Florida’s housing market may be sizzling, but not every town is burning a hole in your wallet. According to the Zillow Home Value Index, 15 towns across the state are holding the line on affordability, offering home prices well below the Florida average—even in 2025. These aren’t flashy coastal metros or luxury playgrounds. They’re slower-paced, often overlooked places where you can still buy a home without maxing out your budget. Whether you’re a first-time buyer, downsizer, or just priced out elsewhere, these towns prove that Florida still has room for smart, affordable moves.
15. Greenwood – 132% Home Price Increase Since 2011
- 2010: $75,177
- 2011: $69,285
- 2012: $68,380
- 2013: $70,381
- 2014: $71,488
- 2015: $69,738
- 2016: $78,072
- 2017: $83,214
- 2018: $87,066
- 2019: $94,876
- 2020: N/A
- 2021: $121,631
- 2022: $140,057
- 2023: $143,446
- 2024: $154,489
- 2025: $161,077
Greenwood – Small-Town Growth With Rural Charm
Greenwood, a quiet community in Florida’s rural Panhandle, has seen its home values more than double since 2011. Though still affordable, median prices reached $161,077 in 2025, reflecting steady gains driven by increased interest in low-density areas. Much of the appreciation has occurred since 2020, a pattern that’s common across small towns drawing attention from remote workers and budget-conscious buyers.
Positioned in Jackson County, Greenwood offers a slow pace of life surrounded by farmland and forest. It’s close to Marianna, which provides essential amenities and services. For buyers who want space, quiet, and value, Greenwood remains one of the most attractively priced locations in Florida.
14. Lauderdale Lakes – 183% Home Price Increase Since 2012
- 2010: $67,535
- 2011: $58,278
- 2012: $55,863
- 2013: $60,470
- 2014: $65,344
- 2015: $68,861
- 2016: $71,262
- 2017: $77,800
- 2018: $87,473
- 2019: $94,995
- 2020: N/A
- 2021: $111,562
- 2022: $135,354
- 2023: $163,278
- 2024: $170,357
- 2025: $158,048
Lauderdale Lakes – Urban Proximity at Lower Prices
Lauderdale Lakes sits in Broward County near Fort Lauderdale and offers some of South Florida’s lowest home prices. Despite its location in one of the state’s most expensive regions, the median home value is just $158,048 in 2025. That’s after an intense growth period peaking in 2023, followed by a price dip over the last two years.
The city is home to a dense mix of residences, parks, and retail, and appeals to first-time buyers and retirees alike. It’s one of the last strongholds of affordability near the coast — especially for those who want to be close to the action without breaking the bank.
13. Bonifay – 97% Home Price Increase Since 2012
- 2010: $86,417
- 2011: $80,539
- 2012: $80,289
- 2013: $74,673
- 2014: $81,008
- 2015: $80,372
- 2016: $87,432
- 2017: $91,394
- 2018: $91,700
- 2019: $96,088
- 2020: N/A
- 2021: $124,801
- 2022: $149,292
- 2023: $154,346
- 2024: $157,142
- 2025: $157,846
Bonifay – Northwest Florida’s Affordable Anchor
Bonifay, in Holmes County near the Alabama border, has experienced slow but steady price growth since the early 2010s. Prices dipped briefly after 2013 but rebounded sharply from 2020 onward. As of 2025, the median home price is $157,846 — a figure that still places Bonifay among the state’s most affordable towns.
Its location just off I-10 makes Bonifay accessible while retaining a deeply rural feel. Residents enjoy a small-town atmosphere, modest cost of living, and reasonable proximity to larger hubs like Dothan and Panama City.
