Are you dreaming of living by the beach in Florida, but worried about the high cost of living? Don't worry, there are still plenty of affordable options available. In fact, we've compiled a list of the top cheapest beach towns in Florida, so you can find your perfect spot without breaking the bank. From pristine beaches to charming boardwalks, these towns offer all the perks of coastal living without the hefty price tag. So, get ready to pack your bags, grab your sunscreen, and discover your new home in Florida's most affordable beach towns.

Most Affordable Beach Towns in Florida

  1. Mexico Beach
  2. Port St. Joe
  3. Carrabelle
  4. Cedar Key
  5. Steinhatchee
  6. Flagler Beach
  7. New Smyrna Beach
  8. Jensen Beach

Mexico Beach

Located on the Gulf of Mexico, Mexico Beach is known for its pristine white sandy beaches, crystal clear waters, and fantastic fishing opportunities. This charming coastal community offers a median housing cost of $905 per month. Mexico Beach is also home to popular events like the Mexico Beach Gumbo Cook-Off and the Annual Mexico Beach Art & Wine Festival. Additionally, visitors can explore the nearby St. Joseph Peninsula State Park or take a boat tour of the area's stunning sea caves.

Port St. Joe

Nestled on St. Joseph Bay, Port St. Joe is a historic town that offers a laid-back lifestyle with plenty of outdoor recreation options. This town offers a median housing cost of $978 per month. Port St. Joe is home to the St. Joseph Peninsula State Park, one of Florida's most beautiful state parks, as well as the Port St. Joe Marina, where you can rent boats and kayaks to explore the bay.

Carrabelle

If you're looking for a quiet and affordable beach town, Carrabelle might be just the place for you. This town offers a median housing cost of $787 per month. Carrabelle is known for its small-town charm, fishing opportunities, and proximity to the St. George Island State Park. Visitors can also explore the Carrabelle History Museum or take a scenic drive along the Big Bend Scenic Byway.

Cedar Key

Located on Florida's Gulf Coast, Cedar Key is a historic fishing village that offers affordable beachside living. This town offers a median housing cost of $882 per month. Cedar Key is known for its natural beauty, local art galleries, and seafood restaurants. Visitors can explore the Cedar Key Museum State Park or take a boat tour of the nearby Cedar Keys National Wildlife Refuge.

Steinhatchee

Tucked away on Florida's Big Bend, Steinhatchee is a quiet fishing village that offers affordable living in a serene setting. This town offers a median housing cost of $992 per month. Steinhatchee is known for its world-class fishing, nearby state parks, and unique local festivals, including the Steinhatchee Fiddler Crab Festival and the Steinhatchee River Chamber of Commerce Fiddler Crab Race.

Flagler Beach

Located in the heart of Florida's east coast, Flagler Beach is a vibrant beach town that offers affordable living with easy access to bigger cities like Daytona Beach and St. Augustine. This town offers a median housing cost of $1,100 per month. Flagler Beach is known for its quaint downtown, local surf culture, and stunning beaches. Visitors can also explore the Flagler Beach Historical Museum or take a scenic drive along the A1A Scenic and Historic Coastal Byway.

New Smyrna Beach

With its laid-back vibe and beautiful beaches, New Smyrna Beach is a popular destination for tourists and locals alike. This town offers a median housing cost of $1,105 per month. New Smyrna Beach is known for its historic downtown, unique local shops, and top-rated surf spots. Visitors can also explore the New Smyrna Museum of History or take a scenic drive along the Indian River Lagoon Scenic Highway.

Jensen Beach

Located on Florida's Treasure Coast, Jensen Beach is a charming beach town that offers affordable living in a tropical setting. This town offers a median housing cost of $1,166 per month. Jensen Beach is known for its quaint downtown, local seafood restaurants, and nearby state parks. Visitors can also explore the Elliott Museum or take a boat tour of the Indian River Lagoon.

Ponte Vedra Beach

Ponte Vedra Beach, Florida, is a stunning coastal community located in St. Johns County. Ponte Vedra Beach, FL, USA can be found at the geographical coordinates of 30° 14' 24.0180'' N latitude and 81° 23' 6.9432'' W longitude. 
Known for its pristine beaches, luxurious resorts, and vibrant golfing scene, Ponte Vedra Beach offers a perfect blend of natural beauty and upscale living. With its picturesque Atlantic coastline, residents and visitors alike can indulge in sun-soaked days by the shore, enjoying swimming, surfing, and leisurely walks along the sandy beaches. The area is also renowned for its world-class golf courses, including the prestigious TPC Sawgrass, home to the iconic Stadium Course and the renowned Players Championship. Beyond its recreational offerings, Ponte Vedra Beach boasts a thriving cultural scene, with art galleries, upscale shopping, and a diverse range of dining options. This charming coastal town is an idyllic destination for those seeking a harmonious balance between relaxation, outdoor recreation, and refined coastal living.