The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters
Ranked on The Town Files lifestyle rankings among 291 towns of 2,500–10,000 people in Florida, scoring every town on all of these at once. #1 is Hypoluxo, FL.
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12Alva, Florida
Retirement: 78th percentile · January average low (°F): 77th percentile · Home value ÷ income: 55th percentile
2,725 people · Lee County · median home $375,600 · income $85,919 · Jan low 54°F · 0 in snow
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11Bay Pines, Florida
Retirement: 83rd percentile · January average low (°F): 66th percentile · Home value ÷ income: 61st percentile
3,106 people · Pinellas County · median home $287,000 · income $68,214 · Jan low 53°F · 0 in snow
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10McGregor, Florida
Retirement: 85th percentile · January average low (°F): 73rd percentile · Home value ÷ income: 52nd percentile
7,976 people · Lee County · median home $467,600 · income $104,788 · Jan low 54°F
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9North River Shores, Florida
Retirement: 66th percentile · January average low (°F): 81st percentile · Home value ÷ income: 65th percentile
3,459 people · Martin County · median home $309,800 · income $75,896 · Jan low 56°F · 0 in snow
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8Fussels Corner, Florida
Retirement: 54th percentile · January average low (°F): 59th percentile · Home value ÷ income: 99th percentile
5,560 people · Polk County · median home $92,100 · income $56,091 · Jan low 52°F · 0 in snow
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7West Bradenton, Florida
Retirement: 73rd percentile · January average low (°F): 63rd percentile · Home value ÷ income: 77th percentile
4,247 people · Manatee County · median home $425,100 · income $116,272 · Jan low 52°F · 0 in snow
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6Whiskey Creek, Florida
Retirement: 62nd percentile · January average low (°F): 73rd percentile · Home value ÷ income: 80th percentile
4,842 people · Lee County · median home $379,600 · income $104,476 · Jan low 54°F · 0 in snow
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5Vamo, Florida
Retirement: 97th percentile · January average low (°F): 54th percentile · Home value ÷ income: 65th percentile
2,822 people · Sarasota County · median home $364,400 · income $88,025 · Jan low 52°F · 0 in snow
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4Buckingham, Florida
Retirement: 70th percentile · January average low (°F): 77th percentile · Home value ÷ income: 73rd percentile
4,443 people · Lee County · median home $431,100 · income $112,568 · Jan low 54°F · 0 in snow
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3White City, Florida
Retirement: 67th percentile · January average low (°F): 71st percentile · Home value ÷ income: 85th percentile
3,779 people · St. Lucie County · median home $397,100 · income $117,720 · Jan low 53°F · 0 in snow
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2Balm, Florida
Retirement: 84th percentile · January average low (°F): 50th percentile · Home value ÷ income: 91st percentile
6,541 people · Hillsborough County · median home $345,300 · income $114,659 · Jan low 51°F · 0 in snow
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1Hypoluxo, Florida
Retirement: 73rd percentile · January average low (°F): 86th percentile · Home value ÷ income: 77th percentile
2,687 people · Palm Beach County · median home $290,900 · income $78,214 · Jan low 58°F · 0 in snow
Price vs ranking
More Florida rankings
- The 25 Best Small Towns to Retire in Florida
- The 25 Quietest Small Towns in Florida
- The 25 Most Affordable Small Towns in Florida
- The 25 Best Small Towns for Families in Florida
- The 25 Best Quiet, Affordable Small Towns to Retire in Florida
- 25 Small Towns in Florida With the Cheapest Homes
- 25 Small Towns in Florida With the Mildest Winters
- The 25 Most Walkable Small Towns in Florida
- 25 Small Towns in Florida With the Fewest Tornadoes Since 1950
- The 25 Best Small Towns for First-Time Home Buyers in Florida
Same ranking, other places
- The 50 Best Affordable Small Towns to Retire in America With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Pennsylvania With Mild Winters
- The 24 Best Affordable Small Towns to Retire in New York With Mild Winters
- The 24 Best Affordable Small Towns to Retire in Michigan With Mild Winters
- The 16 Best Affordable Small Towns to Retire in Texas With Mild Winters
- The 10 Best Affordable Small Towns to Retire in California With Mild Winters
- The 23 Best Affordable Small Towns to Retire in New Jersey With Mild Winters
- The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters
- The 11 Best Affordable Small Towns to Retire in Ohio With Mild Winters
- The 22 Best Affordable Small Towns to Retire in Illinois With Mild Winters
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)