The Town Files

The 25 Best Quiet, Affordable Small Towns to Retire in Florida

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 Chattahoochee, FL.

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Numbers match the ranking.
The 25 Best Quiet, Affordable Small Towns to Retire in Florida1. Chattahoocheescore 902. Zellwoodscore 883. Malabarscore 864. Rainbow Lakes Estatesscore 855. Bushnellscore 846. Floral Cityscore 837. Williston Highlandsscore 838. Genevascore 839. Frostproofscore 8210. Clevelandscore 8111. Bagdadscore 7912. Woodlawn Beachscore 7913. Vamoscore 7814. Fussels Cornerscore 7815. Balmscore 7816. Umatillascore 7717. Brookridgescore 7718. Lake Panasoffkeescore 7719. Silver Springsscore 7720. Miccoscore 7521. North Brooksvillescore 7522. Monturascore 7323. Mulberryscore 7324. Nassau Village-Ratliffscore 7225. Wallacescore 72
  1. 25Wallace, Florida

    Retirement: 70th percentile · Quiet: 62nd percentile · Home value ÷ income: 85th percentile

    Wallace is a community of 3,868 people in Santa Rosa County, Florida. Homes have a median value of $400,700 against household income of $116,496; January lows average 36°F.

    3,868 people · Santa Rosa County · median home $400,700 · income $116,496 · Jan low 36°F · 0 in snow

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

    Wallace: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement70th pctQuiet62th pctAffordability85th pct
    Percentile vs Florida towns on each part of this ranking.
  2. 24Nassau Village-Ratliff, Florida

    Retirement: 68th percentile · Quiet: 84th percentile · Home value ÷ income: 65th percentile

    Nassau Village-Ratliff is a community of 5,561 people in Nassau County, Florida. Homes have a median value of $253,000 against household income of $62,417; January lows average 43°F.

    5,561 people · Nassau County · median home $253,000 · income $62,417 · Jan low 43°F · 0 in snow

    Full Nassau Village-Ratliff, Florida profile: weather, storms, schools, jobs →

    Nassau Village-Ratliff: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement68th pctQuiet84th pctAffordability65th pct
    Percentile vs Florida towns on each part of this ranking.
  3. 23Mulberry, Florida

    Retirement: 60th percentile · Quiet: 62nd percentile · Home value ÷ income: 96th percentile

    Mulberry is a city of 3,952 people in Polk County, Florida. Homes have a median value of $133,800 against household income of $57,708; January lows average 51°F.

    3,952 people · Polk County · median home $133,800 · income $57,708 · Jan low 51°F · 0 in snow

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

    Mulberry: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement60th pctQuiet62th pctAffordability96th pct
    Percentile vs Florida towns on each part of this ranking.
  4. 22Montura, Florida

    Retirement: 55th percentile · Quiet: 84th percentile · Home value ÷ income: 80th percentile

    Montura is a community of 3,343 people in Hendry County, Florida. Homes have a median value of $124,400 against household income of $34,617; January lows average 52°F.

    3,343 people · Hendry County · median home $124,400 · income $34,617 · Jan low 52°F · 0 in snow

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

    Montura: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement55th pctQuiet84th pctAffordability80th pct
    Percentile vs Florida towns on each part of this ranking.
  5. 21North Brooksville, Florida

    Retirement: 62nd percentile · Quiet: 68th percentile · Home value ÷ income: 94th percentile

    North Brooksville is a community of 3,506 people in Hernando County, Florida. Homes have a median value of $209,500 against household income of $78,458; January lows average 49°F.

    3,506 people · Hernando County · median home $209,500 · income $78,458 · Jan low 49°F · 0 in snow

    Full North Brooksville, Florida profile: weather, storms, schools, jobs →

    North Brooksville: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement62th pctQuiet68th pctAffordability94th pct
    Percentile vs Florida towns on each part of this ranking.
  6. 20Micco, Florida

    Retirement: 60th percentile · Quiet: 93rd percentile · Home value ÷ income: 73rd percentile

    Micco is a community of 9,574 people in Brevard County, Florida. Homes have a median value of $172,600 against household income of $45,794; January lows average 49°F.

    9,574 people · Brevard County · median home $172,600 · income $45,794 · Jan low 49°F · 0 in snow

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

    Micco: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement60th pctQuiet93th pctAffordability73th pct
    Percentile vs Florida towns on each part of this ranking.
  7. 19Silver Springs, Florida

    Retirement: 68th percentile · Quiet: 62nd percentile · Home value ÷ income: 100th percentile

    Silver Springs, Florida
    Photo: Victor Patel Uploaded by Shreeg88 at en.wikipedia (public domain, Wikimedia Commons)

    Silver Springs is a community of 2,844 people in Marion County, Florida. Homes have a median value of $30,800 against household income of $32,074; January lows average 46°F.

    2,844 people · Marion County · median home $30,800 · income $32,074 · Jan low 46°F · 0 in snow

    Full Silver Springs, Florida profile: weather, storms, schools, jobs →

    Silver Springs: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement68th pctQuiet62th pctAffordability100th pct
    Percentile vs Florida towns on each part of this ranking.
  8. 18Lake Panasoffkee, Florida

    Retirement: 61st percentile · Quiet: 85th percentile · Home value ÷ income: 85th percentile

    Lake Panasoffkee is a community of 4,072 people in Sumter County, Florida. Homes have a median value of $153,000 against household income of $44,531; January lows average 43°F.

    4,072 people · Sumter County · median home $153,000 · income $44,531 · Jan low 43°F · 0 in snow

    Full Lake Panasoffkee, Florida profile: weather, storms, schools, jobs →

    Lake Panasoffkee: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement61th pctQuiet85th pctAffordability85th pct
    Percentile vs Florida towns on each part of this ranking.
  9. 17Brookridge, Florida

    Retirement: 66th percentile · Quiet: 74th percentile · Home value ÷ income: 92nd percentile

    Brookridge is a community of 4,658 people in Hernando County, Florida. Homes have a median value of $156,600 against household income of $53,989; January lows average 44°F.

    4,658 people · Hernando County · median home $156,600 · income $53,989 · Jan low 44°F · 0 in snow

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

    Brookridge: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement66th pctQuiet74th pctAffordability92th pct
    Percentile vs Florida towns on each part of this ranking.
  10. 16Umatilla, Florida

    Retirement: 56th percentile · Quiet: 88th percentile · Home value ÷ income: 88th percentile

    Umatilla is a city of 3,685 people in Lake County, Florida. Homes have a median value of $227,600 against household income of $71,077; January lows average 46°F.

    3,685 people · Lake County · median home $227,600 · income $71,077 · Jan low 46°F · 0 in snow

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

    Umatilla: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement56th pctQuiet88th pctAffordability88th pct
    Percentile vs Florida towns on each part of this ranking.
  11. 15Balm, Florida

    Retirement: 84th percentile · Quiet: 58th 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 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement84th pctQuiet58th pctAffordability91th pct
    Percentile vs Florida towns on each part of this ranking.
  12. 14Fussels Corner, Florida

    Retirement: 54th percentile · Quiet: 81st 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 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement54th pctQuiet81th pctAffordability99th pct
    Percentile vs Florida towns on each part of this ranking.
  13. 13Vamo, Florida

    Retirement: 97th percentile · Quiet: 73rd 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 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement97th pctQuiet73th pctAffordability65th pct
    Percentile vs Florida towns on each part of this ranking.
  14. 12Woodlawn Beach, Florida

    Retirement: 79th percentile · Quiet: 72nd percentile · Home value ÷ income: 86th percentile

    Woodlawn Beach is a community of 2,741 people in Santa Rosa County, Florida. Homes have a median value of $403,900 against household income of $123,355; January lows average 41°F.

    2,741 people · Santa Rosa County · median home $403,900 · income $123,355 · Jan low 41°F · 0 in snow

    Full Woodlawn Beach, Florida profile: weather, storms, schools, jobs →

    Woodlawn Beach: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement79th pctQuiet72th pctAffordability86th pct
    Percentile vs Florida towns on each part of this ranking.
  15. 11Bagdad, Florida

    Retirement: 64th percentile · Quiet: 79th percentile · Home value ÷ income: 94th percentile

    Bagdad is a community of 4,467 people in Santa Rosa County, Florida. Homes have a median value of $227,900 against household income of $82,034; January lows average 41°F.

    4,467 people · Santa Rosa County · median home $227,900 · income $82,034 · Jan low 41°F · 0 in snow

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

    Bagdad: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement64th pctQuiet79th pctAffordability94th pct
    Percentile vs Florida towns on each part of this ranking.
  16. 10Cleveland, Florida

    Retirement: 88th percentile · Quiet: 81st percentile · Home value ÷ income: 73rd percentile

    Cleveland is a community of 3,435 people in Charlotte County, Florida. Homes have a median value of $177,800 against household income of $47,157; January lows average 51°F.

    3,435 people · Charlotte County · median home $177,800 · income $47,157 · Jan low 51°F · 0 in snow

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

    Cleveland: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement88th pctQuiet81th pctAffordability73th pct
    Percentile vs Florida towns on each part of this ranking.
  17. 9Frostproof, Florida

    Retirement: 80th percentile · Quiet: 86th percentile · Home value ÷ income: 80th percentile

    Frostproof is a city of 2,877 people in Polk County, Florida. Homes have a median value of $150,500 against household income of $42,000; January lows average 49°F.

    2,877 people · Polk County · median home $150,500 · income $42,000 · Jan low 49°F · 0 in snow

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

    Frostproof: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement80th pctQuiet86th pctAffordability80th pct
    Percentile vs Florida towns on each part of this ranking.
  18. 8Geneva, Florida

    Retirement: 85th percentile · Quiet: 93rd percentile · Home value ÷ income: 70th percentile

    Geneva is a community of 2,913 people in Seminole County, Florida. Homes have a median value of $520,400 against household income of $132,981; January lows average 50°F.

    2,913 people · Seminole County · median home $520,400 · income $132,981 · Jan low 50°F · 0 in snow

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

    Geneva: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement85th pctQuiet93th pctAffordability70th pct
    Percentile vs Florida towns on each part of this ranking.
  19. 7Williston Highlands, Florida

    Retirement: 69th percentile · Quiet: 87th percentile · Home value ÷ income: 92nd percentile

    Williston Highlands is a community of 2,591 people in Levy County, Florida. Homes have a median value of $228,400 against household income of $79,662; January lows average 44°F.

    2,591 people · Levy County · median home $228,400 · income $79,662 · Jan low 44°F · 0 in snow

    Full Williston Highlands, Florida profile: weather, storms, schools, jobs →

    Williston Highlands: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement69th pctQuiet87th pctAffordability92th pct
    Percentile vs Florida towns on each part of this ranking.
  20. 6Floral City, Florida

    Retirement: 74th percentile · Quiet: 97th percentile · Home value ÷ income: 77th percentile

    Floral City is a community of 5,261 people in Citrus County, Florida. Homes have a median value of $232,000 against household income of $62,025; January lows average 43°F.

    5,261 people · Citrus County · median home $232,000 · income $62,025 · Jan low 43°F · 0 in snow

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

    Floral City: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement74th pctQuiet97th pctAffordability77th pct
    Percentile vs Florida towns on each part of this ranking.
  21. 5Bushnell, Florida

    Retirement: 72nd percentile · Quiet: 80th percentile · Home value ÷ income: 99th percentile

    Bushnell is a city of 3,047 people in Sumter County, Florida. Homes have a median value of $67,600 against household income of $52,717; January lows average 43°F.

    3,047 people · Sumter County · median home $67,600 · income $52,717 · Jan low 43°F · 0 in snow

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

    Bushnell: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement72th pctQuiet80th pctAffordability99th pct
    Percentile vs Florida towns on each part of this ranking.
  22. 4Rainbow Lakes Estates, Florida

    Retirement: 72nd percentile · Quiet: 94th percentile · Home value ÷ income: 88th percentile

    Rainbow Lakes Estates is a community of 3,438 people in Marion County, Florida. Homes have a median value of $160,400 against household income of $50,429; January lows average 44°F.

    3,438 people · Marion County · median home $160,400 · income $50,429 · Jan low 44°F

    Full Rainbow Lakes Estates, Florida profile: weather, storms, schools, jobs →

    Rainbow Lakes Estates: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement72th pctQuiet94th pctAffordability88th pct
    Percentile vs Florida towns on each part of this ranking.
  23. 3Malabar, Florida

    Retirement: 84th percentile · Quiet: 93rd percentile · Home value ÷ income: 82nd percentile

    Malabar is a town of 2,949 people in Brevard County, Florida. Homes have a median value of $451,100 against household income of $128,698; January lows average 49°F.

    2,949 people · Brevard County · median home $451,100 · income $128,698 · Jan low 49°F · 0 in snow

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

    Malabar: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement84th pctQuiet93th pctAffordability82th pct
    Percentile vs Florida towns on each part of this ranking.
  24. 2Zellwood, Florida

    Retirement: 73rd percentile · Quiet: 96th percentile · Home value ÷ income: 95th percentile

    Zellwood is a community of 2,758 people in Orange County, Florida. Homes have a median value of $184,000 against household income of $70,278; January lows average 44°F.

    2,758 people · Orange County · median home $184,000 · income $70,278 · Jan low 44°F · 0 in snow

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

    Zellwood: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement73th pctQuiet96th pctAffordability95th pct
    Percentile vs Florida towns on each part of this ranking.
  25. 1Chattahoochee, Florida

    Retirement: 82nd percentile · Quiet: 90th percentile · Home value ÷ income: 98th percentile

    Chattahoochee is a city of 2,955 people in Gadsden County, Florida. Homes have a median value of $101,700 against household income of $51,964; January lows average 40°F.

    2,955 people · Gadsden County · median home $101,700 · income $51,964 · Jan low 40°F

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

    Chattahoochee: The 25 Best Quiet, Affordable Small Towns to Retire in Florida scoresRetirement82th pctQuiet90th pctAffordability98th 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 25 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: