The Town Files

The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters

Ranked on The Town Files lifestyle rankings among 291 towns of 500–10,000 people in Florida, scoring every town on all of these at once. #1 is Hypoluxo, FL.

Map of the 12 towns123456789101112
Numbers match the ranking.
The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters1. Hypoluxoscore 792. Balmscore 753. White Cityscore 744. Buckinghamscore 735. Vamoscore 726. Whiskey Creekscore 727. West Bradentonscore 718. North River Shoresscore 719. Fussels Cornerscore 7110. McGregorscore 7011. Bay Pinesscore 7012. Alvascore 70
  1. 12Alva, Florida

    Retirement: 78th percentile · January average low (°F): 77th percentile · Home value ÷ income: 55th percentile

    Alva is a community of 2,725 people in Lee County, Florida. Homes have a median value of $375,600 against household income of $85,919; January lows average 54°F.

    2,725 people · Lee County · median home $375,600 · income $85,919 · Jan low 54°F · 0 in snow

    Full Alva, Florida profile: weather, storms, schools, jobs →

    Alva: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement78th pctMild winters77th pctAffordability55th pct
    Percentile vs Florida towns on each part of this ranking.
  2. 11Bay Pines, Florida

    Retirement: 83rd percentile · January average low (°F): 66th percentile · Home value ÷ income: 61st percentile

    Bay Pines is a community of 3,106 people in Pinellas County, Florida. Homes have a median value of $287,000 against household income of $68,214; January lows average 53°F.

    3,106 people · Pinellas County · median home $287,000 · income $68,214 · Jan low 53°F · 0 in snow

    Full Bay Pines, Florida profile: weather, storms, schools, jobs →

    Bay Pines: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement83th pctMild winters66th pctAffordability61th pct
    Percentile vs Florida towns on each part of this ranking.
  3. 10McGregor, Florida

    Retirement: 85th percentile · January average low (°F): 73rd percentile · Home value ÷ income: 52nd percentile

    McGregor is a community of 7,976 people in Lee County, Florida. Homes have a median value of $467,600 against household income of $104,788; January lows average 54°F.

    7,976 people · Lee County · median home $467,600 · income $104,788 · Jan low 54°F

    Full McGregor, Florida profile: weather, storms, schools, jobs →

    McGregor: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement85th pctMild winters73th pctAffordability52th pct
    Percentile vs Florida towns on each part of this ranking.
  4. 9Fussels Corner, Florida

    Retirement: 54th percentile · January average low (°F): 59th percentile · Home value ÷ income: 99th percentile

    Fussels Corner is a community of 5,560 people in Polk County, Florida. Homes have a median value of $92,100 against household income of $56,091; January lows average 52°F.

    5,560 people · Polk County · median home $92,100 · income $56,091 · Jan low 52°F · 0 in snow

    Full Fussels Corner, Florida profile: weather, storms, schools, jobs →

    Fussels Corner: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement54th pctMild winters59th pctAffordability99th pct
    Percentile vs Florida towns on each part of this ranking.
  5. 8North River Shores, Florida

    Retirement: 66th percentile · January average low (°F): 81st percentile · Home value ÷ income: 65th percentile

    North River Shores is a community of 3,459 people in Martin County, Florida. Homes have a median value of $309,800 against household income of $75,896; January lows average 56°F.

    3,459 people · Martin County · median home $309,800 · income $75,896 · Jan low 56°F · 0 in snow

    Full North River Shores, Florida profile: weather, storms, schools, jobs →

    North River Shores: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement66th pctMild winters81th pctAffordability65th pct
    Percentile vs Florida towns on each part of this ranking.
  6. 7West Bradenton, Florida

    Retirement: 73rd percentile · January average low (°F): 63rd percentile · Home value ÷ income: 77th percentile

    West Bradenton is a community of 4,247 people in Manatee County, Florida. Homes have a median value of $425,100 against household income of $116,272; January lows average 52°F.

