8 Florida Cities Where You Can Still Buy a Home for Under $350,000

Housing remains expensive in the U.S. The national median home value was $447,054 in June, and Florida's median home value was $410,400. And, while these figures can be intimidating, you can still find homes in the Sunshine State for less than the national average.

Besides enjoying the good life in Florida's friendly communities, relocating to this state gives you further benefits that help build wealth. They include no income tax and a lower cost of living in some areas.

If you want to enjoy a comfortable lifestyle in Florida, here are 10 cities you should keep an eye on.

Editor's note: All median home prices are sourced from Redfin. 

Montura may be the best choice for those looking for a family-friendly place. It's small, quiet, and more affordable than Tampa or Orlando. To make things better, there are plenty of free activities you can enjoy, especially if you like the great outdoors.

Montura has trails you can hike at in Big Cypress National Preserve. And, if you love fishing, you can head to Lake Okeechobee and catch your dinner. Given its median home price of $280,000, you don't want to miss out on Montura.

Lakeland is a perfect spot to buy a home if you're on a budget and want long-term savings. The city has the perfect combination of cultural attractions and outdoor activities. More importantly, its overall cost of living is almost 6% cheaper than the national average.

To make things better, the median value of a home in Lakeland is $315,000, which is the perfect deal if your budget is under $350,000.

Edgewater is another city where you can enjoy the gorgeous Florida weather and natural beauty on the cheap. Its monthly cost of living is 1% less expensive than the national average, and $335,000 can land you a home in this community.

Edgewater is also home to high-quality health care facilities, which makes it ideal for retirees looking to spend their golden years in Florida.

Orange Park is perfect if you enjoy a smaller-town vibe yet don't want to sacrifice shopping and dining choices. This Clay County city is also conveniently located near Jacksonville and St. Augustine, making it a popular retirement destination for many seniors.

This beautiful city is perfect for your budget, too. Median home prices in Orange Park are $292,000 as of June 2025.

Moore Haven is ideal for families who love the great outdoors. Its proximity to Lake Okeechobee means you won't have to go far to enjoy boating, fishing, or swimming. Besides, you'll be spoiled for choice when it comes to fresh produce and dining venues.

Median home values in the city are well under your $350,000 budget at $110,000.

If you enjoy the vibe of a college town, Gainesville, the home of the University of Florida, is the best choice for you. Median home values in Gainesville are $289,950, and the cost of living is significantly cheaper than the national average.

This city has a lot going for it apart from being affordable. It has a vibrant nightlife and lots of opportunities for outdoor pursuits at places like the Paynes Prairie Preserve.

Pensacola draws in families and retirees alike as the cheapest place to own a home in Florida by the beach. Its beautiful weather, beaches, and nature also make it a magnet for tourists.

The median home cost in Pensacola is $283,000. Besides, if you move there, you'll be able to enjoy significantly cheaper grocery prices than elsewhere in the U.S.

Hudson is another good spot in Florida for a budget of $350,000 or less. The median listing home price is $302,500 in this beachfront community.

Hudson is a magnet for families and retirees alike. It offers a variety of outdoor pursuits, including festivals such as the yearly Flora & Fauna celebration, as well as walkable areas and parks.

Florida is one of the best places to live in the U.S. if you enjoy warm weather and being close to the water. While some list prices in the Sunshine State can be eye-watering, you can still find an affordable home.

If your budget is $350,000 or less, it will only take a few smart homeowner moves to prepare yourself so that you're able to own a home in one of the charming Florida towns on this list.