12. Paxton – 65% Home Price Increase Since 2019
- 2010: N/A
- 2011: N/A
- 2012: N/A
- 2013: N/A
- 2014: N/A
- 2015: N/A
- 2016: N/A
- 2017: N/A
- 2018: N/A
- 2019: $94,424
- 2020: N/A
- 2021: $132,728
- 2022: $160,642
- 2023: $155,825
- 2024: $163,690
- 2025: $156,282
Paxton – Quiet, Scenic, and Under the Radar
Paxton is one of Florida’s highest-elevation towns, tucked near the Alabama line in Walton County. Its housing market remained under the radar until recent years, when values jumped from under $100K in 2019 to $156,282 in 2025. Despite that increase, it’s still one of the state’s most affordable towns.
With its rural surroundings and low-density layout, Paxton offers quiet living with easy access to nearby Crestview. Its price correction since 2022 shows that even the most affordable markets can shift — but values remain modest by statewide standards.
11. Sneads – 99% Home Price Increase Since 2012
- 2010: $81,762
- 2011: $76,169
- 2012: $75,369
- 2013: $77,493
- 2014: $75,972
- 2015: $73,240
- 2016: $79,968
- 2017: $85,712
- 2018: $89,327
- 2019: $95,040
- 2020: N/A
- 2021: $120,976
- 2022: $146,818
- 2023: $149,086
- 2024: $148,849
- 2025: $150,203
Sneads – River Access and Rural Value
Sneads, in Jackson County, offers an affordable lifestyle near the Apalachicola River. Though home prices have almost doubled since 2012, the town still remains under $151K as of 2025. The biggest growth came between 2020 and 2022, with the market flattening in recent years.
Outdoor access is a big draw here. Sneads is close to Lake Seminole and Three Rivers State Park, making it ideal for those who enjoy fishing, boating, or quiet views. As housing prices across the state rise, Sneads stands out as a scenic and cost-effective alternative.
10. Blountstown – 99% Home Price Increase Since 2012
- 2010: $80,064
- 2011: $74,434
- 2012: $75,460
- 2013: $77,855
- 2014: $78,776
- 2015: $77,513
- 2016: $78,228
- 2017: $86,193
- 2018: $91,927
- 2019: $96,299
- 2020: N/A
- 2021: $129,616
- 2022: $146,190
- 2023: $154,175
- 2024: $157,378
- 2025: $149,122
Blountstown – Solid Growth in a Small River Town
Blountstown, the seat of Calhoun County, has seen home prices rise steadily since 2012, nearly doubling by 2025. After climbing to $157,378 in 2024, prices slipped slightly to $149,122 this year — but the market remains strong relative to historical averages.
Sitting along the Apalachicola River in northwest Florida, Blountstown offers small-town living with proximity to Tallahassee and the Gulf. The town’s modest housing stock and stable community appeal to those looking for affordability without being too far from urban centers.
9. Fort Mc Coy – 155% Home Price Increase Since 2012
- 2010: $70,638
- 2011: $62,894
- 2012: $57,041
- 2013: $55,147
- 2014: $56,663
- 2015: $59,784
- 2016: $63,964
- 2017: $69,497
- 2018: $75,496
- 2019: $83,224
- 2020: N/A
- 2021: $112,410
- 2022: $134,629
- 2023: $148,384
- 2024: $154,757
- 2025: $145,345
Fort Mc Coy – Quiet Forest Living With Rising Value
Fort Mc Coy is a quiet, rural community in Marion County, nestled near the Ocala National Forest. Prices have jumped from $57,041 in 2012 to $145,345 in 2025, more than doubling in that time. Growth was especially sharp after 2020, before cooling off slightly in the most recent year.
The town’s location offers outdoor amenities, peace, and seclusion, while still providing access to Ocala, Gainesville, and Palatka. It’s a popular destination for buyers looking for land, space, and natural surroundings — all without high price tags.
8. Cross City – 171% Home Price Increase Since 2012
- 2010: $51,973
- 2011: $53,642
- 2012: $56,487
- 2013: $57,099
- 2014: $62,211
- 2015: $69,213
- 2016: $67,796
- 2017: $68,439
- 2018: $71,364
- 2019: $80,402
- 2020: N/A
- 2021: $110,826
- 2022: $141,544
- 2023: $135,355
- 2024: $146,449
- 2025: $143,803
Cross City – Affordable Gulf Coast Access
Cross City, the seat of Dixie County, offers proximity to the Gulf of Mexico without the coastal price tag. Home prices rose from $56,487 in 2012 to $143,803 in 2025 — an increase of over 170%. While values dipped in 2023, they’ve since recovered and stabilized.
Positioned along U.S. Highway 19, Cross City provides a small-town setting with quick access to fishing, boating, and other water-based recreation. Its affordability and location make it appealing for buyers seeking a laid-back lifestyle near Florida’s Nature Coast.
7. Fountain – 171% Home Price Increase Since 2012
- 2010: $60,022
- 2011: $54,357
- 2012: $50,781
- 2013: $49,408
- 2014: $56,142
- 2015: $60,193
- 2016: $67,270
- 2017: $67,317
- 2018: $79,226
- 2019: $82,388
- 2020: N/A
- 2021: $118,054
- 2022: $135,990
- 2023: $139,853
- 2024: $147,957
- 2025: $137,526
Fountain – Inexpensive Land Near Panama City
Fountain sits in northern Bay County, north of Panama City, and has drawn attention for its affordability and accessibility. Median home values soared from $50,781 in 2012 to $137,526 in 2025. While prices peaked in 2024, a small drop in 2025 could present opportunities for new buyers.
Fountain is popular with those seeking larger lots and lower density without giving up proximity to Gulf Coast attractions. Its location along U.S. 231 provides easy access to employment centers and beach destinations, all while offering some of Florida’s cheapest housing.
6. Cottondale – 129% Home Price Increase Since 2012
- 2010: $63,816
- 2011: $58,908
- 2012: $60,007
- 2013: $62,369
- 2014: $62,999
- 2015: $60,622
- 2016: $64,024
- 2017: $65,749
- 2018: $67,661
- 2019: $82,029
- 2020: N/A
- 2021: $107,175
- 2022: $124,587
- 2023: $129,805
- 2024: $139,012
- 2025: $137,260
Cottondale – Affordable Panhandle Option With Steady Gains
Cottondale, located in Jackson County, has seen home prices rise from $60,007 in 2012 to $137,260 in 2025 — a 129% increase. Though prices softened slightly this year, the long-term trend remains positive, with consistent growth over the last decade.
It’s a quiet town near the intersection of I-10 and U.S. 231, providing access to Panama City, Dothan, and Tallahassee. Cottondale is a strong pick for buyers looking for affordable real estate in Florida’s Panhandle with a track record of reliable appreciation.
5. Campbellton – 80% Home Price Increase Since 2012
- 2010: $73,340
- 2011: $68,596
- 2012: $69,440
- 2013: $69,956
- 2014: $68,696
- 2015: $67,379
- 2016: $71,149
- 2017: $72,264
- 2018: $74,641
- 2019: $82,500
- 2020: N/A
- 2021: $111,994
- 2022: $129,703
- 2023: $130,832
- 2024: $127,141
- 2025: $124,766
Campbellton – Remote But Rising in Florida’s Far Northwest
Ebyabe, CC BY-SA 4.0, via Wikimedia Commons
Campbellton, in Jackson County near the Alabama state line, has quietly experienced an 80% rise in home prices since 2012. After hitting a high in 2023, values eased slightly over the past two years, landing at $124,766 in 2025. Despite the softening, it remains among the most affordable housing markets in Florida.
The town is rural, remote, and sparsely populated, but its appeal lies in its low cost of living and wide-open spaces. With U.S. 231 running nearby, residents can reach Dothan, Alabama or I-10 without much trouble. For buyers who value affordability and solitude, Campbellton checks both boxes.
