Affordable Beach Towns in Florida

The tropical climate and idyllic beaches of Florida beckon and make one dream of vacationing or dwelling there, but many tourist towns can be pretty expensive. 

Fortunately, there are quite a lot of affordable beach towns in Florida where you can reside or vacation and bask in the warm sunshine on the sandy beaches inexpensively.

So, what is the most affordable beach town in Florida?

Find out the answer here if you wish to revel in the beauty of the Sunshine State on a budget. Here’s our list of the 16 most affordable beach towns in Florida.

New Smyrna Beach

New Smyrna Beach in florida

Consider visiting the New Smyrna Beach or NSB if you are looking for quiet and less-crowded affordable beach towns in Florida. It is conveniently located not far from the well-known party beach, Daytona, and other attractive tourist places in Florida.  

This Sunshine State’s pedestrian-friendly coastal town is an ideal place to vacation where you can explore by foot, from surf stores to memorable dining experiences and all on a budget. 

Also, NSB has a fascinating area downtown that frequently organizes wine tasting fests not far from the scenic beach. Plus, if you love nature, you can go for a stroll in the paths to look for tortoises or watch native birds in this coastal town. 

So, choose NSB and get the perfect holiday experience inexpensively if you’re looking for the cheapest beach in Florida.

Clearwater Beach

Clearwater Beach florida

Clearwater beach is also one of the cheapest beach towns in Florida, where you can partake in various affordable activities. 

You can find many shops and eateries around the white sandy beach, so you’ll effortlessly discover places to buy accessories or eat delicious foods at a more reasonable rate. 

Clearwater Beach is an excellent place if you like collecting seashells or watching sea creatures. Best yet, it is a handicap-accessible beach where everybody can appreciate its relaxed vibes and serene waters. 

Pensacola Beach

Affordable Pensacola Beach

If you’re wondering what the most affordable beach town in Florida is, Pensacola also features on our list. Florida Panhandle has the perfect beaches for families to relax and enjoy a picnic while the kids surf or play in the sand. 

With its white silica sands, the idyllic Pensacola Beach gives that powder feeling when you walk on it. The large beach area offers many opportunities, including sunbathing, surfing, and other leisure activities. 

The boardwalk at Pensacola Beach provides everything you need to have a pleasant beach experience without shedding much dough. Here, you will get fun places to shop, eat and be amused.

Regardless, if you desire a peaceful beach adventure, consider visiting the close-by barrier island, Perdido Key. 

Cocoa Beach

Cocoa Beach in Florida

Cocoa Beach offers low-cost lodgings and condos and free beach entertainment, making it one of the cheapest beach towns in Florida to have a rewarding holiday experience on the East Coast. 

The town is known as the place of Astronauts and is well-known for producing the World Champion Surfer, Kelly Slater.  

Cocoa Beach has cocoa-like sand and covers a large beach area. It also has a vast harbor where you can take a stroll or fish during the daytime. The wave’s movement makes it a perfect place to go surfing. 

Most tourists crowd Cocoa Beach when there is a rocket launch as the space center is so close that you feel the earth rumble when it embarks into space.  

Anna Maria Island

Anna Maria Island

Anna Maria Island is a peaceful barrier island located on the Gulf Coast west of Bradenton.  

Anna Marie Island is a quiet barrier island on the Gulf Coast west of Bradenton. The place is known for its striking quiet beaches where you can appreciate the warmth of the waters, no strong current and look for beautiful seashells. 

Anna Maria Island comprises three small communities: Anna Maria, Bradenton Beach, and Holmes Beach. 

There are many boutiques and cheap places to dine in this coastal town. Another good thing is that a free wheelbarrow plies up and down to carry your luggage, thus saving you money and trouble hiring a taxi. 

So, consider Anna Maria Island if you decide on visiting Florida’s cheapest coastal towns on your next trip.

Fort Walton Beach

Fort Walton Beach

Altogether, Fort Walton is one of Florida’s cheapest coastal towns to stay in and enjoy your vacation.

Situated on the Emerald Coast, Fort Walton is also known for its stunning white-sand beaches and relaxing, calm and warm waters. It has one of the cheapest beaches in Florida.

This coastal beach town offers an abundance of exciting activities to do and see. The houses in the area are painted in pastel shades to give that authentic look.

The main tourist attraction is the sandy beach. You can also visit several art places and spots, including Heritage Park and Cultural Center, Emerald Coast Science Center downtown, and leading stores and cafes uptown. 

Also, Fort Walton has many inexpensive places to take your kids for an outing. One of them is the Gulfarium Marine Adventure Park. In this amusing and educational theme park, you can see everything from alligators to penguins.

With its cheap house rent costing only $1,635 for a one-bedroom, Fort Walton Beach remains one of Florida’s most affordable beach towns.

Big Pine Key

Big Pine Key

Big Pine Key is another quiet and inexpensive beach town in Florida situated about 48 kilometers north of Key West. A trip to this town is highly recommended for families looking to vacation on a budget. 

If you adore marine creatures, visit the Bahia Honda State Park, known as one of the finest beaches to go snorkeling in Florida, and look at the different kinds of marine animals in shallow, calm waters.  

While there, enjoy the reasonably priced fresh and delicious seafood in the area. If you like to be in the midst of nature, you can visit the safeguarded area and observe those endangered birds nestled in the area. 

Big Pine Key is your choice if you wish to get away from the busy and overpriced towns and go for the cheapest beach towns in Florida that offer a tranquil and relaxing beach experience.  

St George Island

St George Island

Another ideal town to have a quiet, enjoyable, and affordable beach vacation in Florida is St. George Island, a border island located off of the Florida Panhandle. 

This coastal town has quiet and heavenly beaches renowned for their powdery sand and untainted beauty, making it suitable to relax and plan fun outdoor activities. 

Additionally, you can have an enjoyable day at the St. George Island State Park and the clear and warm waters in the Gulf waters are perfect for cooling down. 

You can also find places to eat excellent yet cheap and reasonably priced seafood on the island.  

Regardless, if you want more fun and amusement, you will have to drive to the mainland. 


Sebastian is known for providing inexpensive homes and an abundance of natural beauty.

Situated on the Treasure Coast, Sebastian is a quiet and affordable beach town famous among retired people in Florida.

This affordable coastal town has a relaxed and laid-back environment away from the noisy, lively and overpriced cities. It is also ideal for outdoor fans for its untainted beauty and stunning natural sceneries.  

Apart from going to the lovely beaches, you can also go fishing in Sebastian Inlet or visit the Indian River Lagoon. While in Sebastian, explore the Pelican Island, America’s first National Wildlife Refuge. 

Best yet, Sebastian has a selection of housings to choose from if you are looking for an inexpensive beach home in Florida.

Palm Bay

Palm Bay is situated on the Space Coast and one of Florida’s cheapest coastal towns known for its small-town aura and outdoor activities. 

It is a quiet beach town that offers outdoor sports and recreation, including kayaking, biking, walking, boating, and picnic. Apart from these fun activities, you can also bask in the sunshine on the sandy beaches for a more enjoyable experience.  

Most tourists visit Palm Bay as they are drawn to its natural surroundings and the untouched beauty of its beach. 

If you wish to dwell in this budget-friendly beach town, you can choose from various available buildings at an affordable rate.

Hobe Sound, Martin County

Hobe Sound is also on our list of the cheapest beach towns in Florida, apart from picturesque nature areas and pristine beaches. The scenic Hobe Sound Public Beach has different areas for fishing, boogie boards, dog parks etc. 

In addition, you can also visit the Blowing Rocks Preserve, Hobe Sound Nature Center, and Hobe Sound National Wildlife Refuge. 

The monthly accommodation price in Hobe Sound is $845, and the property tax payment is $1,815 annually.

Thus, Hobe Sound is affordable despite its many facilities, and you can have a pleasant stay throughout.

Fernandina Beach

Fernandina Beach is another beautiful and quiet beach town worth considering on your next trip. It is an ideal option for vacation as it has the best and the cheapest beach in Florida that gives a fulfilling beach adventure to all tourists visiting the town. 

Situated in a secluded spot on Amelia Island, Fernandina Beach has a thirteen-mile beach with calm and pristine waters, wooden boardwalks and three neighboring parks.

You can observe those sea turtles that lay eggs on the beach from May till October if you’re a wildlife enthusiast.

Additionally, you can play golf in one of the golf courses in Fernandina Beach or feast on reasonably priced foods in many of the restaurants there. 

The town also comes alive with social events like the Isle of Eight Flags Shrimp Festival, Juneteenth Jump-off, and the Taste of Amelia food fest that brings locals and tourists together. 

The house rents are inexpensive and start at $1,250 for a one-bedroom apartment, considering what the place offers. 

Lynn Haven, Bay County

Lynn Haven is a haven for tourists visiting the beach town as it offers an enjoyable experience without spending a lot of money. Apart from the lovely small beach that offers a relaxing vibe, this coastal town also provides endless fun and recreational activities. 

You’ll find several friendly dog parks, sports fields, bars and cafes that would make your stay delightful. 

Housing rents are reasonably priced and cost-efficient, thus making it one of the cheapest beach towns in Florida.


Titusville is located on the Space Coast, and is also one of the cheapest beach towns in Florida. Here, you will see an expansive coastline and explore an abundance of wildlife.

This beach town gives that small-town vibe that will make your stay or visit worth the while. The 24 miles of the natural coastline on Playalinda Beach with its warm, clear waters will relax and calm your mind. 

Additionally, if you are a lover of wildlife, there are plenty of wildlife areas that you would undoubtedly love observing. 

You can easily find a one-bedroom apartment under $200,000 in Titusville, which is relatively inexpensive.


Marathon is another budget-friendly beach town that has the cheapest beach in Florida. 

This beach town has thirteen small barrier islands and provides plenty of cheap and free beach activities, including snorkeling and kayaking at Sombrero Beach. In addition, you can go on a long bike ride along the Old Seven Mile Bridge.

You can also explore the mangroves, look at the unique Key deer found only in the Keys or explore the Dolphin Research Center or the Museum of Natural History.

Indian Harbour Beach

Also on our list is Indian Harbour Beach as one of the most affordable beach towns in Florida that offers a quiet and relaxing vacation. This inexpensive beach town is an ideal place to relax and unwind, where you can glimpse miles of pristine sand, beachside cafes, and a friendly dog park. 

Overall, you can enjoy your vacation in this coastal town with low and reduced lodging prices that cost around $1,000 for a one-bedroom apartment.   

Summing up

So, what are you waiting for? Go ahead and make the most out of your life by living close to the beach in Florida. With many affordable beach towns in Florida available, you can now plan your next trip and immerse yourself in the beauty of nature and those mesmerizing sandy beaches that will never cease to amaze you.

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