According to the Zillow Home Value Index, Florida’s most affordable towns offer a striking contrast to the state’s well-known luxury markets, with home values often less than a third of the state’s average. You’ll find these budget-friendly communities predominantly in Florida’s northern regions, particularly in the Panhandle area, where many towns have maintained relatively low housing costs despite the state’s overall real estate boom.
Examining the data reveals a fascinating trend: even Florida’s most affordable communities have seen remarkable appreciation over the past five years, with an average growth of 53.93% since 2020. This growth rate significantly outpaces inflation and demonstrates that investing in Florida’s more affordable markets could have yielded substantial returns. The town with the highest five-year growth rate is Chattahoochee at 76.77%, while Coleman showed the most modest growth at 28.78%.
What’s particularly interesting about these affordable Florida towns is the geographic clustering – many are located in rural areas away from major tourist destinations and coastlines. While Miami-Dade, Broward, and Palm Beach counties dominate headlines with million-dollar listings, these 25 communities offer average home values under $175,000, providing viable alternatives for those seeking affordable Florida living without sacrificing the state’s tax benefits and climate advantages.
25. Grand Ridge
- 2025 Value: $174,646
- 2020 Value: $121,423
- 2015 Value: $84,884
- 2010 Value: $95,483
- % Change from 2020 to 2025: 43.83%
- % Change from 2015 to 2025: 105.75%
- % Change from 2010 to 2025: 82.91%
Located in Jackson County in Florida’s Panhandle region, Grand Ridge has seen your home values more than double over the past decade. Starting from a base of $95,483 in 2010, prices dipped during the housing market recovery before climbing to $84,884 in 2015. By 2020, values had surged to $121,423, representing the beginning of a strong growth period that continues today. The most recent five-year period shows a robust 43.83% increase, bringing 2025 values to $174,646, making Grand Ridge the most expensive town on this budget-friendly list.
24. Coleman
- 2025 Value: $172,963
- 2020 Value: $134,307
- 2015 Value: N/A
- 2010 Value: N/A
- % Change from 2020 to 2025: 28.78%
- % Change from 2015 to 2025: N/A
- % Change from 2010 to 2025: N/A
Nestled in Sumter County near the famous retirement community of The Villages, Coleman offers you a more affordable alternative to its expensive neighbor. While historical data before 2020 isn’t available for this small community, you can see that Coleman has experienced the most modest growth among all towns on this list, with just 28.78% appreciation from 2020 to 2025. Starting from a relatively higher base value of $134,307 in 2020, property values have climbed to $172,963 by 2025, positioning Coleman as one of the more expensive options among Florida’s most affordable communities.
23. Century
- 2025 Value: $172,439
- 2020 Value: $116,787
- 2015 Value: $71,446
- 2010 Value: $80,589
- % Change from 2020 to 2025: 47.65%
- % Change from 2015 to 2025: 141.36%
- % Change from 2010 to 2025: 113.97%
Situated in Escambia County at the very western edge of Florida’s Panhandle near the Alabama border, Century has seen your property values more than double since 2010. From a starting point of $80,589 in 2010, values actually declined to $71,446 by 2015 during the slower recovery years. The town then experienced substantial growth, reaching $116,787 by 2020 and continuing upward to $172,439 in 2025. This represents a 47.65% increase over the last five years and an impressive 141.36% growth over the past decade, making Century one of the stronger long-term performers on this list despite remaining affordable.
22. Bascom
- 2025 Value: $170,559
- 2020 Value: $111,463
- 2015 Value: $79,603
- 2010 Value: $89,676
- % Change from 2020 to 2025: 53.02%
- % Change from 2015 to 2025: 114.26%
- % Change from 2010 to 2025: 90.19%
Tucked away in Jackson County near the Florida-Georgia-Alabama tri-state area, Bascom offers you small-town living at affordable prices. Your home values in this rural community have shown consistent appreciation over the years, starting at $89,676 in 2010, then experiencing a post-recession dip to $79,603 by 2015. The market began recovering strongly after that, reaching $111,463 in 2020 and continuing upward to $170,559 by 2025. This represents a solid 53.02% five-year growth rate and 114.26% ten-year growth, demonstrating that even remote communities in Florida have participated in the state’s real estate boom.
