Everyone has their number.
But “affordable” means different things to different people, so what I wanted to do in this article is give you a list of the cheapest Florida retirement communities, to the most expensive ones, broken down by starting price.
Now, as you probably know, many of the communities you’ll find in Florida have a wide range of price points.
Take The Villages for instance.
While you can find new homes starting in the $100k’s, you can also spend over $1 million if you were so inclined.
So just keep that in mind as you’re looking at this list.
Table of Contents:
- Communities Under $100k
- Communities Between $100k and $200k
- Communities Between $200k and $300k
- Communities Over $300k
Communities Under $100,000
Sadly, I don’t know of any Florida retirement communities selling new homes with prices starting under $100,000.
UNLESS of course you are willing to consider manufactured homes, and even in that case, it will probably put you in some of Florida’s lesser desirable areas. READ: In the middle of nowhere.
However, IF you absolutely must stay under $100k, you should consider looking at Florida retirement community resales by searching sites like Realtor.com and Zillow.com.
You may or may not find homes under $100,000 within a Florida retirement community, but perhaps you could find one close enough to an active community to allow you to enjoy some of the same benefits afforded residents.
For example, I don’t see any listed right now, but in the past I have seen some of the earlier manufactured homes in The Villages going for at or just under $100,000.
Now whether you own a $99,000 home or a $999,999 home, if you are a resident of The Villages you’re afforded the same rights and privileges as the next guy.
But even if you were to find something just a bit outside The Villages but within driving distance, you could enjoy many of the things that make living there so great, like the many restaurants, shopping and entertainment venues, and so on.
So once you’ve zeroed in one where in Florida you would most like to live, start by searching the sites I mentioned above and just see what pops up for you.
Communities $100,000 to $200,000
If you have more than $100k but less than $200k to spend, you’ve definitely got some great options available to you.
And that’s good, because according our recent reader survey 39% of our readers are hoping to stay within this price range.
Here are some Florida communities with starting prices between $100,000 and $200,000.
On Top of the World – Ocala, FL
At On Top of the World, active adults will find all they dream about and so much more. Located in beautiful Ocala Florida, On Top of the World residents can enjoy any schedule that suits their tastes – from activity packed to unhurried.
Leisure amenities include 54 holes of golf on three courses, indoor and outdoor swimming pools, tennis courts, a 14-acre R/C flying field, bocce, racquetball and basketball courts, fitness center, health club and spa, restaurants, cultural venues, and much more.
There are 23 floor plans available with prices ranging to suit every budget starting in the mid $100k’s.
Solivita – Kissimmee, FL
Solivita is a national award-winning retirement community in Central Florida’s attraction zone, offering great natural beauty, vast recreational amenities and enough to do to keep any active adult as busy as you care to be.
At the time of this writing there is one new home floorplan that starts in the $190k range, but the other are not much more than that if you’re able to stretch the budget just a bit.
Because of its sheer size, Solivita is definitely one of those communities I talked about that will have a lot of resales available, and I know there are some available in this price range.
Arlington Ridge – Leesburg, FL
844-212-7872 | Website
New construction buyers at Arlington Ridge can choose from multiple builders, which means that there are dozens of home styles and floorplans available here. Homes typically start in the high-$100s and can range up into the high-$300s.
Cascades at River Hall – Alva, FL
239-225-2681 | Website
Just barely squeaking in to this part of the list (their least expensive home starts at $197k) is Cascades at River Hall just outside of Fort Myers, Florida.
With multiple builders that each offer a selection of styles and floorplans, the options are nearly unlimited at Cascades at River Hall. Those choices can be as small as 1,500 square feet, or they can range up towards a more comfortable 2,800 square feet. Depending on what you are looking to build, the prices can start in the high-$100k’s and move all the way up into the mid-$300s.
Covered Bridge – Lake Placid, FL
863-455-9927 | Website
Located about two hours south of Orlando in Lake Placid, Covered Bridge is a community of 230 attached and single-family homes.
New single-family homes are available in eight different ranch-style floorplans that range in size from about 1,000 square feet to a little over 1,400 square feet.
At the time of this writing, all but one of the homes at Covered Bridge start in the $100k’s.
Del Webb Naples – Ave Maria, FL
(239) 842-9643 | Website
This is the one of only two Del Webb communities in Florida I know of where prices start in the $100k’s.
Homes at Del Webb Naples range in size from 1,438 to 2,611 square feet depending on whether you are looking for a smaller attached villa or a larger single-family home. Those homes are typically priced anywhere from the high-$100s up to the high-$500s.
Del Webb Stone Creek – Ocala, FL
(352) 453-8010 | Website
Homes at Del Webb Stone Creek are available in many different models that range in size from 1,133 square feet all the way up to 2,634 square feet. Those homes start out as low as the low-$100s, and they can escalate from there all the way up into the mid-$500s.
JB Ranch – Ocala, FL
(352) 509-7524 | Website
With prices that start in the high-$100k’s and only range up in to the mid-$200s, the homes at JB Ranch are competitively priced for the market.
Despite the reasonable price point, those homes still range in size from 1,641 to 2,034 square feet and include many of the most popular features on the market today.
Preserves at Lakeside Landings – Winter Haven, FL
863-229-5999 | Website
Located about an hour southwest of Orlando, Preserves at Lakeside Landings offers four different floorplans that range in size from 1,641 to 2,034 square feet. Those homes start in the high-$100k’s and can get as expensive as the mid-$200k’s.
(352) 753-6655 | Full Review
With more than 60,000 attached villas, manufactured homes, and single-family homes, The Villages is one of the largest active adult communities in the entire world.
Homes here start out in the mid-$100k’s, but there are also plenty of high-end options with prices ranging all the way up into the high-$1Ms.
Traditions – Winter Haven, FL
888-214-0354 | Website
The homes at Traditions are available in two different collections that each offer a variety of floor plans ranging from as small as 1,582 square feet all the way up to 2,599 square feet. Those homes are typically priced somewhere between the mid-$100k’s and the mid-$200s.
Trilogy at Ocala Preserve – Ocala, FL
352-402-3100 | Website
New homes at Trilogy at Ocala Preserve are available in six different collections that range in size from as small as 1,320 square feet up to 2,370 square feet starting in the $100k’s.
Communities $200,000 to $300,000
If you are able to spend more than $200,000 on your new home in Florida, here’s where things really get interesting!
The roughly 37% of our readers who have indicated they wish to stay in this price range have a whole lot of options.
Villages of Citrus Hills – Citrus Hills, FL
Located less than an hour from The Villages, the Villages of Citrus Hills is a Florida Retirement Community with single family homes and maintenance free villas that have been built with today’s demanding baby-boomer in mind.
Depending on the style and neighborhood you choose, home and home site packages range from the the upper $200k’s to over $1 million.
Bridge Bay at Bannon Lakes – St. Augustine, FL
(904) 644-1789 | Website
Bridge Bay at Bannon Lakes offers attached homes in two or three-bedroom floorplans that include 1,547 square feet of living space. Then the single-family homes are available in three different floorplans ranging from 1,671 to 1,968 square feet. Those homes typically start in the high-$200k’s and can get up into the mid-$300k’s.
Bridgewater at Viera – Melbourne, FL
855-463-9515 | Website
Between the attached villas and the single-family homes, Bridgewater at Viera offers a total of five different floorplans to choose from that range in size from as little as 1,593 square feet all the way up to 2,807 square feet.
These homes start in the mid-$200k’s.
Cascades at Southern Hills – Brooksville, FL
815-403-1800 | Website
New construction homes at Cascades at Southern Hills are currently available in seven different floorplans ranging from about 1,500 to 2,335 square feet. Home prices start in the low $200k’s.
Cresswind at PGA Village Verano – Port St. Lucie, FL
772-345-5041 | Website
The homes at Cresswind at PGA Village Verano are available in four different options that range in size from 1,571 square feet up to 2,576 square feet. All of the homes are ranch-style homes that utilize energy-efficient designs. The prices start in the mid-$200k’s and can range up into the high-$300k’s.
