Florida offers a variety of coastal towns that are popular choices for retirement. Here are ten great coastal retirement towns in Florida.
Naples
Located on the Gulf Coast, Naples is known for its beautiful beaches, upscale shopping, and golf courses. It offers a relaxed atmosphere and a vibrant cultural scene.
One nearby retirement option:
Valencia Trails offers luxury 55+ living in Naples, FL, featuring a 42,000 sq. ft. Clubhouse with daily events, dining, entertainment, and scenic walking trails. Contemporary single-family homes showcase spacious layouts, gourmet kitchens, and covered patios, complete with premium features including tile roofs, brick pavers, gas appliances, designer flooring, and stone finishes throughout.
Sarasota
With its stunning beaches and cultural attractions like art galleries and theaters, Sarasota is a favorite retirement destination. It has a lively downtown area and is home to the Ringling Museum of Art.
One nearby retirement option:
Woodland Preserve is Kolter Homes' latest new home community in the Sarasota-Bradenton area. This gated, 55+ neighborhood will feature a contemporary collection of flexible floorplans that range from 2- up to 5-Bedrooms with structural and design options.
Woodland Preserve residents will also have full access to their own community clubhouse and amenities including a fitness center, pickleball courts, pool with lap lanes, indoor and outdoor social spaces and much more. Plus, the community’s natural beauty is a crucial part of the lifestyle. Join the VIP List today to be among the first to receive community details.
St. Augustine
Known for its rich history and charm, St. Augustine is the oldest city in the United States. It has beautiful beaches, cobblestone streets, and a quaint downtown area with plenty of shops and restaurants.
One nearby retirement option:
Reverie at Trailmark is a 55+ community in St. Augustine. The Lodge is a 4,600 sq. ft. Lakeside Clubhouse that features indoor and outdoor social spaces, six pickleball courts, a resort-style pool and spa, a catering kitchen, and what sounds to me like one of the coolest amenities…an open-air Bier Garten.
There are 11 new single-family home designs, ranging from 1,500 to 3,000 sq. ft. The community features lakeside and preserve homesites. Prices start in the $300k’s.
Vero Beach
Located on the Atlantic coast, Vero Beach offers a laid-back atmosphere and uncrowded beaches. It has a vibrant arts scene and is home to the Vero Beach Museum of Art.
One nearby retirement option:
Situated on over 500 acres, with plans for approximately 1,300 homes, Del Webb at Viera offers retirement living in an acclaimed master-planned community known for its robust amenities and proximity to beautiful beaches, fine dining and shopping.
Del Webb at Viera offers single-family homes similar to those available in other Del Webb communities. Prices start in the $300k's.
Fort Myers
Situated along the Caloosahatchee River and the Gulf of Mexico, Fort Myers has a warm climate and an abundance of outdoor recreational activities. It is also known for its historical sites, such as the Edison and Ford Winter Estates.
One nearby retirement option:
Verandah is a beautiful, private, guard-gated golf course community in Fort Myers. Enjoy life among mature oak trees, meandering bike paths and walking trails, and breathtaking views of the Orange River. Verandah offers residents full-service dining options, social events and activities, fitness and recreation options, and 2 spectacular 18-hole championship golf courses: Old Orange, designed by Bob Cupp and Whispering Oak, designed by Jack Nicklaus.
Destin
Nestled on the Emerald Coast in the Florida Panhandle, Destin is famous for its pristine white sand beaches and emerald green waters. It offers a range of water activities and is a popular spot for fishing.
One nearby retirement option:
Located on Northwest Florida’s Emerald Coast between Pensacola & Panama City, Latitude Margaritaville Watersound is the 2nd Jimmy Buffett-inspired 55+ community in Florida, and the 3rd one overall when you include Latitude Margaritaville Hilton Head.
Amenities in place or coming soon include a Latitude Town Square with Bandshell, Latitude Bar & Chill Restaurant, 2nd Floor Overlook Bar with panoramic views of the Intracoastal Waterway, Paradise Pool with Beach Entry Cabanas, Tiki Huts, Fins Up! Fitness Center, Barkaritaville Dog Park, Tennis & Pickleball Courts, Port of Indecision Kayak Launch, Walking Trails, and more.
Home prices start in the $300k's.
Delray Beach
Located in Palm Beach County, Delray Beach has a vibrant downtown area known as Atlantic Avenue, which is filled with shops, restaurants, and art galleries. It has beautiful beaches and a lively cultural scene.
One nearby retirement option:
Cresswind Palm Beach at Westlake is a 55+ community offering resort-style amenities, including Club Cresswind with pools, fitness facilities, arts studios, and sports courts. Located between Wellington and Palm Beach Gardens, residents enjoy easy access to beaches, shopping, and West Palm Beach attractions. Kolter Homes offers 12 floorplans designed for active adults.
St. Petersburg
Situated on a peninsula between Tampa Bay and the Gulf of Mexico, St. Petersburg is known for its pleasant weather and cultural attractions. It has a vibrant downtown area with museums, art galleries, and a bustling waterfront.
One nearby retirement option:
Valencia Ridge, the all-new community in the greater Tampa area, offers contemporary home designs and world-class amenities for the ultimate 55+ luxury living. Nothing compares to the incredible 55+ lifestyle, as the world-class clubhouse will feature multiple pools, pickleball and tennis courts, fitness center, restaurant and bar, sports lounge, social hall and much more.
Amelia Island
Located in Northeast Florida, Amelia Island is a charming coastal town known for its pristine beaches, historic district, and Victorian architecture. It offers a relaxed coastal lifestyle and hosts various festivals throughout the year.
One nearby retirement option:
Experience a new level of retirement living at Del Webb Wildlight. This distinctive active adult community is located 20 minutes away from downtown Fernandina, Amelia Island beaches, and downtown Jacksonville. Del Webb Wildlight provides unique opportunities centered around signature resort-style amenities hosted by a full-time lifestyle director to ensure you stay active.
Jupiter
Situated in Palm Beach County, Jupiter offers beautiful beaches, excellent golf courses, and outdoor recreational opportunities. It has a small-town feel and is known for its natural beauty, including the nearby Loxahatchee River and Jupiter Inlet.
One nearby retirement option:
Valencia Parc at Riverland is one of the newest 55+ communities on Florida's East Coast. Located in Port St. Lucie, Valencia Parc at Riverland brings together GL Homes' famous 55+ resort-style living within the amazing 4,000-acre master-planned community of Riverland to create a Florida lifestyle that's second to none! In this new community, you'll find a million ways to have fun with everything connected through miles of eco-friendly greenways without ever having to get in your car. Walk or ride your golf cart to all the amenities right within your own neighborhood and to nearby shops and restaurants or enjoy a car ride to spend the perfect day at the beach.
Tell Us About Your Favorite Florida Coastal Retirement Town
These are just a few examples of the many great coastal retirement towns in Florida. Each town has its unique charm, amenities, and attractions, so it's important to visit and explore them to find the one that suits your preferences and lifestyle best.
Based on the popularity of this article, I'm sure we'll do a Round 2, so be sure to drop your favorite Florida coastal retirement town down below so we can consider it next time around!
We like Tampa/St.Pete. We are big city folk so we only considered the top four cities in the state. Hope I don’t offend, but we were turned off by Miami’s insane driving, frequent floods, and pockets of poverty. We thought Jacksonville too staid. Orlando turned us off because of its distance from the coast, frequent Disney-inspired traffic jams and gridlock, and omnipresent strip malls and chains. Tampa, St Pete and Clearwater have access to the coast, lots to do, and a sense of dynamism. We are happy here.
We Retired in Naples, Florida from Salt Lake City, Utah and previous to that was Santa Monica, California.
We fell in love with Naples 10 years ago after visiting Naples upon the completion of a Caribbean cruise. We had been looking for a retirement place for two years and immediately fell in love with Naples and purchased a Townhouse before we left to go back home.
After living here for two years, we built a new home in North Naples.
Miami Beach for us. We like the Latin culture. We have great museums and the New World Symphony. The brick walk along the ocean goes for miles.
Why is it that on the Ocean Side the condo’s are always set “way back” from the Ocean. Unlike in California where the Ocean Front Condo’s are literally right there on the ocean front. I’ve been searching for a nice condo on the Ocean Side in Florida and continue to struggle to find anything that is up close and personal to the ocean. They are all “set back” and many have trees and bushes blocking your ocean view.
I love Boca Raton restaurants , bars, art museums and the beach
Crystal river Florida and Beverly hills Florida, 2 of the nicest costal towns to retire to.
We retired in Ocala from South Florida because the insurance and property taxes were to high for our budget. Ocala has the clear springs that is similar to south Florida beaches. Also the restaurants in the Ocala there are some that make it to 5 star with very good food quality. We picked the eastern part of the county do to less traffic and the country feel.
We love the Riverview area. Retired here 2019 love the weather. I’m a Southern girl anyway. We love the Deep South.
Dunedin is a great little town, small enough to feel cozy but the downtown is active and it’s just a short drive to Tampa for all the big city fun and entertainment.
We were ending 4 days in Gulf Shores, AL. We needed to find a place for 2 nights before our next reservations in Hudson, FL. My wife found Cedar Key, a hidden gem on the gulf coast 1-1/2 hrs (+/-) from Hudson. It’s really off the beaten path and very laid back. Not fancy but with a vibrant downtown on the water.
We came from San Diego and chose Inverness, Florida. Small town, crystal river and Homosassa next door. All the restaurants and ,shopping you could want. Seafood galore. Not far from Ocala if you need big city or One hour to Orlando or Tampa.
Davenport is quiet and a great retirement community
DeLand is historic and beautiful 25 minute drive to Daytona beach.
We chose Largo to be near neighbors who are from our Midwest hometown. It is a really convenient location for going to Tampa to the east, Clearwater to the north and St. Pete to the south, but not as fast paced. Just right for us.
I fell in love with St George Island in the panhandle. Close to Apalachicola and PT St Joe.
Great beaches!
Take a look at Palm Coast. The beach is only three miles off I-95!
More of a small town atmosphere, with friendly people, and locaated on the east side of Florida.
I write retirement books, and this is where I relocated more than 15 years ago – I’m still very happy, and the area is still growing.
Jan Cullinane, The New Retirement: The Ultimate Guide to the Rest of Your Life (Wiley, 2022)
We retired here also in late 2021 and love it. A small town feel with convenient access to the beach, St. Augustine, and Daytona Beach.
Agree 100% Palm Coast is quiet, just enough of great restaurants and shopping. Easy drive to beach and not too crowded!
Dunedin is amazing.