21. Perry
- 2025 Value: $170,238
- 2020 Value: $114,534
- 2015 Value: $84,534
- 2010 Value: $84,347
- % Change from 2020 to 2025: 48.64%
- % Change from 2015 to 2025: 101.39%
- % Change from 2010 to 2025: 101.83%
Located in Taylor County along Florida’s Big Bend coastline, Perry presents you with a coastal-adjacent community at surprisingly affordable prices. Your property values in Perry remained remarkably stable from 2010 to 2015, hovering around $84,000 during the housing recovery. The market began gaining momentum after 2015, with values climbing to $114,534 by 2020 and then accelerating further to reach $170,238 by 2025. This perfect doubling of home values over a 15-year period (101.83% growth) demonstrates Perry’s steady appreciation despite remaining one of Florida’s more affordable options.
20. Quincy
- 2025 Value: $170,219
- 2020 Value: $100,664
- 2015 Value: $72,449
- 2010 Value: $84,918
- % Change from 2020 to 2025: 69.10%
- % Change from 2015 to 2025: 134.95%
- % Change from 2010 to 2025: 100.45%
Positioned in Gadsden County just west of Tallahassee, Quincy gives you access to the state capital region without the higher prices. Your home values in Quincy followed an interesting pattern, starting at $84,918 in 2010, then declining to $72,449 by 2015 as the area recovered from the housing crisis. Beginning in 2015, the market surged upward, reaching $100,664 by 2020 and then experiencing one of the stronger five-year growth rates on our list at 69.10%, bringing 2025 values to $170,219. This represents a doubling of values since 2010 and demonstrates Quincy’s increasing desirability as a Tallahassee-adjacent community.
19. Chiefland
- 2025 Value: $168,219
- 2020 Value: $112,350
- 2015 Value: $61,974
- 2010 Value: $63,659
- % Change from 2020 to 2025: 49.73%
- % Change from 2015 to 2025: 171.43%
- % Change from 2010 to 2025: 164.25%
Situated in Levy County in north-central Florida, Chiefland offers you rural living with proximity to both Gulf Coast beaches and Gainesville. Your property in Chiefland would have seen remarkable growth over the past 15 years, starting from a very affordable $63,659 in 2010. Values actually declined slightly to $61,974 by 2015 before beginning a dramatic upward trajectory. By 2020, prices had reached $112,350, and by 2025, they had increased to $168,219. This impressive 171.43% growth over ten years and 164.25% over fifteen years makes Chiefland one of the strongest performers on our list in terms of long-term appreciation while still remaining affordable.
18. Interlachen
- 2025 Value: $166,513
- 2020 Value: $101,722
- 2015 Value: $60,217
- 2010 Value: $64,932
- % Change from 2020 to 2025: 63.69%
- % Change from 2015 to 2025: 176.52%
- % Change from 2010 to 2025: 156.44%
Nestled in Putnam County in northeast Florida, Interlachen gives you affordable lakeside living options. Your home values in this community started at $64,932 in 2010, then declined to $60,217 by 2015 during the slow housing recovery period. The market began accelerating after 2015, reaching $101,722 by 2020 and continuing strong growth with a 63.69% increase over the next five years to reach $166,513 by 2025. This remarkable 176.52% ten-year growth rate is among the highest on our list, demonstrating Interlachen’s increasing appeal despite remaining one of Florida’s more affordable communities.
17. Graceville
- 2025 Value: $165,852
- 2020 Value: $107,510
- 2015 Value: $79,255
- 2010 Value: $85,467
- % Change from 2020 to 2025: 54.27%
- % Change from 2015 to 2025: 109.26%
- % Change from 2010 to 2025: 94.05%
Located in Jackson County in the Florida Panhandle near the Alabama border, Graceville provides you with small-town charm at budget-friendly prices. Your property values have shown steady appreciation over the past 15 years, starting at $85,467 in 2010, then declining during the housing recovery to $79,255 by 2015. The market began strengthening after that, with values reaching $107,510 by 2020 and growing by 54.27% over the next five years to $165,852 in 2025. This represents a solid 94.05% growth over the 15-year period, slightly less dramatic than some other towns on the list but still a strong performer while maintaining affordability.
