15 Florida Cities Where You Can Buy a Home Under $250,000. Discover your dream home in sunny Florida, for an affordable price.
You could buy a home in Florida for under 250,000 smile you might also like September housing market update
Find Your Florida Home Under $250,000 in 15 Cities
Outperforming the notoriety for owning Excellent beaches, cities and also a warm areas, Florida provides some remunerative housing prospects. Well-situated property acquisitions cover various prospects whether searching for a retirement refuge, relocation venture or investment destination. But with the prices in hot cities such as Miami and Orlando, it can feel like a feat to find affordable housing. Fortunately for us, there still exist cities all over the state where houses can be purchased for less than $250,000. Not only do these cities present a cheaper alternative but they provide the chance to be closer to Florida’s natural beauty, the opportunity for endless recreational activities and job growth.
In this post, we will look at 18 Florida cities to purchase a home for less than $250,000 dollars! These cities offer multiple affordable housing options — from starter homes for young families, quiet retiree locations or homes to invest in. So, take a look at the most affordable places in the Sunshine State to buy — a home.
15 Florida Cities Where You Can Buy a Home Under $250,000
1. Ocala — The Horse Capital of the World
Known globally as the “Horse Capital of the World,” Ocala combines rural tranquillity with urban conveniences. Ocala is recognized for its grazing lands for horses and has a lower cost of living than the major cities in Florida.
Why Buy Here?
- Homes in your price range: You could find single-family homes below $250,000 with no trouble in this city.
- Natural Beauty: It is close to the Ocala National Forest.
- Expanding employment opportunities: In health care, agriculture and tourism.
Housing Options
Around Ocala you can see cute little homes but also ranch-styled houses as well as more recently built houses — all of this is here for that price range.
2. Deltona – The Best Kept Secret Of Central Florida
Nestled between Orlando and Daytona Beach you will find Deltona, a growing community providing affordable house without the cost of its more famous neighbors.
Why Buy Here?
- Near beaches and Orlando theme parks.
- Demand zones: Priced and suited for families looking to settle or first time buyers.
- Cheaper living costs than where are closest to
Housing Options
Homes in the appealing central Florida city of Deltona, ranging from charming mid-century houses to new suburbs perfect for families, can all be found for under $250,000.
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3. Palm Bay – Space Coast Charm
Situated along Florida’s Space Coast, Palm Bay is minutes away from beaches and nature preserves, all while appealing to tech-based economy residents.
Why Buy Here?
- Access to great schools and parks.
- Closeness to Kennedy Space Center and other Space Coast attractions.
- New development in the affordable housing space
Housing Options
With budget-friendly homes in newer neighborhoods and planned communities, Palm Bay continues to be an ideal location for first-time buyers with rents on the rise.
4. Kissimmee – Near the Magic
Kissimmee is a hop skip away from international Orlando and Walt Disney World Resort but has more affordable real estate than both.
Why Buy Here?
- Short distance from Disney and other attractions.
- Diverse types of housing such as the gated communities and tourist residences.
- Positive rental market providing good investment opportunity.
Housing Options
For those seeking a new pad for themselves or as an investment, below is your budget buys which include single-family homes and townhouses, plus more modestly priced condos.
5. Cocoa — The beaches access point
Cocoa: Cocoa is a place on the Space Coast and also has plenty of beautiful beaches, this can be found to the north of Cape Canaveral. Cocoa also contains historic Cocoa Village, which lies south of the actual downtown. It has a much slower pace of life than the nearby cities of Melbourne or Cocoa Beach.
Why Buy Here?
- Beautiful outdoor coast and park destinations.
- A walkable historic downtown.
- Housing prices less expensive than most of coastal Florida.
Housing Options
Look for gorgeous old homes and also new builds in Cocoa, where prices are plentiful under $250000.
6. Coastal Life on the Cheap — Port St. Lucie
Fort St. Lucie showcases small-town coastal living! Located on the Treasure Coast, it is a developing community offering good schools, plenty of parks and reasonably priced homes.
Why Buy Here?
- Close access to gorgeous ocean beaches & St. Lucie River.
- Price points that prior to the pandemic remained palatable compared to neighbor, Palm Beach County.
- Great employment opportunities in fields such as health and education.
Housing Options
Port st lucie homes for sale under $250000 From newer construction to the cute older homes, there are plenty of properties in Port St. Lucie under 250000 more here
7. Spring Hill – A Small Peaceful Suburb
Spring Hill, north of Tampa, is a low-cost alternative to the hustle and bustle of the Tampa Bay area while still close enough to enjoy all that the greater metro has to offer.
Why Buy Here?
- Low-key, suburban lifestyle with parks and recreation everywhere.
- value-priced houses with decent backyards.
- A short distance to the job market and entertainment of Tampa.
Housing Options
This unincorporated Tennessee location has everything from single-family homes to townhouses, making it a fantastic choice for families, retirees and others who want quiet and affordable living.
8. Lehigh Acres – An Emerging Community
Lehigh Acres is a popular area in Southwest Florida for new homes and plenty of things to do here.
Why Buy Here?
- Providing infra and community growth expending
- Accessibility to the job market in Fort Myers
- Growth potential: inexpensive housing
Housing Options
Lehigh Acres has single-family new-construction homes ideal for first-time homebuyers or buyers seeking additional space at a lower price point.
9. Serenity on the Space Coast — Titusville
Hoody StudiosIf you’re looking for an affordable coastal lifestyle on the Space Coast, Titusville is your place. Space Coast, famous for the Kennedy Space Center nearby and good fishing and outdoor activities.
Why Buy Here?
- Perks of the area include close proximity to the stunning Indian River Lagoon.
- A chilled lifestyle with nature and outdoor recreation.
- Reasonably priced home that will add value as the area grows.
Housing Options
Homes in Titusville range from historic cottages to brand new developments — all less than $250,000.
10. Jacksonville – The Biggest City In Florida
Boasting the biggest land area of all of Florida’s cities, there are plenty of inexpensive neighborhoods to call home in Jacksonville. With its lively culture, work opportunities, and close distance to shores – buyers can consider it a wise decision.
Why Buy Here?
- Cheaper property than Miami and other larger cities in Florida.
- We have some of the best beaches to offer this state has to —
- Increasing technology and healthcare sectors.
Housing Options
Jacksonville has affordable properties under $250,000—from historic homes to new builds in suburbs.
11. Gainesville — Where The University Of Florida Calls Home
Gainesville is a college town with plenty of culture, good schools, and jobs from the University of Florida.
Why Buy Here?
- A youthful, active feel and nature access (hiking trails and parks.)
- Investor-friendly rental market
- You can find cheaper housing here than most college places.
Housing Options
Gainesville ranges from your classic 1950s homes to new townhouses, so you’ll be able to find affordable homes and condos that fit into your budget.
12. Fort Pierce: Waterfront charm with a legacy
It boasts a mix of low-cost living and a quaint historic district, all near beautiful beaches and waterways.
Why Buy Here?
- An active arts scene and historical downtown.
- Affordable, smaller city coastal living compared to bigger cities in Florida.
- A good fishing, boating and outdoor recreation opportunity.
Housing Options
Here it will be older homes in historic districts and newer homes on outskirts for under-250–000.
13. Dunedin – Lots of Small Town Charm
Dunedin Dunedin, not far from Clearwater is a cute little town with a great arts scene, parks and beaches.
Why Buy Here?
- A downtown with shops, cafes and art galleries that can be walked to.
- Near beaches, nature parks and Tampa Bay
- Housing price-wise, cheaper than Clearwater and St. Petersburg
Housing Options
Homes in Dunedin, with its historic cottages and newer developments, all priced under $250,000.
14. Sebring: Unless It Is Cheap, And Pretty
Sebring has scenic roundabout that earned its name as “City on the Circle” and it has affordable housing, too, in small-town vibe with nature attractions nearby.
Why Buy Here?
- This includes inexpensive living expenses and affordable housing.
- Life at a slower speed, lakes and parks right outside your doorstep for the outdoor recreation.
- Retirees or those looking for a serene escape, great options
Housing Options
With the relatively low price of single-family homes and cottages in Sebring, particularly in older established neighborhoods, we could find folklore on urban housing patterns constantly changing.
15. Wauchula – Country Living Near All the Action
If you are looking for something a little country, Central Florida has Wauchula that is slower than most but still packed with character and inexpensive places to call home.
Why Buy Here?
- Rural lifestyle, but close to larger cities such as Tampa and Orlando.
- Great picturesque locations including lakes, farms.
Investing in Florida’s Real Estate Market
Owning a home in Florida not only gives you an affordable place to live in the great sunshine state, but does give you some level of investment. With Florida’s population still on the rise — a major lure for homebuyers — real estate remains one of the smarter long-term investments in much of the state.
All 18 of these cities are affordable, but their value is more about lifestyle or growth so whether you are a first time home buyer who wants to settle down, an experienced homebuyer looking for a retirement destination in which to grow old gracefully, or simply an investor buying rental homes each will be suitable. Second benefit — the state has no income tax at all, another factor making Florida a magnet for residents and investors.
Tips for Finding Affordable Homes in Florida
As property values have climbed in certain areas of Florida, here are some tips to make your way through the housing market in these inexpensive places:
- Find a Local Realtor — Make sure that your realtor is familiar with Florida’s market experience and can help you get the best deals and neighborhoods.
- Look at Older Houses: New builds are all nice and stuff, but you can get a lot more character (and space) for the same price with an older house.
- Property Taxes: Florida may not have a state income tax, but property taxes can differ substantially from city to city affecting cost of living.
- Check for First-Time Homebuyer Programs: There are a variety of assistance programs available in Florida that can help lower the price to pay — particularly applicable to first-time buyers.
- Look for Value: Select an area with property that will hold its value. You have to think ahead depending on whether you consider ever selling or renting/boarding it in the future.
Why Now is a Good Time to Buy a Home in Florida
People are still flocking to Florida for its warm weather, high job growth, and low taxes. With work-from-home not ending anytime soon, more people — and families in general — can call anywhere home, with many going the Florida route as affordability meets lifestyle. These 18 cities let you become part of an upscale area at low prices — by Florida standards — up to $250,000 or so. Not even close to the astronomical cost of a condo in Miami or Orlando.
If you want to buy a home in Florida but have to stick with your budget, then consider these cities that provide the best price and livable facilities as well as the way of life. From lively towns to sleepy beach towns and family-friendly suburbs, Florida has a place for everyone. Start touring these affordable possibilities today so that owning a home in Florida can go from aspiration to reality.
This handy guide provides all the information you need to decide if it is the right thing for you before becoming a homeowner. Between full municipalities and tranquil nature, purchasing a home in Florida is one of the best investments you will make anywhere in the country.
