Cheapest Places to Buy a House in Florida (2026 Data)

Think Florida home prices are out of reach? Think again.

While cities like Miami and Tampa now push average home prices well above $500,000, there are still parts of Florida where you can buy a home for under $100,000 — and in some cases, live near the Gulf Coast with a monthly mortgage payment below $600.

In this 2026-updated guide, we break down the cheapest places to buy a house in Florida, using the latest county-level pricing data, mortgage assumptions, and affordability trends. You’ll discover:

• The 10 most affordable counties in Florida
• The cheapest coastal areas to buy near the ocean
• Low-cost options near Miami, Tampa, and Jacksonville
• How down payment assistance and FHA loans can make buying even easier

Whether you’re a first-time homebuyer, relocating, or looking for a lower-cost Florida lifestyle, this guide shows you exactly where affordability still exists — and how to take advantage of it in 2026.

This guide is for buyers looking for the cheapest places to buy a home in Florida in 2026, including coastal areas, counties near major cities, and locations where down payment assistance can make ownership even more affordable.

Home prices and payments reflect Q4 2025–Q1 2026 median sales data, assuming a 30-year fixed mortgage at prevailing market rates. Sources include Zillow, Redfin, FHFA, and Freddie Mac.

Most Affordable Places to Buy a Home in Florida (2026 Snapshot):

• Dixie County – Median Price: $95K
• Taylor County – Median Price: $98K
• Holmes County – Median Price: $99K
• Madison County – Median Price: $104K
• Hamilton County – Median Price: $108K

Overall 10 Cheapest Places to Buy a House in Florida

These Florida cities offer some of the lowest home prices in the state, making them attractive options for first-time buyers and budget-conscious homeowners in 2026.

10. Lafayette County, Florida

Median Home Price: $129,35
Monthly Payment: $740

Nestled in the north-central region of Florida, Lafayette County is a peaceful retreat known for its small-town charm and affordable living.

As the second-least populous county in the state, with just over 8,000 residents, it offers a tranquil escape from the hustle and bustle of urban life. The county seat, Mayo, is its only incorporated town, providing a close-knit community atmosphere.

Lafayette County boasts natural beauty with landmarks like the Suwannee River forming its eastern boundary and parks such as Lafayette Blue Springs State Park.

The area's low median home price of $129,350 and monthly mortgage payment averaging $740 make it a hidden gem for budget-conscious homebuyers seeking a simple, rural lifestyle. Whether you're drawn by its rich history or serene surroundings, Lafayette County is a unique spot to consider calling home.

9. Hardee County, Florida

Median Home Price: $127,190
Monthly Payment: $720

Located in the heart of Central Florida, Hardee County offers a unique blend of small-town charm and rich history. With a median home price of $127,190 and an average monthly mortgage payment of just $720, this county is an attractive option for those seeking affordable housing.

The county seat, Wauchula, serves as the hub of this vibrant community, known for its friendly atmosphere and a mix of modern amenities and historical landmarks.

Hardee County is steeped in history, from its origins as part of "old DeSoto County" to its role in phosphate mining, a key industry in the region.

Nature enthusiasts can enjoy its reclaimed lands, which have been transformed into lakes and wetlands, offering scenic spots for recreation. Whether you're drawn by its affordability, historical significance, or natural beauty, Hardee County is a hidden gem worth exploring.

8. Liberty County, Florida

Median Home Price: $115,590
Monthly Payment: $660

Liberty County, the least populous county in Florida, is a peaceful haven with a median home price of just $115,590 and an average monthly payment of $660. Located in the Big Bend region, this rural gem offers incredible affordability for homebuyers seeking a slower pace of life surrounded by natural beauty.

The county seat, Bristol, provides a quaint community feel, while Torreya State Park and the Apalachicola National Forest offer ample opportunities for outdoor enthusiasts.

With the Apalachicola River running through its borders, Liberty County is ideal for fishing, hiking, and exploring Florida’s pristine landscapes. Whether you’re drawn by its affordability or its serene environment, Liberty County is a hidden treasure for budget-conscious buyers.

7. Glades County, Florida

Median Home Price: $112,840
Monthly Payment: $640

Nestled in the Florida Heartland, Glades County offers an affordable slice of paradise. The county seat, Moore Haven, is a charming small town located on the western shore of Lake Okeechobee.

Known for its scenic beauty and rich history, Glades County is home to the Brighton Seminole Indian Reservation and hosts the annual Chalo Nitka Festival, celebrating the area's vibrant culture and strong ties with the Seminole Tribe.

With a mix of prairie, pinelands, and waterways like Fisheating Creek—a vital free-flowing tributary to Lake Okeechobee—Glades County is ideal for nature enthusiasts and those seeking a peaceful lifestyle.