16. Greenwood
- 2025 Value: $162,502
- 2020 Value: $103,579
- 2015 Value: $70,325
- 2010 Value: $76,758
- % Change from 2020 to 2025: 56.89%
- % Change from 2015 to 2025: 131.07%
- % Change from 2010 to 2025: 111.71%
Situated in Jackson County in the Florida Panhandle, Greenwood offers you rural living at prices well below the state average. Your home values in this small community started at $76,758 in 2010, then declined to $70,325 by 2015 during the slower recovery years. The market then gained significant momentum, reaching $103,579 by 2020 and continuing strong growth with a 56.89% increase over the next five years to $162,502 by 2025. This 131.07% ten-year growth rate demonstrates Greenwood’s steady appreciation despite its continued affordability compared to much of Florida.
15. Hosford
- 2025 Value: $158,248
- 2020 Value: $104,678
- 2015 Value: N/A
- 2010 Value: N/A
- % Change from 2020 to 2025: 51.18%
- % Change from 2015 to 2025: N/A
- % Change from 2010 to 2025: N/A
Tucked away in Liberty County in Florida’s Panhandle region, Hosford offers you a quiet, rural lifestyle at prices well below the state average. While historical data before 2020 isn’t available for this small community, you can see that Hosford has experienced solid growth over the five-year period from 2020 to 2025. Starting from a value of $104,678 in 2020, property prices have increased by 51.18% to reach $158,248 by 2025. This growth rate is very close to the average for towns on this list, demonstrating Hosford’s participation in Florida’s broader real estate appreciation trends while remaining affordable.
14. Bonifay
- 2025 Value: $156,874
- 2020 Value: $109,515
- 2015 Value: $79,133
- 2010 Value: $85,889
- % Change from 2020 to 2025: 43.24%
- % Change from 2015 to 2025: 98.24%
- % Change from 2010 to 2025: 82.65%
Located in Holmes County in the Florida Panhandle, Bonifay provides you with small-town living at accessible prices. Your home values in this community have shown steady appreciation over the years, starting at $85,889 in 2010, then declining to $79,133 by 2015 during the housing recovery. The market strengthened considerably after that, with values climbing to $109,515 by 2020 and continuing upward to $156,874 by 2025. This represents a 43.24% five-year growth rate and a near-doubling of values over the past decade with 98.24% ten-year growth, demonstrating Bonifay’s consistent appreciation while maintaining its status as one of Florida’s more affordable towns.
13. Lauderdale Lakes
- 2025 Value: $150,579
- 2020 Value: $97,394
- 2015 Value: $64,309
- 2010 Value: $63,930
- % Change from 2020 to 2025: 54.61%
- % Change from 2015 to 2025: 134.15%
- % Change from 2010 to 2025: 135.54%
Situated in Broward County in South Florida, Lauderdale Lakes stands out as one of the few affordable options in the expensive Miami metropolitan area. Your property values in this community have more than doubled since 2010, starting from a low base of $63,930 that remained relatively stable through 2015 at $64,309. The market began gaining significant momentum after that, with values reaching $97,394 by 2020 and then climbing by 54.61% over the next five years to $150,579 by 2025. This 135.54% growth over 15 years represents one of the stronger long-term performances on our list, while still offering a rare affordable option in South Florida.
12. Paxton
- 2025 Value: $149,331
- 2020 Value: $107,930
- 2015 Value: N/A
- 2010 Value: N/A
- % Change from 2020 to 2025: 38.36%
- % Change from 2015 to 2025: N/A
- % Change from 2010 to 2025: N/A
Nestled in Walton County in the western Florida Panhandle near the Alabama border, Paxton gives you small-town living with easy access to larger communities like Fort Walton Beach. While historical data before 2020 isn’t available for this small town, you can see that Paxton has experienced moderate growth over the five-year period from 2020 to 2025. Starting from a value of $107,930 in 2020, property prices have increased by 38.36% to reach $149,331 by 2025.
11. Sneads
- 2025 Value: $149,132
- 2020 Value: $98,465
- 2015 Value: $71,338
- 2010 Value: $80,683
- % Change from 2020 to 2025: 51.46%
- % Change from 2015 to 2025: 109.05%
- % Change from 2010 to 2025: 84.84%
Located in Jackson County in the Florida Panhandle near the Georgia border, Sneads offers you riverside living along the Apalachicola River at budget-friendly prices. Your home values in this community have shown steady appreciation over the years, starting at $80,683 in 2010, then declining to $71,338 by 2015 during the housing recovery. The market began strengthening after that, with values reaching $98,465 by 2020 and growing by 51.46% over the next five years to $149,132 in 2025. This represents a solid 109.05% ten-year growth rate, demonstrating Sneads’ consistent appreciation while maintaining affordability.
