’s relaxed pace and tranquil attractions are just what some seniors crave in their retirement."

Despite recent growth, Bartow’s small-town feel and affordability persist in 2025. In August and September, homes here sold and listed at medians below $325,000.

Leesburg

WorldAtlas writes: "Out of Lake County’s 1,000+ lakes, Leesburg locals have access to some of the prettiest, including the magical Harris Chain of Lakes. Whether casting off on a Lake Harris Boat Rental or strolling the fairytale Venetian Gardens, these stunning waters can be enjoyed year-round."

With its tranquil lakefronts and affordable housing, it is easy to see why so many seniors want to call Leesburg home. In September, homes here sold around $300,000, leaving less room for financial stress and more time for lake life.

Sebastian

WorldAtlas writes: "Described as 'a true beach lover's paradise,' the barrier island park boasts some of Florida’s most unspoiled and unobstructed shores, paired with Atlantic-facing jetties for fishing and wildlife viewing. Back on the mainland, Sebastian’s town parks and waterfront restaurants also spotlight the beautiful Indian River. "

With homes here selling at a median of $342,000 in August 2025, housing in Sebastian costs less than the national and state rates.

Milton

WorldAtlas writes: "As a designated trail town, retirees can also stay active on Milton paths like the paved, 8.1-mile Blackwater Heritage State Trail. Alternatively, Milton’s Clyde L. Gracey Community Center hosts tons of senior-friendly fitness and wellness activities, including yoga, pickleball, line dancing and tai chi. For social-based activities, they also host bingo, bunco, karaoke and art classes."

Without the coastal price hikes, life in Milton remains more affordable. In September 2025, Zillow reported that homes here sold and listed at $276,000 and $318,000.

Brooksville

WorldAtlas writes: "Brooksville is equally loved for its Old Florida feel, with its downtown area successfully blending old and new. The 19th-century storefronts and landmarks like the May-Stringer House add a romantic nostalgia for days gone by, while Main Street restaurants like The Bistro specialize in contemporary cuisine."

In August 2025, its homes sold at a median of $306,000, leaving plenty of room to save.