12 Epic Locations to Live in Florida for Starting a New Life

Anyone who tells you Florida is just retirement communities and tourist traps hasn’t really been here. When I explored the state beyond the theme parks, I discovered something wild: actual communities where people live their best lives. Take St. Petersburg, where the waterfront downtown feels alive with local markets, art festivals, and people who genuinely love calling this place home.

After checking out the best places in Florida to live, I get why people keep moving here (and not just for the tax breaks). From Winter Park’s oak-lined streets packed with amazing restaurants to Sarasota’s white sand beaches and legit arts scene, this state surprised me at every turn. Ready to discover where Florida really shines beyond the postcards? These 12 spots will show you exactly what I mean.

Most Amazing Places to Live in Florida       

Looking for places to live in Florida? Explore Cape Coral, a waterfront paradise with scenic canals and a laid-back lifestyle. Consider Fort Myers, known for its beautiful beaches, historic charm, and growing economy. Experience Jacksonville, Florida’s largest city, offering diverse neighborhoods and a thriving job market. Discover Miami, a vibrant city with world-class entertainment, cultural diversity, and stunning coastal views. Whether you’re seeking waterfront living, career opportunities, or a lively atmosphere, these are some of the best places to live in Florida.

• Best for boating and water sports: Cape Coral
• Best for retirees: Fort Myers
• Best for outdoor activities: Jacksonville
• Best for urban living: Miami
• Best for luxury and leisure: Naples
• Best for family-friendly attractions: Orlando
• Best for beach life: Pensacola
• Best for a growing economy: Port St. Lucie
• Best for arts and culture: Sarasota
• Best for arts and waterfront living: St. Petersburg
• Best for government and history: Tallahassee
• Best for vibrant city life: Tampa

1. Cape Coral

Nicknamed the “Waterfront Wonderland,” Cape Coral is a dream for boaters and outdoor lovers. With over 400 miles of canals—more than Venice, Italy—it’s a paradise for kayaking, paddleboarding, and waterfront living. The city’s proximity to the Gulf of Mexico means easy access to world-class fishing and pristine beaches.

Nature lovers can explore the Four Mile Cove Ecological Preserve, while families enjoy Sun Splash Family Waterpark for a fun day in the sun. Shopping and dining thrive at Cape Harbour and Tarpon Point Marina, offering waterfront restaurants and boutique stores.

Cape Coral also boasts affordable housing compared to other Florida coastal cities, making it a prime choice for retirees and young families alike. With a low crime rate, great schools, and endless outdoor recreation, it’s no surprise Cape Coral is one of the best places to live in Florida.

2. Fort Myers

Fort Myers blends history, nature, and coastal charm into one irresistible package. Known as the “City of Palms,” it’s home to the stunning McGregor Boulevard, lined with majestic royal palms planted by Thomas Edison himself.

History buffs can tour the Edison and Ford Winter Estates, while beach lovers head to Fort Myers Beach, Sanibel, and Captiva Islands for some of the best shelling in the world. The River District offers vibrant nightlife, top-tier dining, and a thriving arts scene.

Fort Myers is also a haven for outdoor enthusiasts, with Lakes Park, Six Mile Cypress Slough Preserve, and plenty of golf courses. Its low cost of living, strong job market, and year-round sunshine make it ideal for retirees and young professionals alike. Whether you’re seeking adventure or relaxation, Fort Myers offers the best of both worlds.

3. Jacksonville

The largest city by land area in the U.S., Jacksonville (or “Jax” as locals call it) offers a mix of city life, coastal living, and outdoor adventure. With 22 miles of beaches, top-rated golf courses, and the scenic St. Johns River, it’s a dream for nature lovers.

Downtown Jacksonville boasts the Riverside Arts Market, live music venues, and a growing food scene, with hotspots like The Bearded Pig serving up some of Florida’s best BBQ. Sports fans will love cheering on the Jacksonville Jaguars or attending the annual Florida-Georgia football rivalry.

For families, Jacksonville has highly rated schools and a lower cost of living compared to Miami or Tampa. Whether you prefer the beachy vibes of Atlantic Beach, the suburban feel of Mandarin, or the urban energy of Downtown Jax, there’s a neighborhood for every lifestyle.

4. Miami

Ah, Miami. A cultural powerhouse where tropical vibes meet city glamour, Miami is one of Florida’s most electrifying places to live. From the neon-lit Art Deco buildings of South Beach to the rhythmic beats of Little Havana, this city pulses with energy day and night.

Miami is a hub for finance, tech, and international business, drawing professionals from all over the world. The city’s oceanfront lifestyle means weekends spent at Crandon Park, snorkeling in Biscayne National Park, or strolling the luxurious shops at Bal Harbour. Sports fans can catch a Miami Heat game, while art lovers explore the world-renowned Wynwood Walls.

Foodies are spoiled for choice, with everything from authentic Cuban sandwiches at Versailles to Michelin-starred dining in Brickell. Though Miami’s cost of living is high, its vibrant culture, career opportunities, and unbeatable weather make it one of Florida’s most desirable places to call home.

5. Naples

For those who love luxury, leisure, and laid-back coastal living, Naples is the epitome of South Florida elegance. This Gulf Coast city boasts white-sand beaches, world-class golf courses, and an upscale dining and shopping scene at Fifth Avenue South and Mercato.

Beyond its glamorous lifestyle, Naples offers top-rated schools and a low crime rate, making it an ideal place for families and retirees alike. Outdoor lovers can explore Delnor-Wiggins Pass State Park, go dolphin-watching, or kayak through Rookery Bay.

Naples is also known as the “Golf Capital of the World”, with over 90 championship courses. While the cost of living is high, residents enjoy pristine beaches, top-tier healthcare, and a slower pace of life. Whether you’re enjoying a beachfront sunset or fine dining on fresh seafood, Naples is a dream location for those seeking sophistication and serenity.

6. Orlando

While Orlando is best known for Walt Disney World and Universal Studios, this fast-growing metropolis offers so much more than theme parks. It’s a major tech, healthcare, and education hub, home to UCF, one of the largest universities in the U.S.

Outdoor lovers can kayak in Wekiwa Springs, bike along the West Orange Trail, or explore Lake Eola Park in downtown Orlando. The city’s cultural scene is thriving, with the Dr. Phillips Center for the Performing Arts and an array of museums.

Orlando’s booming job market, diverse food scene, and vibrant nightlife make it appealing to young professionals and families. Plus, no state income tax means more money for enjoying all that Orlando’s entertainment scene has to offer. Whether you love roller coasters or craft cocktails, this city blends fun and opportunity like nowhere else in Florida.

7. Pensacola

A hidden Gulf Coast gem, Pensacola offers historic charm, sugar-white beaches, and a laid-back coastal vibe. Known as the “Cradle of Naval Aviation,” the city is home to Naval Air Station Pensacola and the Blue Angels, who put on dazzling air shows.

Beyond its military presence, Pensacola has a thriving downtown filled with art galleries, seafood restaurants, and craft breweries. The historic Seville Quarter offers live music and a vibrant nightlife scene, while the nearby Pensacola Beach Boardwalk is perfect for waterfront dining and dolphin spotting.

Nature lovers can explore Gulf Islands National Seashore, go fishing on Pensacola Bay, or paddle through the tranquil waters of Big Lagoon State Park. With affordable housing, excellent schools, and a strong sense of community, Pensacola delivers big-city amenities with small-town charm, making it one of Florida’s best places to live.

8. Port St. Lucie

For those seeking a quiet, nature-filled retreat without sacrificing convenience, Port St. Lucie is the perfect choice. This Treasure Coast city offers a relaxed suburban feel, with access to stunning beaches, championship golf courses, and top-rated healthcare facilities.

