Most affordable cities for home buyers in Florida.
Affordability = how many years of household income buys the median home. This ranks Florida cities by price-to-income ratio (lower = more affordable).
Last updated
Florida ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Price-to-income ratio | Score | |
|---|---|---|---|---|
| 1 | Key Biscayne | 3.3x income | 79 | View → |
| 2 | Palm Beach | 3.4x income | 76 | View → |
| 3 | Ponte Vedra Beach | 4.3x income | 62 | View → |
| 4 | Windermere | 4.4x income | 60 | View → |
| 5 | Odessa | 4.4x income | 60 | View → |
| 6 | Marco Island | 4.4x income | 60 | View → |
| 7 | Saint Johns | 4.7x income | 56 | View → |
| 8 | Lithia | 4.7x income | 55 | View → |
| 9 | Miami Beach | 4.8x income | 53 | View → |
| 10 | Clearwater Beach | 4.8x income | 53 | View → |
| 11 | Pembroke Pines | 5.0x income | 50 | View → |
| 12 | Key Largo | 5.0x income | 50 | View → |
| 13 | Jupiter | 5.1x income | 49 | View → |
| 14 | Apollo Beach | 5.0x income | 49 | View → |
| 15 | Indialantic | 5.0x income | 49 | View → |
| 16 | Palm Beach Gardens | 5.1x income | 48 | View → |
| 17 | Gulf Breeze | 5.1x income | 48 | View → |
| 18 | Maitland | 5.1x income | 48 | View → |
| 19 | Bonita Springs | 5.2x income | 47 | View → |
| 20 | Oldsmar | 5.2x income | 47 | View → |
| 21 | North Palm Beach | 5.2x income | 47 | View → |
| 22 | Edgewater | 5.2x income | 46 | View → |
| 23 | Mount Dora | 5.3x income | 46 | View → |
| 24 | Atlantic Beach | 5.2x income | 46 | View → |
| 25 | Mulberry | 5.2x income | 46 | View → |
| 26 | Jensen Beach | 5.2x income | 46 | View → |
| 27 | Panama City Beach | 5.2x income | 46 | View → |
| 28 | Ruskin | 5.2x income | 46 | View → |
| 29 | Perry | 5.2x income | 46 | View → |
| 30 | Estero | 5.2x income | 46 | View → |
| 31 | Hobe Sound | 5.2x income | 46 | View → |
| 32 | Marianna | 5.2x income | 46 | View → |
| 33 | Sun City Center | 5.3x income | 46 | View → |
| 34 | Debary | 5.2x income | 46 | View → |
| 35 | Tavares | 5.3x income | 46 | View → |
| 36 | Clewiston | 5.3x income | 46 | View → |
| 37 | Lynn Haven | 5.3x income | 46 | View → |
| 38 | Labelle | 5.2x income | 46 | View → |
| 39 | Parrish | 5.2x income | 46 | View → |
| 40 | Wildwood | 5.3x income | 46 | View → |
| 41 | Crystal River | 5.3x income | 46 | View → |
| 42 | Safety Harbor | 5.2x income | 46 | View → |
| 43 | Belleview | 5.3x income | 46 | View → |
| 44 | Nokomis | 5.2x income | 46 | View → |
| 45 | Destin | 5.2x income | 46 | View → |
| 46 | Beverly Hills | 5.2x income | 46 | View → |
| 47 | Yulee | 5.2x income | 46 | View → |
| 48 | Dania | 5.2x income | 46 | View → |
| 49 | Dover | 5.3x income | 46 | View → |
| 50 | Hernando | 5.2x income | 46 | View → |
Methodology
Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.
FAQ
- What's a healthy ratio in Florida?
- Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
- Does this account for interest rates?
- No, price-to-income is rate-agnostic so it stays comparable across cycles.
- What if my income is higher?
- Your personal ratio matters more than the market median. Use it as a relative comparison.
Other reports for Florida
Best Cities for Owner Financing
Cheapest Rent-to-Own Markets
Cities With Most FSBO Activity
Investor Competition by Market
Estimated Owner-Finance Down Payment by City
Cities With Most Cash Buyers
Foreclosure Risk by City
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