Whether you're drawn to the affordable housing or the serene surroundings, this county offers a unique blend of affordability and charm.

6. Jackson County, Florida

Median Home Price: $111,950
Monthly Payment: $640

Jackson County, located in the Panhandle of Florida, is steeped in history and natural beauty. Its county seat, Marianna, is home to charming small-town vibes and landmarks like the Florida Caverns State Park, offering unique underground experiences.

Known as the oldest county in Florida’s Panhandle, Jackson County was established in 1822 and named after Andrew Jackson.

The area offers affordable housing options and a relaxed lifestyle with access to outdoor activities. From fishing along the Chipola River to exploring historic sites, Jackson County is ideal for those seeking a mix of history, affordability, and natural beauty.

Whether you're a history enthusiast or a nature lover, this North Florida treasure offers a welcoming community at an accessible price point.

5. Hamilton County, Florida

Median Home Price: $108,510
Monthly Payment: $620

Nestled in North Central Florida, Hamilton County offers a peaceful and affordable lifestyle. Established in 1827 and named after Alexander Hamilton, the county is rich in history and natural beauty. The county seat, Jasper, embodies small-town charm with a welcoming community atmosphere.

Hamilton County’s natural attractions include the Suwannee River, which borders the county and provides ample opportunities for fishing, boating, and outdoor recreation. The region is perfect for those who value a slower pace of life and enjoy the serenity of rural landscapes.

With its low median home price and proximity to major highways like I-75, Hamilton County is ideal for families, retirees, and anyone seeking a tranquil setting with easy access to the rest of Florida.

4. Madison County, Florida

Median Home Price: $104,090
Monthly Payment: $590

Located in the north-central region of Florida, Madison County is a charming community steeped in history and natural beauty.

With a median home price of $104,090 and an average monthly mortgage payment of just $590, it’s an affordable destination for families and individuals looking to settle in a peaceful, welcoming environment. The city of Madison, the county seat, anchors the area with its small-town charm and a deep sense of community.

Madison County boasts a rich heritage, named after James Madison, the fourth president of the United States. Its roots are tied to the plantation economy, and its historical significance is evident in the preserved architecture and cultural landmarks.

Surrounded by picturesque landscapes, the county offers outdoor enthusiasts opportunities to explore its parks, lakes, and scenic countryside.

3. Holmes County, Florida

Median Home Price: $99,660
Monthly Payment: $570

Nestled in the Florida Panhandle, Holmes County offers a blend of small-town charm and natural beauty.

With a median home price of $99,660 and an average monthly mortgage payment of just $570, it’s an affordable option for those seeking a peaceful lifestyle. Bonifay, the county seat, serves as the heart of the community, offering a welcoming atmosphere and a rich cultural history.

Holmes County is known for its historical significance and outdoor recreation opportunities. Landmarks like the Waits Mansion in Bonifay and Ponce de Leon Springs State Park showcase the area’s charm. The county’s picturesque landscapes, including natural springs and forests, provide a haven for nature enthusiasts.

2. Taylor County, Florida

Median Home Price: $98,480
Monthly Payment: $560

Located along Florida’s Big Bend, Taylor County offers a tranquil lifestyle with stunning natural surroundings and a rich cultural history. With a median home price of $98,480 and an average monthly mortgage payment of just $560, Taylor County is a great option for those seeking affordability in a serene environment.

The county seat, Perry, serves as the hub of this community, known for its annual Florida Forest Festival and designation as the "Tree Capital of the South."

Taylor County boasts beautiful outdoor spaces, including portions of the St. Marks National Wildlife Refuge and access to the Gulf of Mexico.

Residents and visitors can explore natural springs, enjoy fishing, or relax at quiet beaches like Keaton Beach and Dekle Beach. The county’s history is equally compelling, named after President Zachary Taylor and home to Civil War-era landmarks.

1. Dixie County, Florida

Median Home Price: $95,240
Monthly Payment: $540

Nestled in Florida's Big Bend region and along the Gulf Coast, Dixie County offers a peaceful, rural lifestyle with plenty of natural beauty and historical charm.

With a median home price of $95,240 and an average monthly mortgage payment of just $540, this county provides one of the most affordable living options in the state. The county seat, Cross City, serves as the heart of this welcoming community, rich in southern traditions and scenic landscapes.

Dixie County is home to the Lower Suwannee National Wildlife Refuge, providing abundant opportunities for outdoor enthusiasts to enjoy fishing, boating, and exploring Florida’s pristine ecosystems.

Historical landmarks like the Old Town Methodist Church and the Putnam Lodge add to the county’s charm, reflecting its deep roots in Florida’s history.