Port St. Lucie is home to the PGA Village, a golfer’s paradise with three championship courses. If golf isn’t your thing, explore Savannas Preserve State Park, kayak along the St. Lucie River, or catch a spring training game for the New York Mets.

The cost of living here is lower than in Miami or Orlando, and the city is known for safe neighborhoods, highly rated schools, and a growing job market. Whether you’re a retiree looking for tranquility or a family wanting affordability with outdoor perks, Port St. Lucie is an underrated gem in Florida’s east coast.

9. Sarasota

A city where arts, culture, and coastal beauty collide, Sarasota is Florida’s cultural gem. Home to the iconic Ringling Museum of Art, the Sarasota Opera, and a thriving theater scene, this Gulf Coast city is a haven for creatives and beach lovers alike.

Sarasota’s Siesta Key Beach is often ranked among the best in the world, thanks to its powdery white quartz sand. Outdoor enthusiasts can kayak through Lido Key’s mangrove tunnels, explore Myakka River State Park, or stroll through the Marie Selby Botanical Gardens.

Beyond its natural beauty, Sarasota offers highly rated schools, a strong job market, and a lively food scene featuring fresh seafood and farm-to-table dining. With a perfect blend of sophistication and seaside relaxation, Sarasota attracts families, retirees, and professionals seeking a high quality of life with an artistic flair.

10. St. Petersburg

With sunshine nearly every day of the year, St. Petersburg—aka The Sunshine City—is a vibrant mix of beach life, arts, and urban energy. The city’s Central Avenue Arts District and world-famous Salvador Dalí Museum make it an art lover’s paradise.

Outdoor enthusiasts can bike the Pinellas Trail, kayak in Weedon Island Preserve, or relax on the stunning shores of St. Pete Beach. The city’s downtown waterfront, lined with trendy bars, rooftop lounges, and seafood restaurants, is one of the most exciting in Florida.

St. Pete’s cost of living is lower than Miami or Naples, making it a popular choice for young professionals, artists, and retirees. Whether you’re drawn to its booming craft beer scene, lively street festivals, or waterfront parks, St. Petersburg is a city where you can enjoy sun, culture, and coastal charm—all in one place.

11. Tallahassee

Florida’s capital city offers a unique blend of history, politics, and outdoor adventure. Home to Florida State University (FSU) and Florida A&M University, Tallahassee has a youthful energy balanced by its deep Southern charm.

Beyond politics and academics, the city is a nature lover’s dream. Tallahassee is surrounded by lush forests, scenic parks, and freshwater springs, with top spots like Alfred B. Maclay Gardens State Park and St. Marks National Wildlife Refuge. Outdoor enthusiasts can enjoy hiking, kayaking, and birdwatching, all within a short drive from downtown.

Tallahassee also boasts a low cost of living compared to other major Florida cities, making it attractive for students, professionals, and families. The city’s historic districts, lively local festivals, and expanding tech sector add to its charm. Whether you’re into history, nature, or football Saturdays at FSU, Tallahassee offers a slower pace with plenty to explore.

• Read Next: 12 Unmissable Activities in Northern Florida

12. Tampa

Last but definitely not least, Tampa is where big-city energy meets tropical vibes. This bustling coastal metropolis boasts a booming economy, fueled by healthcare, finance, and tech industries, making it one of Florida’s best cities for career growth.

Tampa is home to Ybor City, a historic Latin quarter with Cuban culture, craft breweries, and legendary nightlife. Sports lovers can cheer on the Tampa Bay Buccaneers, Lightning, or Rays, while adventure seekers can visit Busch Gardens, one of the best theme parks in Florida.

Nature lovers can soak up the sun at Clearwater Beach, kayak the Hillsborough River, or take a dolphin cruise on Tampa Bay. With low taxes, a diverse food scene, and endless entertainment, Tampa offers sunshine, success, and serious fun—securing its spot as one of the best places to live in Florida!

Frequently Asked Questions (FAQs) About the Best Places to Live in Florida     

Want to know where the best place to live in Florida is? Here are some questions that come up often regarding the best neighborhoods.

What is the best part of living in Florida?

The nice part of Florida varies depending on individual preferences, but many people are drawn to the state’s year-round warm climate and abundant sunshine.

• Cultural Diversity: Offers a rich mix of food, music, and festivals from various cultural backgrounds.

• Lifestyle Choices: From bustling urban cities like Miami to laid-back coastal towns, there’s a setting for everyone.

• No State Income Tax: A financial benefit that appeals to both working professionals and retirees.

• Outdoor Activities: Abundance of state parks, hiking trails, and water sports options.

• Quality of Life: Generally lower cost of living compared to other states, especially in terms of housing and utilities.

• Tourist Attractions: Home to world-famous attractions like Disney World, Universal Studios, and the Florida Keys.

• Proximity to Beaches: Almost every resident is within a reasonable driving distance to a beach.

• Job Opportunities: Thriving job markets in sectors like tourism, healthcare, and technology.

• Educational Options: Home to several top-rated schools and universities.

What is the best suburb to live in Florida?

Determining the “best” suburb to live in Florida can be subjective and depends on various factors such as lifestyle, family needs, and career opportunities. However, some suburbs frequently receive high marks for quality of life, schools, and amenities:

• Winter Park: Located near Orlando, it’s known for its charming downtown, excellent schools, and beautiful parks.

• Coral Gables: Near Miami, this suburb offers a Mediterranean feel, top-rated schools, and a strong sense of community.

• Naples: Known for its luxury living, beautiful beaches, and high-end shopping.

• Boca Raton: Offers a mix of suburban calm and upscale amenities, with excellent schools and beautiful beaches.

• Ponte Vedra Beach: Near Jacksonville, it’s known for its excellent schools and outdoor activities, including some of the state’s best golf courses.

• Windermere: Located in the Orlando area, it offers a family-friendly environment and is close to major attractions like Disney World.

• Palm Beach Gardens: Known for its high quality of life, including excellent shopping, dining, and golf courses.

• Sarasota: Offers a mix of cultural activities and beautiful beaches, making it popular among retirees.

• Cooper City: Located near Fort Lauderdale, it’s known for its excellent public schools and family-friendly atmosphere.

• Weston: Near Fort Lauderdale, it’s highly rated for its schools, safety, and quality of life.

Where is the nicest but cheapest place to live in Florida?

Finding a place that is both “nicest” and “cheapest” can be a bit of a balancing act, but there are several areas in Florida that offer a good mix of affordability and quality of life:

• Gainesville: Home to the University of Florida, it offers a youthful vibe and plenty of cultural activities while maintaining a lower cost of living.

• Pensacola: Known for its beautiful beaches and historic downtown, Pensacola offers a lower cost of living compared to other coastal cities in Florida.

• Ocala: Located in Central Florida, it’s known for its outdoor activities like hiking and horseback riding, and it offers affordable housing options.

• Lakeland: Situated between Tampa and Orlando, Lakeland offers a lower cost of living while still being close to larger cities’ amenities.

• Port St. Lucie: Offers affordable housing and a lower cost of living, along with access to beaches and outdoor activities.

• Daytona Beach: Known for its famous beach and motorsports, it offers a range of affordable housing options.

• Melbourne: Located on the Space Coast, it offers a mix of affordability and quality of life, with proximity to beaches and tech jobs.

• Fort Pierce: Offers affordable housing and a lower cost of living, along with access to beaches and a historic downtown.

• Lehigh Acres: Near Fort Myers, it offers affordable housing options and a quieter lifestyle.

• Kissimmee: Close to Orlando’s attractions, it offers a range of affordable housing options.

Is Florida high cost of living?

Florida offers a range of living costs, making it possible to find areas that are more budget-friendly. However, some costs like housing and utilities can be higher than the national average in certain areas.

• Varied Costs: Florida’s cost of living can vary significantly depending on the area. Cities like Miami and Naples tend to be more expensive, while smaller towns and inland cities are generally more affordable.

• Housing: Housing costs can be high in popular coastal cities but are generally more affordable in inland areas.

• No State Income Tax: Florida has no state income tax, which can offset some living costs.

• Utilities: The cost of utilities like electricity can be higher due to the hot climate, leading to increased air conditioning usage.

• Transportation: Owning a car is often necessary, especially in areas with limited public transportation, adding to living costs.

• Groceries: The cost of groceries is generally on par with the national average, although it can be higher in more remote or upscale areas.

• Healthcare: The cost of healthcare is generally close to the national average but can vary by location and provider.

• Tourist Areas: Living in tourist-heavy areas can be more expensive due to higher costs for dining, entertainment, and other services.

Is it cheaper to live in California or Florida?

Florida is generally cheaper to live in than California, especially when considering housing and state income tax.

• State Income Tax: Florida has no state income tax, while California has some of the highest state income tax rates in the U.S.

• Housing Costs: California, especially cities like San Francisco and Los Angeles, generally has much higher housing costs compared to Florida.

• Utilities: Utility costs can be high in both states but are generally more expensive in California.

• Transportation: Both states require a car for most areas, but California’s gas prices are usually higher.

• Healthcare: Both states have varying healthcare costs, but California tends to be more expensive on average.

• Groceries: The cost of groceries can be higher in California, especially in more remote or upscale areas.

• Overall Cost of Living: California generally has a higher overall cost of living compared to Florida, taking into account housing, utilities, and transportation.

What salary do you need to live comfortably in Florida?

In general, a salary of $50,000 to $70,000 might be sufficient for a single person to live comfortably in many parts of Florida, while a family might need $70,000 to $100,000 or more. However, these are general estimates and the actual amount can vary significantly based on individual circumstances.

• Location Matters: The salary needed can vary widely depending on the city or area in Florida. For example, living in Miami will generally require a higher salary than living in Pensacola.

• Housing Costs: The largest expense is usually housing. The median home price in Florida is around $300,000 as of 2022, but this can be much higher in popular cities.

• Lifestyle Choices: Your lifestyle choices, such as dining out, entertainment, and travel, will also impact the salary needed.

• Family Size: A single person might live comfortably on $50,000-$60,000 a year in some areas, while a family of four might need $70,000-$100,000 or more.

• Additional Expenses: Don’t forget to factor in costs like healthcare, transportation, and utilities, which can add up.

• Retirement and Savings: If you plan to save for retirement, emergencies, or other goals, you’ll need to factor this into your required salary.

• No State Income Tax: Florida’s lack of state income tax can make your salary go further compared to states with high income taxes.

Final Thoughts on the Best Places to Live in Florida

Florida is a state of contrasts, offering a blend of bustling cities and tranquil beach towns, each with its unique charm and lifestyle. From the vibrant arts scene in Miami to the laid-back vibes of Pensacola, there’s a corner of the Sunshine State that speaks to everyone. If you’re contemplating a move, you’ll find that Florida offers a diverse range of living options that can cater to various budgets and lifestyle preferences.

The absence of state income tax is a significant financial perk that can make your salary stretch further. However, it’s essential to weigh this against other living costs like housing, utilities, and healthcare, which can vary widely depending on your chosen locale. Whether you’re a young professional, a growing family, or looking to retire, Florida offers a multitude of options that can meet your needs without breaking the bank.

For those still on the fence, consider visiting some of the best places to live in Florida to get a feel for the communities and what they offer. Each city and town has its unique culture, amenities, and opportunities, making it crucial to find a place that aligns with your lifestyle and career goals.

So, what are you waiting for? Pack your bags and get ready to explore the diverse and vibrant communities that make Florida a great place to live in. Your dream home in the Sunshine State awaits!