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
Most communities with prices starting under $100,000 here in Florida will be manufactured home communities.
But before your brain conjures up images of a 1980’s “trailer park” you should know that manufactured homes have come a LONG way over the last few decades.
In fact, today’s manufactured homes are built to endure whatever Mother Nature can throw at them just as well as site-built homes and when standing in one, you would likely not even realize you were in a manufactured home.
However, IF you absolutely must stay under $100k and want a site-built home, 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 currently only got one community option available to you.
Prior to the Covid-19 pandemic, that was a different story. There were a handful of communities with homes starting in the $100k’s at that time. But due to supply chain issues and unprecedented demand for Florida real estate, it’s a totally different story in 2021.
Here’s the only community I know of right now with starting prices still in the $100k’s:
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, two of the homes at Covered Bridge start 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 quite a few options.
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 $200k’s.
Del Webb Stone Creek – Ocala, FL
Del Webb Stone Creek is a gated, 55+ active adult community located in the horse capital of the world, Ocala, FL. Boasting an 18-hole championship golf course with full grill, resort-style pool, fitness center, spa, multiple game courts, a full-time lifestyle director and more, you will be ready for your “Next Great Adventure.”
Single-family homes start in the $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 $200k’s, but there are also plenty of high-end options with prices ranging all the way up into the high-$1Ms.
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.
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.
Champions Gate – Davenport, FL
Champions Gate is a 900-acre master-planned community located in southwest Osceola County, Florida. Champions Gate is ideally situated with easy access to the Orlando International Airport, Walt Disney World® Resort and Universal Orlando.
The 20,000 sq. ft. Oasis clubhouse features a huge resort-style pool with water slides, lazy river, splash park, state-of-the-art fitness center, tiki bar, movie theatre, and volleyball courts. For those interested in hitting the links, there’s an on-site 18-hole championship golf course. And, next door to Champions Gate is another 36 holes designed by Greg Norman.
Champions Gate offers condos, townhomes, and single-family homes starting in the $200k’s, perfect for those looking for either a year-round or vacation home in Orlando.
Cascades at River Hall – Alva, FL
239-225-2681 | Website
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 $200k’s and move all the way up into the $400k’s.
Del Webb Naples – Ave Maria, FL
(239) 842-9643 | Website
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 low-$200k’s up to the high-$500k’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 $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 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.
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 with prices starting in the $200k’s.
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 prices start in the $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. Prices start in the $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. Prices start in the $200k’s.
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.
Homes range in size from 1,641 to 2,034 square feet and start in the $200k’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.
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.
Latitude Margaritaville – Watersound, FL
(866) 464-4753 | Request more information
The smallest homes at Latitude Margaritaville Watersound are called Cottages (Conch Collection) that range in size from 1,204 a/c sq. ft. to 1,466 a/c sq. ft.
The next size up are Villas (Caribbean Collection) that range in size from 1,503 a/c sq. ft. to 1,862 a/c sq. ft. After that there are two different collections of Single-Family Homes which max out at around 2,500 sq. ft.
At the time of this writing, home prices range from the $200k’s to the $400k’s.
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-$200s and the mid-$300s.
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.
Ocala Preserve – Ocala, FL
352-402-3100 | Website
New homes at Ocala Preserve are available in a variety of different collections that range in size from as small as 1,320 square feet up to 2,370 square feet starting in the $200k’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.
Parkland Preserve at World Golf Village
Just south of Jacksonville is where you’ll find Parkland Preserve at World Golf Village, an active adult neighborhood offered by Freedom Homes, a D.R. Horton company.
Community features include a gated entrance, amenity center with pool and Lifestyle Director to help residents meet their neighbors, stay active and make new friends! Homes start in the $200k’s and are single-story, thoughtfully designed and feature covered lanais to enhance your Florida lifestyle.
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.
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.
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.
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.
A wide variety of homes and homesite packages are available.
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 $600k’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 $900k’s.
Valencia Trails – Naples, FL
Valencia Trails in Naples, FL offers the best resort lifestyle with a magnificent 42,000 sq. ft. Clubhouse where every day new events, clubs, and entertainment abound. Relax by the pool, grab a bite at the restaurant, catch a show in the social hall, or take a relaxing stroll or jog along the community’s iconic trails. The options are endless!
Designed for 55+ living, the gorgeous contemporary style single-family homes at Valencia Trails offer the ultimate in style, convenience, and luxury with spacious living areas, impressive gourmet kitchens, and screened and covered patios to make the most of Florida’s beautiful weather year-round. Come home to luxurious standard features including tile roof, brick pavers, stainless steel and gas appliances, designer tile flooring throughout main areas, rich stone exterior finishes and so much more. Homes start in the $600k’s.
Valencia Grove at Riverland – Port St. Lucie, FL
Valencia Grove at Riverland is one of the newest 55+ communities on Florida’s East Coast. Located in Port St. Lucie, Valencia Grove 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 $300s.
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 $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.
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 $300k’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 $400k.
Cresswind Palm Beach at Westlake – Westlake, FL
561-476-0051 | Website
Cresswind Palm Beach at Westlake is an active adult community located in Westlake, FL between Wellington and Palm Beach Gardens. New homes at Cresswind Palm Beach range from 2 to 4 bedroooms and start in the high $300k’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 $300k’s.
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 Nocatee – Ponte Vedra, FL
(904) 543-3927 | Request more information
Del Webb Nocatee is a new 55+ gated community in Ponte Vedra, which is in Northeast Florida, just minutes from Jacksonville and St. Augustine, and about 4 miles from pristine beaches.
The Canopy Club will will offer luxury amenities just a golf cart’s drive away, including a zero-entry pool, pickleball courts, fitness studio, and even an onsite Tavern & Grill with private wine lockers.
Single-Family Homes and Villas start from the $300k’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 | Request more information
Del Webb Sunbridge is a new 55+ gated community in St. Cloud, which is in Central Florida, just minutes from Lake Nona and Orlando.
The 27,000 sf. Clubhouse will feature luxurious indoor and outdoor amenities like a zero-entry pool, resistance pool, pickleball and tennis courts, a fitness center, movement studio, and more.
Single-Family Homes and Villas start from the $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 start in the $600k’s.
Regency at Avenir – Palm Beach Gardens, FL
855-776-8655 | Website
469 single-family homes are planned for Regency at Avenir, ranging in size from 1,800 to 2,800 square feet. Home prices start in the $600k’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, starting from the $300k’s.