Cresswind at Victoria Gardens – DeLand, FL
386-873-4680 | Website
New construction homes here are available in a wide range of models that start as small as 1,430 square feet and can get as big as 3,236 square feet. Those homes can cost anywhere from the mid-$200k’s up to the high-$400k’s.
Del Webb Nocatee – Ponte Vedra, FL
(904) 543-3927 | Website
The attached villas and single-family homes at Del Webb Nocatee are available in nine different floorplans and traditional, coastal, and craftsman styles. Those homes range in size from 1,488 to 3,700 square feet and can cost anywhere from the mid-$200k’s to the low-$300k’s.
Del Webb Orlando – Davenport, FL
(407) 638-8720 | Website
There are a variety of floorplans available at Del Webb Orlando, and most of them include popular features like open layouts and first-floor master suites. Those homes range in size from 978 to 2,251 square feet and they are typically priced in the low-$200k’s to high-$300k’s.
Del Webb Ponte Vedra – Ponte Vedra, FL
(904) 543-3476 | Website
With condos, attached homes, and single-family homes all on the table at Del Webb Ponte Vedra, the options here are plentiful, to say the least. Homes range in size from as small as 1,157 square feet to as large as 2,129 square feet, and they are typically priced from the mid-$200k’s all the way up to the low-$600k’s.
Del Webb Tradition – Port St. Lucie, FL
(772) 209-3850 | Website
The attached homes at Del Webb Tradition clock in at 1,579 square feet and are available with either two or three bedrooms. The single-family homes range in size from 1,671 to 2,589 square feet and are available with two to four bedrooms. Those homes can start as low as the mid-$200k’s and get as expensive as the mid-$400k’s.
Del Webb eTown – Jacksonville, FL
(904) 543-3959 | Website
Del Webb eTown is a community of 346 single-family homes in Jacksonville that began construction in 2018. The homes at Del Webb eTown are available in a number of different models starting in the mid-$200k’s and ranging up to the low-$300k’s.
Encore at Fishhawk Ranch – Lithia, FL
(813) 565-5983 | Website
Encore at Fishhawk Ranch offers three different series of homes that each have multiple layouts and design options. Those homes range in size from 1,591 to 2,721 square feet, and they can be priced anywhere from the high-$200k’s up to the mid-$400k’s.
Esplanade at Highland Ranch – Clermont, FL
Located just west of Orlando, Esplanade at Highland Ranch is a gated community of 475 single-family homes. Amenities here include the standard selling points like a community clubhouse and a resort-style pool, plus there are plenty of courts and walking trails throughout the community.
Homes at Esplanade at Highland Ranch are available in three different collections that range in size from 1,722 square feet up to 2,930 square feet. Those homes start in the mid-$200k’s and can get as expensive as the low-$400k’s.
Four Seasons at Orlando – Kissimmee, FL
407-705-3103 | Website
With eleven different floorplans available, there are plenty of options to be had at Four Seasons at Orlando. Those plans range in size from 1,428 to 2,328 square feet, and they can cost anywhere from the mid-$200k’s up into the high-$300k’s.
Freedom at Arbor Mill – Jacksonville, FL
If smaller single-family homes are what you are looking for, Freedom at Arbor Mill is a fantastic option located right outside of Jacksonville. Residents here enjoy access to their own private clubhouse and pool, as well as the public amenities of the larger Oakleaf Plantation community.
The 156 single-family homes at Freedom at Arbor Mill are available with three or four bedrooms with anywhere from 1,585 to 1,986 square feet of living area. Those homes are all very similarly priced in the low-to-mid-$200s.
Freedom at Azalea Ridge – Middleburg, FL
With construction just starting in 2017, Freedom at Azalea Ridge is a newer community of 136 single-family homes located just south of Jacksonville in lovely Middleburg, Florida. Private amenities here include an amenity center, bocce courts, and a covered pavilion. Residents also have access to a wide range of amenities in the larger master-planned community of Azalea Ridge.
Freedom at Azalea Ridge offers multiple floorplans that each include popular features like granite countertops and covered lanais. Those homes range in size from 1,565 to 1,986 square feet, and they are typically priced in the mid-$200k’s.
Freedom at San Salito – St. Augustine, FL
Located in the larger master-planned community of San Salito, just outside of St. Augustine, Freedom at San Salito is a small community of just 96 single-family homes. Residents here have their own private amenities like an amenity center, outdoor pool, bocce courts, and a dog park. They also enjoy full access to all of the amenities available in the San Salito community as well.
There are four different models of homes to choose from at Freedom at San Salito, and those homes range in size from 1,685 to 1,986 square feet. The pricing generally falls somewhere in the mid-to-high-$200k’s.
Gatherings of Lake Nona – Orlando, FL
(321) 445-5050 | Website
The condos at Gatherings of Lake Nona are available in four different floor plans offer two or three bedrooms. Those condos can be as small as 1,368 square feet, and they can be as large as 1,805 square feet. They are usually priced between the high-$200k’s and the high-$300k’s.
Harmony Reserve – Vero Beach, FL
772-562-9889 | Website
Residents at Harmony Reserve can choose from six different attached villa floorplans and more than a dozen different single-family options. When you combine all of those models, this community can offer anywhere from 1,219 to 2,756 square feet at price points that range from the mid-$200k’s to the low-$300k’s.
Huntington at Hunter’s Ridge – Ormond Beach, FL
(386) 753-3688 | Website
With multiple builders to choose from, there are more than a dozen different floorplans to choose from at Huntington at Hunter’s Ridge. Those homes can range in size from 1,517 square feet up to 2,235 square feet. Depending on which features you add, the price point can be anywhere from the low-$200k’s to the low-$300k’s.
Lake James – Lakeland, FL
863-683-2782 | Website
The homes at Lake James are available in more than a dozen different layouts ranging from as small as 1,510 square feet to a much larger 2,420 square feet. Those homes typically start in the low-$200k’s and can get as expensive as the low-$300k’s.
LakePark at Tradition – Port St. Lucie
1-877-710-8241 | Website
LakePark at Tradition offers attached villas that range in size from 1,565 to 1,862 square feet. They also offer two different builders for single-family homes that can range from 1,895 to 2,350 square feet. Those homes start in the $200k’s.
Lakes at Laurel Highlands Freedom – Lakeland, FL
(863) 937-8794 | Website
Lakes at Laurel Highlands Freedom offers four different floorplans that range in size from 1,641 square feet up to 2,034 square feet. Those homes are all designed to offer the most popular features and upgrades on the market today, and they are generally priced in the low-to-mid-$200k’s.
Latitude Margaritaville – Daytona Beach, FL
(866) 464-7137 | Request more information
Homes at Latitude Margaritaville start in the mid-$200k’s and can get as high as the low-$500k’s. Those homes are available in a total of 15 different variations that are all themed after your favorite Jimmy Buffet songs.
Medley at Mirada – San Antonio, FL
(844) 478-9434 | Website
Medley at Mirada offers attached homes that range in size from 1,396 to 1,731 square feet. The single-family homes start at 1,683 square feet and can get as big as 2,775 square feet. Those homes are generally priced somewhere between the mid-$200k’s and the mid-$300k’s.
Medley at Southshore Bay – Wimauma, FL
800-495-6496 | Website
The homes are Medley at Southshore Bay range in size from 1,396 to 2,775 square feet. Those homes come complete with all of the bells and whistles that today’s buyers are looking for, and they are usually priced in the mid-$200k’s to mid-$300k’s.
Ormond Renaissance – Ormond Beach, FL
(386) 615-6646 | Website
The condos at Ormond Renaissance are available in sizes ranging from 1,248 to 1,515 square feet. Those floorplans can be for two or three bedrooms, and they are typically priced anywhere from the mid-$200k’s to the mid-$300k’s.
Palms at Serenoa – Clermont, FL
352-404-7261 | Website
The attached homes at Palms at Serenoa are a 1,608 square foot floorplan with two bedrooms and two bathrooms. The single-family homes range in size from 1,402 to 2,034 square feet and come in six different models. Those homes start in the low-$200k’s.
Pelican Preserve – Fort Myers, FL
(866) 201-5177 | Website
With condos, carriage homes, attached villas, cottages, classic homes, and estate homes all available, the options are nearly unlimited at Pelican Preserve. Buyers can choose from floorplans that range in size from just over 1,000 square feet all the way up to more than 3,000 square feet. Those homes can be priced anywhere from the mid-$200k’s to the high-$500k’s.
Stonecrest – Summerfield, FL
(352) 427-2478 | Website
The homes at Stonecrest are available in a number of different models that range from 1,238 to 2,243 square feet. Those homes are typically located on quarter-acre lots, and they start from the low-$200k’s.
The Lakes at Harmony – St. Cloud, FL
407-988-3285 | Website
There are three different series of home designs available for buyers to choose from at The Lakes at Harmony, and each of those series comes with multiple floorplan variations. Homes can range in size from 1,679 to 2,090 square feet, and the pricing starts in the low-$200k’s.
Tidewater by Del Webb – Fort Myers, FL
(239) 319-4590 | Website
The attached villas at Tidewater by Del Webb are available with either two or three bedrooms spread out across 1,542 square feet of living space. The single-family homes have multiple options ranging from 1,671 to 2,852 square feet. The smaller homes start in the high-$200k’s while the larger homes can get up into the mid-$400k’s.
Trilogy Orlando – Groveland, FL
352-240-7566 | Website
New single-family homes at Trilogy Orlando are available in five different styles with sizes ranging from 1,305 up to 2,450 square feet. Each style offers multiple floorplan variations, and those homes start in the low-$200k’s.
Twin Lakes – St. Cloud, FL
407-988-3222 | Website
Twin Lakes is a gated community of 2,000 attached villas and single-family homes that is located on 1,100 acres of land in St. Cloud, Florida.
The attached villas at Twin Lakes range in size from 1,351 to 1,449 square feet. Then the larger single-family homes offer anywhere from 1,596 to 3,146 square feet of living space. Those homes can start out as low as the low-$200k’s.
Valencia Cay at Riverland – Port St. Lucie, FL
Valencia Cay at Riverland is one of the newest 55+ communities on Florida’s East Coast. Located in Port St. Lucie, Valencia Cay brings together GL Homes’ famous 55+ resort-style living with an amazing master site plan to create a Florida lifestyle that’s second-to-none.
Get in on the ground floor of Florida’s next top master planned community with prices starting in just the $200s.
Valencia del Sol – Wimauma, FL
Valencia Del Sol’s convenient Tampa location makes it easy to enjoy having fun in the sun along Florida’s Gulf Coast. Offering a robust and extraordinary 55+ lifestyle, Valencia del Sol caters to residents looking to socialize and stay physically active.
This amazing new community features a stunning selection of twin villas and single-family homes starting in the $200k’s.
Villages of Seloy – St. Augustine, FL
904-810-2097 | Website
The attached homes at Villages of Seloy are available in four different floorplans that each come with two bedrooms, two bathrooms, and a two-car garage. Those homes start in the mid-$200k’s and can get as expensive as the mid-$300s.
Vitalia at Tradition – Port St. Lucie, FL
With bicycles and golf carts as the preferred method of transportation, active adult residents can join friends within the neighborhood or explore the vast 8,300 acres of Tradition. While the scale may be large, the feel is still small town America with a Town Hall, boutique restaurants and shops, spas and salons, along with the town center, Tradition Square.
Most homes here start in the $200k’s.
Watersong at RiverTown – St. John’s, FL
904-337-4856 | Website
Watersong at RiverTown offers multiple options for attached villas and single-family homes. And while there are plenty of options to choose from, the pricing is fairly consistent with most homes starting in the low-to-high-$200k’s.