4. Malone – 96% Home Price Increase Since 2012
- 2010: $69,767
- 2011: $64,918
- 2012: $63,098
- 2013: $62,765
- 2014: $59,758
- 2015: $60,360
- 2016: $64,056
- 2017: $70,729
- 2018: $70,595
- 2019: $75,423
- 2020: N/A
- 2021: $99,690
- 2022: $114,919
- 2023: $120,221
- 2024: $125,283
- 2025: $123,885
Malone – Quiet and Consistently Undervalued
Malone, another Panhandle town in Jackson County, has kept a low profile despite seeing home values nearly double since 2012. The median price reached $123,885 in 2025, making it one of the most budget-friendly places to live in the state. Growth has been gradual, and recent years show a pattern of calm, sustainable appreciation.
The town is compact and quiet, surrounded by farmland and forests, and just a short drive from the Alabama border. It lacks major infrastructure, but its affordability and peaceful pace of life attract buyers who want out of the hustle. For those seeking value in a stable market, Malone is a strong contender.
3. Chattahoochee – 101% Home Price Increase Since 2012
- 2010: $63,410
- 2011: $58,110
- 2012: $57,415
- 2013: $55,630
- 2014: $53,370
- 2015: $53,888
- 2016: $53,897
- 2017: $54,319
- 2018: $57,265
- 2019: $61,393
- 2020: N/A
- 2021: $82,936
- 2022: $100,539
- 2023: $112,918
- 2024: $118,694
- 2025: $115,256
Chattahoochee – River Views, Rock-Bottom Prices
Chattahoochee sits on the banks of the Apalachicola River in Gadsden County and offers one of Florida’s most affordable housing markets. Prices have doubled since 2012, yet the 2025 median is just $115,256. After a big rise in 2021 and 2022, prices have steadied — a sign of healthy, sustainable growth.
The town’s location on the Georgia border gives it a unique feel, with scenic bluffs and river access. While services and infrastructure are limited, the area is ideal for buyers who want peace and affordability without being too far from Tallahassee. Chattahoochee remains one of the last truly low-cost towns in North Florida.
2. Century Village – 298% Home Price Increase Since 2012
- 2010: $32,921
- 2011: $28,909
- 2012: $26,541
- 2013: $27,899
- 2014: $30,097
- 2015: $32,305
- 2016: $37,960
- 2017: $46,508
- 2018: $53,615
- 2019: $58,636
- 2020: N/A
- 2021: $67,112
- 2022: $88,973
- 2023: $118,020
- 2024: $122,575
- 2025: $105,645
Century Village – South Florida’s Cheapest Market
Century Village, a large retirement-oriented condo community in Broward County, holds the unusual distinction of being South Florida’s cheapest market. Prices skyrocketed from $26,541 in 2012 to $118,020 in 2023 before correcting to $105,645 in 2025. Even with the dip, values are nearly four times higher than a decade ago.
Its unique status as a 55+ community with small units and shared amenities keeps prices low, even in an expensive region. Century Village appeals to retirees and investors alike, offering entry-level prices near Boca Raton, West Palm Beach, and the Atlantic coast.
1. Gretna – 65% Home Price Increase Since 2018
- 2010: N/A
- 2011: N/A
- 2012: N/A
- 2013: N/A
- 2014: N/A
- 2015: N/A
- 2016: N/A
- 2017: N/A
- 2018: $50,058
- 2019: $51,150
- 2020: N/A
- 2021: $71,924
- 2022: $79,989
- 2023: $92,450
- 2024: $92,682
- 2025: $84,262
Gretna – The Cheapest Town in Florida in 2025
Gretna, in Gadsden County, ranks as the least expensive town in Florida in 2025 with a median home price of just $84,262. It’s one of the few places in the state where buyers can still find homes under $90K. While prices surged between 2021 and 2023, they’ve since slipped, returning to levels that remain extremely affordable.
The town is small, residential, and located just off I-10 west of Tallahassee. It doesn’t have much commercial activity, but its proximity to larger cities provides access to jobs and services. For bargain hunters, Gretna is in a league of its own — offering the lowest prices in Florida for those who know where to look.