    4,247 people · Manatee County · median home $425,100 · income $116,272 · Jan low 52°F · 0 in snow

    Full West Bradenton, Florida profile: weather, storms, schools, jobs →

    West Bradenton: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement73th pctMild winters63th pctAffordability77th pct
    Percentile vs Florida towns on each part of this ranking.
  7. 6Whiskey Creek, Florida

    Retirement: 62nd percentile · January average low (°F): 73rd percentile · Home value ÷ income: 80th percentile

    Whiskey Creek is a community of 4,842 people in Lee County, Florida. Homes have a median value of $379,600 against household income of $104,476; January lows average 54°F.

    4,842 people · Lee County · median home $379,600 · income $104,476 · Jan low 54°F · 0 in snow

    Full Whiskey Creek, Florida profile: weather, storms, schools, jobs →

    Whiskey Creek: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement62th pctMild winters73th pctAffordability80th pct
    Percentile vs Florida towns on each part of this ranking.
  8. 5Vamo, Florida

    Retirement: 97th percentile · January average low (°F): 54th percentile · Home value ÷ income: 65th percentile

    Vamo is a community of 2,822 people in Sarasota County, Florida. Homes have a median value of $364,400 against household income of $88,025; January lows average 52°F.

    2,822 people · Sarasota County · median home $364,400 · income $88,025 · Jan low 52°F · 0 in snow

    Full Vamo, Florida profile: weather, storms, schools, jobs →

    Vamo: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement97th pctMild winters54th pctAffordability65th pct
    Percentile vs Florida towns on each part of this ranking.
  9. 4Buckingham, Florida

    Retirement: 70th percentile · January average low (°F): 77th percentile · Home value ÷ income: 73rd percentile

    Buckingham is a community of 4,443 people in Lee County, Florida. Homes have a median value of $431,100 against household income of $112,568; January lows average 54°F.

    4,443 people · Lee County · median home $431,100 · income $112,568 · Jan low 54°F · 0 in snow

    Full Buckingham, Florida profile: weather, storms, schools, jobs →

    Buckingham: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement70th pctMild winters77th pctAffordability73th pct
    Percentile vs Florida towns on each part of this ranking.
  10. 3White City, Florida

    Retirement: 67th percentile · January average low (°F): 71st percentile · Home value ÷ income: 85th percentile

    White City is a community of 3,779 people in St. Lucie County, Florida. Homes have a median value of $397,100 against household income of $117,720; January lows average 53°F.

    3,779 people · St. Lucie County · median home $397,100 · income $117,720 · Jan low 53°F · 0 in snow

    Full White City, Florida profile: weather, storms, schools, jobs →

    White City: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement67th pctMild winters71th pctAffordability85th pct
    Percentile vs Florida towns on each part of this ranking.
  11. 2Balm, Florida

    Retirement: 84th percentile · January average low (°F): 50th percentile · Home value ÷ income: 91st percentile

    Balm is a community of 6,541 people in Hillsborough County, Florida. Homes have a median value of $345,300 against household income of $114,659; January lows average 51°F.

    6,541 people · Hillsborough County · median home $345,300 · income $114,659 · Jan low 51°F · 0 in snow

    Full Balm, Florida profile: weather, storms, schools, jobs →

    Balm: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement84th pctMild winters50th pctAffordability91th pct
    Percentile vs Florida towns on each part of this ranking.
  12. 1Hypoluxo, Florida

    Retirement: 73rd percentile · January average low (°F): 86th percentile · Home value ÷ income: 77th percentile

    Hypoluxo is a town of 2,687 people in Palm Beach County, Florida. Homes have a median value of $290,900 against household income of $78,214; January lows average 58°F.

    2,687 people · Palm Beach County · median home $290,900 · income $78,214 · Jan low 58°F · 0 in snow

    Full Hypoluxo, Florida profile: weather, storms, schools, jobs →

    Hypoluxo: The 12 Best Affordable Small Towns to Retire in Florida With Mild Winters scoresRetirement73th pctMild winters86th pctAffordability77th pct
    Percentile vs Florida towns on each part of this ranking.

Price vs ranking

Median home value vs ranking, Florida towns0255075100$31K$262K$494K$726K$957KMedian home valuePercentile
Orange squares are the 12 towns on this list; green dots are other towns on The Town Files in Florida.

More Florida rankings

Same ranking, other places

Methodology. We ranked 291 towns of 500–10,000 people in Florida (2020 Census population). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: