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10 Florida Cities Where Buying a Home Under $300,000 Is Still Possible

No income tax and affordable house prices is an unbeatable combo.

By Heather Bien

Edited by Esther Carlstone

Updated Jan. 6, 2026

Florida has long been considered a desirable destination by snowbirds looking for warmer temperatures, abundant sunshine, and a laid-back lifestyle. But it's also a place many homeowners flock to, hoping to find a deal on a home.

Whether you're looking for a budget-friendly beach buy or a golf community without the exclusive price tag, the Sunshine State has it.

If you're ready to make a smart homeowner move and find an affordable place in Florida where you can relax in the sun without worrying about a sky-high mortgage, here are 15 cities where you can buy a home for under $300,000.

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Pensacola

Median home price: $259,839

Known for its white beaches and sparkling waters, Pensacola is a destination for tourists and homeowners alike. Located on Florida's panhandle, it's home to history, outdoor adventure, and the beloved Blue Angels. You'll find festivals, culture, and, of course, great seafood.

The median home price is just over $259,000, according to Zillow.

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Palm Bay

Median home price: $300,387

Located on the Atlantic Coast of Florida, Palm Bay is known for its access to outdoor adventure, including kayaking, fishing, and boating on the Intracoastal Waterway and Indian River Lagoon. There are also state parks for those who prefer to stick to the land. And you're not far from Orlando if Disney is more your speed.

The median home price has risen in recent years, but it's still hovering right at about $300,000.

Gainesville

Median home price: $291,411

College towns are often vibrant places to live, and Gainesville is no exception. It's home to the state's flagship university, the University of Florida, and that means access to great health care and cultural offerings.

Yet, unlike some college towns, Gainesville has remained affordable. You can purchase a house for just over $290,000 here.

Daytona Beach

Median home price: $244,610

If you're a big racing fan, you know Daytona Beach for the Daytona International Speedway. The city may be known for its motorsports, but there's so much more. You'll also find white sand beaches, great seafood, and a bustling art scene.

Plus, you can't beat a median home price that comes in under $245,000.

Panama City

Median home price: $278,371

For Florida transplants who love the urban side of the state, Panama City is an ideal destination. It has several historic neighborhoods, walkable districts, and a growing art scene. This is where you go if you want to experience a vibrant, social culture.

Fortunately, you won't pay a premium for this sought-after city. The median home price is just over $275,000.

Jacksonville

Median home price: $280,096

You might not associate Florida with urban parks, but Jacksonville is rich in these green spaces. The city boasts over 400 city parks and seven state parks. And you'll have plenty of days to enjoy them in the over 270 days of sunshine they get per year.

With homes starting around $280,000, relocating here feels far more attainable than in many comparable destinations.

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Lake City

Median home price: $257,986

Lake City is also known as Florida's "Springland" thanks to its freshwater springs, and it's a destination for those looking to dive and explore nature. Wes Skiles Peacock Springs State Park is a favorite spot for outdoor enthusiasts, but if arts and culture is more your speed, you can check out the Stephen Foster Folk Culture Center State Park or the Florida Folk Festival.

The best part? You won't have to expand your budget to live in this thriving community where the median home price is just over $257,000.

Bartow

Median home price: $272,485

Bartow is a destination for those looking for a true Southern experience. It's the "City of Oaks and Azaleas," and it's known for antiquing, Victorian homes, and a downtown with cafes and restaurants.

The median home price is just over $270,000, making it an affordable place to put down roots.

Deltona

Median home price: $293,571

If you want access to the activity of Daytona Beach, but are craving a more laid-back rural feel, Deltona should be on your radar. This city on Lake Monroe is quieter and smaller, but it offers proximity to larger Florida regions.

With home prices under $300,000, the area remains accessible for both retirees and families.

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Ocala

Median home price: $267,900

Florida is a hub for horse people, and Ocala is known as the "Horse Capital of the World." From equestrian centers to beautiful horse farms, it's a destination for horse lovers and those looking for smaller city living.

Homes priced below $270,000 add to Ocala's appeal for buyers seeking a more manageable cost of living.

Bottom line

Another reason for Florida's affordable reputation is the lack of income tax. As you're planning for retirement, looking at states that offer advantageous tax situations becomes even more important.

Florida's tax benefits mean retirees keep more money in their pockets. Social Security isn't taxed, and neither is income from retirement vehicles like your pension, IRA, or 401(K).

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