The most affordable cities to buy a house in Florida (2026)

Every Florida city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including Florida property tax and insurance. Data through 2026-09.

  1. Lauderdale Lakes — typical home $137K, income to buy about $42,000/yr
  2. Holly Hill — typical home $199K, income to buy about $61,000/yr
  3. Avon Park — typical home $206K, income to buy about $63,000/yr
  4. Palatka — typical home $209K, income to buy about $64,000/yr
  5. Lauderhill — typical home $212K, income to buy about $65,000/yr
  6. Ojus — typical home $216K, income to buy about $66,000/yr
  7. Holiday — typical home $218K, income to buy about $67,000/yr
  8. Sebring — typical home $237K, income to buy about $72,000/yr
  9. Lake Wales — typical home $240K, income to buy about $73,000/yr
  10. South Daytona — typical home $248K, income to buy about $76,000/yr
  11. Daytona Beach — typical home $251K, income to buy about $77,000/yr
  12. Callaway — typical home $260K, income to buy about $79,000/yr
  13. Lake City — typical home $261K, income to buy about $80,000/yr
  14. Highland City — typical home $262K, income to buy about $80,000/yr
  15. North Fort Myers — typical home $262K, income to buy about $80,000/yr
  16. Ocala — typical home $264K, income to buy about $81,000/yr
  17. Pensacola — typical home $265K, income to buy about $81,000/yr
  18. Port Charlotte — typical home $268K, income to buy about $82,000/yr
  19. Palm Springs — typical home $269K, income to buy about $82,000/yr
  20. Sun City Center — typical home $269K, income to buy about $82,000/yr
  21. Titusville — typical home $272K, income to buy about $83,000/yr
  22. Deerfield Beach — typical home $272K, income to buy about $83,000/yr
  23. Winter Haven — typical home $272K, income to buy about $83,000/yr
  24. Pine Hills — typical home $272K, income to buy about $83,000/yr
  25. Leesburg — typical home $274K, income to buy about $84,000/yr

At the other end, Florida's priciest markets: Pinecrest ($684,000/yr), Key Biscayne ($527,000/yr), Coral Gables ($480,000/yr), Key Largo ($334,000/yr), Parkland ($326,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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