The Town Files

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.

Map of the 12 towns123456789101112
Numbers match the ranking.
The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters1. Hypoluxoscore 792. Balmscore 753. White Cityscore 744. Buckinghamscore 735. Vamoscore 726. Whiskey Creekscore 727. West Bradentonscore 718. Fussels Cornerscore 719. North River Shoresscore 7110. McGregorscore 7011. Bay Pinesscore 7012. Alvascore 70
  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

  11. 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

  12. 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

Median home value vs ranking, Florida towns0255075100$31K$262K$494K$726K$957KMedian home valuePercentile
Orange squares are the 12 towns on this list; green dots are other towns on The Town Files in Florida.

More Florida rankings

Same ranking, other places

Methodology. We ranked 291 towns of 2,500–10,000 people in Florida (2020 Census population; towns with 2,500+ people have pages so far). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: