Very few retirees can say that “budget is not a concern” when looking for the right Florida retirement or 55+ community. 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 Florida retirement communities with the lowest starting home prices.
This list only includes communities with home prices starting under $500,000.
What you see below is the pricing I found in April 2025 when I visited the websites of every community listed below.
A Note about “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 $200k's, you can also spend over $1 million if you were so inclined.
Also, starting price almost never equals the price you will actually pay. You have to take into account lot premiums, options, and upgrades before the final price of your home will be determined.
But as far as putting communities in order, there's no easier way to do that than by using starting price as our guide. So just keep that in mind as you're looking at this list.
Communities Under $200,000
Sadly, I don't know of any 55+ communities building new, site-built homes here in Florida with prices starting under $200,000.
Today, the only new 55+ communities with prices starting under $200,000 here in Florida that I know of will be manufactured home communities.
However, IF you absolutely must stay under $200k and want a site-built home, you should consider looking at resales.
Communities Between $200,000 and $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! Some of my favorite communities still offer homes starting in this range.
On Top of the World – Ocala
At On Top of the World Communities, 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.
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. Residents can also participate in over 175 clubs, leagues, hobbies, and lifelong learning opportunities.
There are around 20 different floor plans available with prices ranging to suit every budget starting in the $200k's.
Kings Gate – Port Charlotte
Located in the popular Port Charlotte/Punta Gorda area of Florida, Kings Gate offers easy access to beaches, marinas, wildlife sanctuaries, airports, and more, many within a 15-minute drive or less. A friendly, gated neighborhood community for residents age 55 and up, Kings Gate homeowners enjoy access to a recreation center, Olympic-sized swimming pool and spa, tennis courts, on-site activities director, and a variety of resident clubs and social events. Membership to the 18-hole golf course and facilities are additionally available. Prices start in the $200k’s.
Del Webb Stone Creek – Ocala
Del Webb Stone Creek is a gated, 55+ active adult community located in the horse capital of the world, Ocala, FL. The community has an 18-hole championship golf course, restaurant, resort-style pools, fitness center, spa, multiple game courts, a full-time lifestyle director and more. Home prices start in the $200k's.
The Villages
Located about an hour north of Orlando, The Villages is the most popular retirement community in the country, regularly selling more than 3,000 new homes per year.
Now home to more than 150,000 residents, people are attracted to The Villages because of its many golf courses, activities, amenities, and the convenience of having almost everything be golf cart accessible.
Home prices start in the $200k's.
Communities Between $300,000 and $400,000
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 that today, for many communities, that's the price of admission.
Babcock Ranch
Located in Southwest Florida, Babcock Ranch has been designed to help residents live their happiest, healthiest life. Situated on 18,000 acres, adjacent to an extensive wilderness preserve, Babcock Ranch features hiking and biking paths, greenways, and lakes perfect for outdoor adventures.
America’s first solar-powered town, Babcock Ranch houses an 870-acre solar farm operated by Florida Power & Light, and the entire town is outfitted with fiber optic internet for a fully connected lifestyle.
Babcock Ranch features a variety of neighborhoods and home builders, and prices range from the $300's to over $2M.
Brightmore at Wellen Park – Venice, FL
Discover a new brighter 55+ lifestyle at Brightmore at Wellen Park in Venice, Florida. This new gated community is nestled within popular Wellen Park, one the nation's premier master-planned communities. Brightmore will feature a rich array of resort-style amenities, including 2 pools, 8 pickleball courts and a competition court, and a 21,000 square foot clubhouse with gathering areas, bar/grill, fitness center, paw park and much more. A full activities and events calendar provides fun and social connections. Choose from 11 thoughtfully designed home plans, including villas and single-family residences.
Cresswind DeLand
Explore DeLand’s newest 55+ community, offering Cresswind’s national award-winning active adult lifestyle and new, Move-In Ready homes from the $300s. Cresswind DeLand offers a lakefront location just minutes from charming downtown DeLand in Central Florida.
In addition to Lake Winnemissett access for catch-and-release fishing, Cresswind offers an award-winning, 55+ lifestyle. A future resident-only clubhouse will serve as the central hub, featuring a fitness center, resort-style pool, pickleball courts, art studio, event spaces and indoor/outdoor gathering spots to unwind and connect with neighbors.
Cresswind features a new collection of floorplans designed specifically for active adults.
Cresswind at Hammock Oaks – Lady Lake
Cresswind at Hammock Oaks is a 55+ community in Lady Lake, located less than 3 miles from The Villages.
The planned resident-only clubhouse will feature a SmartFIT Training Center with EGYM technology, resort pool, pickleball courts, art studio, and various gathering spaces. The community offers new floorplans specifically designed for active adults, with customization options available through an on-site Design Studio.
Join the VIP List for early access to community information, floorplans, and pricing before the Spring 2025 Grand Opening.
Cresswind at Lake Harris – Tavares
Cresswind at Lake Harris offers a lakefront location just minutes from downtown Tavares and Mount Dora in Central Florida.
In addition to the community dock for boating on Lake Harris, a future lakefront, resident-only clubhouse will serve as the central hub, featuring a fitness center, resort-style pool, pickleball courts, art studio, event spaces, and indoor/outdoor gathering spots to unwind and connect with neighbors.
Cresswind at Lake Harris will feature a new collection of floorplans designed specifically for active adults.
Del Webb BayView
Del Webb BayView is another new 55+ community located in Parrish. The 22,500 sq. ft. Driftwood Club is the name of the amenity center at Del Webb BayView, staffed by a full-time lifestyle director and other staff. Enjoy a meal at the Sailfish Bar & Restaurant, grab a coffee, and hang out with newfound friends in the Breakwater Cafe, or relax with your favorite cold beverage in the Admiral's Cove Lounge.
Del Webb BayView offers more than a dozen different floorplans, including their attached “Villa Series”, and the last time I checked prices started in the mid $300k's.
Del Webb Oak Creek
Del Webb Oak Creek is a new 55+ community that opened in Fort Myers in 2022. Here you’ll find pretty much the same floorplans and amenities offered in other Del Webb communities, but if Southwest Florida is where you want to retire, this place is definitely worth checking out. Prices start in the $300k’s.
Del Webb Wildlight – Yulee
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.
Latitude Margaritaville Watersound
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.
Reverie at Palm Coast
Reverie at Palm Coast is a brand new 55+ community located in a naturally beautiful setting at the heart of the abundant activities, great golf and sparkling ocean waters that rank this area as one of the top beach towns in the country.
Reverie will include a staffed amenities center with an outdoor zero-entry swimming pool, separate spa, fitness center with fitness on-demand video system, 6 tournament-style pickleball courts, grand event lawn, multiple gathering areas, party bar, social clubs, separate aerobics area, golf simulator, putting green and much more.
Reverie will feature 15 different home designs in 3 home collections that range from 1,693 sq. ft to over 3,700 sq. ft in living area with 2 and 3-car garages. Pre-construction prices start from the mid $300,000 to mid $500,000 range with many homesite views, design elements and options to choose from.
Reverie at Trailmark – St. Augustine
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.
Valencia Harbor – Fort Myers
Discover Valencia Harbor by GL Homes in Fort Myers – a new 55+ community featuring a clubhouse, resort pools, fitness centers, sports courts, dining, and social activities. New single-family homes start from the $300s. Join the VIP Interest List to be the first to explore this premium active adult community.
Valencia Parc at Riverland – Port St. Lucie
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.
Communities Between $400,000 and $500,000
Boca Royale – Venice
Located just south of Venice in Sarasota County, Boca Royale Golf & Country Club offers a rare lifestyle that feels more like a vacation than the everyday. Residents of the gated 1,000-acre community enjoy a full line of fun and fitness amenities, including an 18-hole par 72 golf course. A beautiful amenity center and clubhouse round out the community. The community offers both single-family homes and attached villas.
Cresswind at Lakewood Ranch
Cresswind Lakewood Ranch is a 55+ new home community in Lakewood Ranch, located east of Sarasota and Bradenton and named the #1 multigenerational neighborhood in the nation.
Cresswind Lakewood Ranch offers a variety of amenities including a fitness center, art studio, tennis and pickleball courts, resort-style swimming pool, resistance pool and more. Residents also have quick access to Lakewood Ranch’s golf courses, polo club, 75-acre sports campus, schools, shops, restaurants and hospital. Plus, the white sand beaches and cultural attractions of Sarasota are within a 30-minute drive.
Homebuyers can choose from nineteen spacious home plans, specifically designed for active adults and offering open floorplans and energy-efficient designs.
Cresswind Palm Beach at Westlake
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.
Lakes at Harmony – St. Cloud
The Lakes at Harmony is a 55 and Better community from Jones Homes USA. Experience active living at its best, with Harmony’s signature golf course, Town Center, community events, walking trails, and more.
Harmony is more than a community, it’s a way of life; where the peace and tranquility of small-town living is surrounded by pristine lakes, abundant natural areas, popular Town Square and exclusive amenities, all close to the excitement and activities of nearby Orlando.
All homes are built for the way you live today, with oversized kitchens, open living spaces and incredible included luxury features. With its perfect blend of small-town living, outstanding amenities, convenient location, everyone wants to live in Harmony.
SkySail – Naples
Set sail for the exciting adventures awaiting you and your family in one of Collier County’s newest communities. Neal Communities is pleased to announce SkySail, a serene home neighborhood located among 246 acres of crystal-clear lakes. This beautiful lakeside community offers a variety of beautiful amenities perfect for connecting with neighbors through outdoor relaxation or exciting activities.
Valencia Ridge – Wesley Chapel
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.
Verandah – Fort Myers
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.
Villages of Citrus Hills
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 retiree in mind. But what makes the promise of Florida Retirement in the Villages of Citrus Hills truly come together for today’s new breed of active adult retiree is its extraordinary collection of world-class community country club amenities and extensive social activities. Villages of Citrus Hills offers a variety of home styles and neighborhoods to choose from.
Woodland Preserve – Parrish
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.
Impress with the recommendations.
This information will help us to decided where to move. Thanks
This information is very helpful. We are getting ready to do our search this winter.
Awesome that you posted this, we’re just starting our search for our new home and this helps a lot. Thank you
Great article. Would love a similar article summarizing golf communities at the different price points. Thank you so much.
Hello, great information, thank you. Is there any way to sort by golf course communities only>>
Thank you so much for posting this This will help me tremendously with my decision where to look. Hoping to visit a couple of these in a month.