10. Fountain
- 2025 Value: $147,961
- 2020 Value: $102,560
- 2015 Value: $63,739
- 2010 Value: $64,004
- % Change from 2020 to 2025: 44.27%
- % Change from 2015 to 2025: 132.14%
- % Change from 2010 to 2025: 131.18%
Situated in Bay County in the Florida Panhandle, Fountain provides you affordable living with proximity to Panama City and the Gulf Coast beaches. Your property values have more than doubled over the 15-year period, starting from a very affordable $64,004 in 2010 and remaining relatively stable through 2015 at $63,739. The market began accelerating after that, with values climbing to $102,560 by 2020 and continuing upward by 44.27% over the next five years to reach $147,961 by 2025. This impressive 132.14% ten-year growth demonstrates Fountain’s strong performance while still remaining one of Florida’s more budget-friendly communities.
9. Fort Mc Coy
- 2025 Value: $144,846
- 2020 Value: $86,961
- 2015 Value: $58,703
- 2010 Value: $70,438
- % Change from 2020 to 2025: 66.57%
- % Change from 2015 to 2025: 146.74%
- % Change from 2010 to 2025: 105.64%
Nestled in Marion County in north-central Florida, Fort Mc Coy gives you rural living with reasonable proximity to Ocala. Your home values in this community have seen dramatic fluctuations, starting at $70,438 in 2010, then declining significantly to $58,703 by 2015. The market began a strong recovery after that, with values rising to $86,961 by 2020 and then surging by an impressive 66.57% over the next five years to reach $144,846 by 2025. This rapid recent growth has resulted in a 146.74% ten-year appreciation rate, one of the highest on our list, while Fort Mc Coy still remains among Florida’s more affordable communities.
8. Blountstown
- 2025 Value: $144,498
- 2020 Value: $95,936
- 2015 Value: $74,050
- 2010 Value: $76,946
- % Change from 2020 to 2025: 50.62%
- % Change from 2015 to 2025: 95.14%
- % Change from 2010 to 2025: 87.79%
Positioned in Calhoun County in the Florida Panhandle along the Apalachicola River, Blountstown offers you small-town riverside living at accessible prices. Your property values have shown steady appreciation over the years, starting at $76,946 in 2010, then declining slightly to $74,050 by 2015. The market gained momentum after that, with values reaching $95,936 by 2020 and growing by 50.62% over the next five years to $144,498 in 2025. This represents nearly a doubling of values over the 15-year period with 87.79% growth, demonstrating Blountstown’s consistent appreciation while maintaining its status as one of Florida’s more affordable towns.
7. Cross City
- 2025 Value: $135,404
- 2020 Value: $80,059
- 2015 Value: $63,279
- 2010 Value: $48,204
- % Change from 2020 to 2025: 69.13%
- % Change from 2015 to 2025: 113.98%
- % Change from 2010 to 2025: 180.89%
Located in Dixie County in Florida’s Big Bend region, Cross City presents you with affordable living within reasonable distance of the Gulf Coast. Your home values in this community have experienced the second-highest long-term growth on our list, starting from a very low base of $48,204 in 2010 and gradually increasing to $63,279 by 2015. The market began accelerating after that, with values reaching $80,059 by 2020 and then surging by an impressive 69.13% over the next five years to $135,404 by 2025. This remarkable 180.89% growth over the 15-year period demonstrates Cross City’s dramatic transformation while still remaining one of Florida’s more budget-friendly options.
6. Malone
- 2025 Value: $129,637
- 2020 Value: $84,088
- 2015 Value: $61,754
- 2010 Value: $72,217
- % Change from 2020 to 2025: 54.17%
- % Change from 2015 to 2025: 109.92%
- % Change from 2010 to 2025: 79.51%
Situated in Jackson County in the Florida Panhandle near the Alabama border, Malone gives you small-town living at prices well below the state average. Your property in this community would have seen substantial appreciation over the years, starting at $72,217 in 2010, then declining during the housing recovery to $61,754 by 2015. The market began strengthening considerably after that, with values climbing to $84,088 by 2020 and continuing upward to $129,637 by 2025. This represents a 54.17% five-year growth rate and a 109.92% ten-year growth, demonstrating Malone’s strong performance while remaining one of Florida’s more affordable towns.