Communities Over $300,000
Retirees on a tight budget may think that $300k (or more) is way too much to spend on a new home in Florida, but the reality is in some of the more expensive parts of Florida that’s the price of admission.
Even so, more than 22% of our readers indicate they plan to spend more than $300,000 on their new home in Florida, so there’s definitely a market for it.
Valencia Bonita – Bonita Springs, FL
Offering easy access to everything Southwest Florida is famous for, GL Homes is developing Valencia Bonita, setting a new standard of 55-plus living on Florida’s beautiful Gulf Coast. With an exciting vacation-inspired lifestyle that rivals the finest resorts, Valencia Bonita features an opulent 45,000 sq. ft. clubhouse and carefully designed single-family and villa home designs that are tailored to those looking for spacious layouts and sophisticated style.
Valencia Bonita is located just minutes from pristine beaches, tranquil nature preserves, chic shops and fine dining. Plus, everyday conveniences including banks, grocery stores and top rated medical facilities are also just a short drive away. Homes start in the low $300k’s.
Valencia Sound – Boynton Beach, FL
Swim, play, dine, relax or socialize – you can do as much or as little as you want at Valencia Sound in Boynton Beach. The nearly 39,000 square-foot Clubhouse with upscale indoor and outdoor amenities, including a full-service restaurant, sports lounge and multiple pickleball, tennis and bocce courts, provides the ultimate 55+ lifestyle in Boynton Beach.
Hundreds of clubs are available to join, Broadway-style shows and entertainment are found in the Social Hall, classes on everything from art to fitness are scheduled at the Clubhouse, and tournaments are held at the world-class Racquet Club. Home prices start in the $400k’s.
Artisan Lakes – Ponte Vedra, FL
904.924.6863 | Website
Homes in this community are available in two different collections that each come with a variety of floorplan options. Those homes range in size from 1,755 to 2,839 square feet, and they tend to cost anywhere from the high-$300k’s to the low-$500k’s.
Boca Flores – Boca Raton, FL
(561) 530-2255 | Website
The attached homes at Boca Flores cover approximately 1,542 square feet. The condos are a little bit larger, ranging from 1,952 to 2,530 square feet. Those homes start in the low-$400k’s.
Cresswind at Lakewood Ranch – Lakewood Ranch, FL
(941) 217-7980 | Website
New homes in Cresswind at Lakewood Ranch are all single-floorplan models that range in size from two to four bedrooms with an optional upstairs bonus room. Home prices start around $300k.
Del Webb Lakewood Ranch – Lakewood Ranch, FL
(941) 260-0370 | Website
Home options at Del Webb Lakewood Ranch include a 1,542 square foot attached villa or nine different single-family floorplans that range from 1,289 to 2,634 square feet. Those homes are typically priced anywhere from the low-$300k’s to the low-$500k’s.
Del Webb Oasis – Winter Garden, FL
(407) 554-5356 | Website
Coming soon to Winter Garden, this 55+ community is offering single-family homes and villas for residents who want to live in a brand new community.
Del Webb Oasis will be offering a selection of single-family homes and villas starting in the mid-$300k’s.
Del Webb Sunbridge – St. Cloud, FL
(407) 805-1930 | Website
Del Webb Sunbridge is a 55+ active adult community that will be located just five quick minutes up the road from Lake Nona, FL and Medical City, FL.
Del Webb Sunbridge will be offering multiple options for single-family homes and villas that are priced starting in the mid-$300k’s.
Four Seasons at Parkland – Parkland, FL
954-716-8610 | Website
Located just a bit north of Fort Lauderdale, Four Seasons at Parkland offers 18 different floorplans that range in size from 1,965 square feet all the way up to 3,615 square feet.
Homes here are priced anywhere from the high-$400k’s up to the high-$700k’s.
Serenity Reserve – St. Cloud, FL
650-302-6403 | Website
Homes at Serenity Reserve are available in four different floorplans that range in size from 2,200 square feet all the way up to 3,500 square feet, priced between the mid-$300k’s and the high-$400k’s.