Cheapest Places to Live Near Miami, Florida

If you're looking for affordable living options near Miami, there are several counties to consider depending on your budget and priorities. For those seeking the closest and most affordable option, Broward County offers the best balance of proximity and cost, with median home prices around $476,900 and average rents at $2,720.

If you're willing to expand your search slightly farther, Hendry County and Okeechobee County provide much more affordable housing options, with median home prices under $190,000 and rents around $1,000.

For the most budget-friendly choice, Glades County stands out with median home prices as low as $112,840 and rents averaging $640, though it’s more rural and further from urban amenities.

If staying closer to urban areas is a priority, Palm Beach County might be a suitable option, though it is more expensive.

Cheapest Places to Live Near Jacksonville, Florida

If you're looking for affordable living options near Jacksonville, there are several nearby counties that offer a range of choices based on your budget and priorities. For a balance of proximity and cost, Duval County (home to Jacksonville) is a solid option, with median home prices around $332,480 and average rents of $1,910.

For more affordable alternatives, Clay County and Nassau County are nearby, with median home prices of $349,650 and $425,680, respectively, and rents ranging from $1,990 to $2,470.

If you're willing to explore farther out, Putnam County and Baker County provide significantly lower costs, with median home prices at $157,460 and $232,750, and average rents around $960 to $1,350.

For the most budget-friendly choice, Baker County offers affordability without venturing too far from Jacksonville.

Cheapest Places to Live Near Tampa, Florida

If you're looking for affordable living options near Tampa, there are several nearby counties to consider based on your budget and lifestyle preferences. Hillsborough County (home to Tampa) offers a central location with median home prices around $408,390 and average rents of $2,330.

For more affordable options close to the city, Polk County and Pasco County are excellent choices, with median home prices at $309,760 and $348,090, and rents ranging from $1,760 to $2,030.

If you're seeking even lower costs, Hernando County and Citrus County provide more budget-friendly alternatives, with median home prices at $314,480 and $274,030, and rents averaging $1,830 and $1,680, respectively.

Hernando County offers a good mix of affordability and proximity to Tampa, while Citrus County is ideal for those willing to live a bit farther out to save on housing costs.

Cheapest Places to Live Near The Ocean

If you're looking for the cheapest places to live by the ocean in Florida, there are several counties that combine affordability with coastal living. Dixie County, located along Florida's Big Bend, offers the most affordable option with a median home price of just $95,240 and an average monthly mortgage payment of $540.

Close by, Taylor County is another excellent choice, with a median home price of $98,480 and a monthly payment of $560.

For slightly higher prices but still affordable living, Franklin County and Levy County are worth considering. Franklin County offers median home prices of $249,950 and rents averaging $1,530, while Levy County provides a lower median home price of $168,470 and rents around $1,030.

If you’re looking for affordability with more development and amenities, Bay County and Citrus County offer coastal access with median home prices of $331,150 and $274,030, and rents averaging $1,970 and $1,680, respectively.

Florida Affordable Housing FAQs (2026 Data)

Get clear answers to the most common questions about affordable Florida housing, including the cheapest counties and more.

What Is the Cheapest County to Buy a House in Florida in 2026?

As of 2026 data, Dixie County, Florida is the cheapest county to buy a house, with median home prices around $95,000 and average monthly mortgage payments near $540, making it the most affordable option statewide.

Can You Buy a House in Florida for Under $100,000?

Yes, you can still buy a house in Florida for under $100,000 in rural and north-Florida counties such as Dixie, Taylor, Holmes, and Madison Counties, especially when combined with down payment assistance or first-time buyer programs.

Are There Cheap Places to Live in Florida Near the Ocean?

Yes, some of Florida’s cheapest coastal counties include Dixie County and Taylor County along the Gulf Coast, where median home prices remain under $100,000 while offering access to beaches, fishing, and waterfront living.

Affordable Florida Homeownership Is Still Possible

Florida may be known for luxury real estate and high-priced coastal cities, but as this guide shows, homeownership is still within reach — even in 2026.

From rural counties with median home prices under $100,000 to affordable areas near major cities and the Gulf Coast, there are real opportunities for buyers willing to look beyond the headlines.

And when you combine these lower prices with Florida down payment assistance programs, FHA financing, or zero-down options, the path to owning a home becomes even more achievable.

In fact, most buyers qualify for at least one assistance program, and many can stack state, county, and lender incentives to dramatically reduce their upfront costs.

If you’re serious about buying in Florida — especially in one of the affordable areas highlighted above — the smartest next step is to see exactly what you qualify for based on your income, location, and credit profile.

Check your eligibility for Florida homebuyer and down payment assistance programs today and find out how affordable your Florida home could really be.