5. Cottondale
- 2025 Value: $128,989
- 2020 Value: $81,251
- 2015 Value: $56,620
- 2010 Value: $60,028
- % Change from 2020 to 2025: 58.75%
- % Change from 2015 to 2025: 127.82%
- % Change from 2010 to 2025: 114.88%
Nestled in Jackson County in the Florida Panhandle, Cottondale offers you rural living at some of the state’s most affordable prices. Your home values in this community have more than doubled since 2010, starting from a low base of $60,028 and declining further to $56,620 by 2015. The market began gaining significant momentum after that, with values reaching $81,251 by 2020 and growing by a substantial 58.75% over the next five years to $128,989 in 2025. This impressive 127.82% ten-year growth rate demonstrates Cottondale’s strong recovery and growth while maintaining its position as one of Florida’s most budget-friendly communities.
4. Campbellton
- 2025 Value: $123,537
- 2020 Value: $85,470
- 2015 Value: $65,443
- 2010 Value: $72,062
- % Change from 2020 to 2025: 44.54%
- % Change from 2015 to 2025: 88.77%
- % Change from 2010 to 2025: 71.43%
Located in Jackson County in the Florida Panhandle near the Alabama border, Campbellton provides you with small-town living at very affordable prices. Your property values have shown steady appreciation over the years, starting at $72,062 in 2010, then declining during the housing recovery to $65,443 by 2015. The market began strengthening after that, with values reaching $85,470 by 2020 and growing by 44.54% over the next five years to $123,537 in 2025. This represents an 88.77% ten-year growth rate, somewhat more modest than some other towns on this list but still demonstrating consistent appreciation while maintaining Campbellton’s status as one of Florida’s most affordable communities.
3. Chattahoochee
- 2025 Value: $116,929
- 2020 Value: $66,149
- 2015 Value: $53,423
- 2010 Value: $62,893
- % Change from 2020 to 2025: 76.77%
- % Change from 2015 to 2025: 118.87%
- % Change from 2010 to 2025: 85.92%
Positioned in Gadsden County in the Florida Panhandle near the Georgia border, Chattahoochee gives you affordable living with proximity to Tallahassee. Your home values in this community have experienced the highest five-year growth rate on our list, starting from $62,893 in 2010, then declining to $53,423 by 2015. The market began a dramatic recovery after that, with values reaching $66,149 by 2020 and then surging by an impressive 76.77% over the next five years to $116,929 by 2025. This remarkable recent growth has contributed to a 118.87% ten-year appreciation rate, making Chattahoochee one of the stronger performers while remaining among Florida’s three most affordable towns.
2. Century Village
- 2025 Value: $101,995
- 2020 Value: $58,247
- 2015 Value: $30,510
- 2010 Value: $31,311
- % Change from 2020 to 2025: 75.11%
- % Change from 2015 to 2025: 234.30%
- % Change from 2010 to 2025: 225.75%
Located in the Miami-Fort Lauderdale metropolitan area, Century Village stands as a remarkable anomaly – an extremely affordable community in one of Florida’s most expensive regions. Your property values in this retirement community have experienced the highest long-term growth on our list by far, starting from an incredibly low base of $31,311 in 2010 and declining slightly to $30,510 by 2015. The market began a dramatic transformation after that, with values nearly doubling to $58,247 by 2020 and then surging by another 75.11% over the next five years to reach $101,995 by 2025. This extraordinary 234.30% ten-year growth rate and 225.75% fifteen-year growth rate demonstrate Century Village’s dramatic appreciation while still remaining the second most affordable community on our list.
1. Gretna
- 2025 Value: $88,117
- 2020 Value: $57,298
- 2015 Value: N/A
- 2010 Value: N/A
- % Change from 2020 to 2025: 53.79%
- % Change from 2015 to 2025: N/A
- % Change from 2010 to 2025: N/A
Situated in Gadsden County just west of Tallahassee, Gretna rounds out our list as Florida’s most affordable town based on 2025 home values. While historical data before 2020 isn’t available for this small community, you can see that Gretna has experienced solid growth over the five-year period from 2020 to 2025. Starting from the lowest base value on our list at just $57,298 in 2020, property prices have increased by 53.79% to reach $88,117 by 2025.
