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Many individuals aspire to reside in a picturesque vacation locale, yet the realities of high housing costs and anticipated property taxes can often dampen those dreams. However, if one is open to embracing a quaint rural lifestyle, affordable housing options in popular travel destinations may be closer than you think.
According to the U.S. Census Bureau, Florida is experiencing substantial population growth, marking it as the fastest-growing state in the United States for the first time in over sixty years. This surge can be attributed to the favorable climate, absence of state income tax, and abundant water accessibility.
Additionally, Florida offers proximity to vibrant urban hubs like Miami Beach and Orlando, which are renowned for their stunning beaches and world-class entertainment options. For those contemplating a move to Florida, here are some of the most affordable locations within the state.
Affordable Living Options in Florida
After assessing property tax rates across the various counties in Florida, it becomes evident that rural regions tend to provide more economical living conditions than their urban counterparts. If the idea of enjoying historical landmarks, state parks, and natural springs appeals to you—and commuting occasionally for entertainment is acceptable—consider these affordable places to live in Florida.
Note: This analysis utilizes 2025 data from the Tax Foundation in conjunction with the U.S. Census Bureau to identify Florida’s most affordable counties for living.
Madison County
Median Property Tax Bill: $928
Median Home Price: $105,900
Housing options in Madison County are quite affordable, with the median home price slightly above $100,000. The property tax bill is also reasonable, averaging less than $1,000, significantly lower than in neighboring counties like Brooks, where taxes can reach approximately $1,500, as reported by the Tax Foundation. Madison provides a community-centric atmosphere paired with annual events such as fairs and rodeos. Outdoor enthusiasts will enjoy nearby natural landmarks, including Madison Blue Spring State Park, celebrated for its crystal-clear waters perfect for swimming and cave diving.
Gadsden County
Median Property Tax Bill: $854
Median Home Price: $154,700
Located in the Florida panhandle, Gadsden County is home to approximately 44,000 residents, according to census data from five years ago. Although the median home price sits at $154,700, the relatively low property tax bill of around $854 offers financial relief. Gadsden is known for the scenic Lake Talquin State Forest Park, a haven for activities like fishing, hiking, and boating, appealing to those who appreciate a slower-paced lifestyle with affordable home options.
Lafayette County
Median Property Tax Bill: $850
Median Home Price: $131,600
Lafayette County offers homes at a median price of about $131,600, with property tax bills averaging $850. Notably, Lafayette also has unique regulations as a “prohibition county,” which limits the types of alcoholic beverages that can be sold. Despite this, the area boasts various attractions, including state parks and nature preserves. The Suwannee River Campground is particularly pet-friendly, with multiple dog parks and expansive trail access.
Hamilton County
Median Property Tax Bill: $806
Median Home Price: $110,400
Named after Alexander Hamilton, this county boasts affordable housing with a median price of $110,400. The property tax bill is also reasonable, around $806, according to recent data from the Tax Foundation. Hamilton County is rich in history, offering attractions like the Stephen Foster Folk Culture Center, which honors the author of Florida’s state song. Residents can even partake in the annual Florida Folk Festival, showcasing over 300 performances and cultural demonstrations.
Washington County
Median Property Tax Bill: $787
Median Home Price: $156,000
Washington County features the highest median home price on this list at $156,000, but property taxes are relatively low, estimated to be just below $800. This is attributable to the area’s effective property tax rate of only 0.50%, much lower than the national average. Outdoor madness awaits those who enjoy off-roading in local parks and boating at places like the Holmes Creek Canoe Livery or the Orange Hill Gator Farm.
Calhoun County
Median Property Tax Bill: $743
Median Home Price: $134,000
In Calhoun County, homes are reasonably priced at around $134,000, with property taxes averaging less than $750. The county is noted for being one of the least populated in Florida, adding to its quiet appeal. Those seeking outdoor activities can take advantage of the numerous recreational opportunities on the Apalachicola River or enjoy the sandy beaches and rapids along the Chipola River.
Taylor County
Median Property Tax Bill: $724
Median Home Price: $100,200
Recognized as the “Tree Capital of the South,” Taylor County owes its affordable housing market, with median prices around just over $100,000, to its burgeoning timber industry. Property tax bills are also relatively low, averaging about $720 annually. The county hosts cultural events like the Florida Forest Festival, which features a wide array of festivities including family-friendly activities, food, and entertainment options.
Dixie County
Median Property Tax Bill: $715
Median Home Price: $96,900
Dixie County, located within Florida’s “Big Bend” region, offers a tranquil lifestyle, with median home prices slightly above $96,000 and property tax bills around $700. This area is ideal for those who appreciate a more rustic setting, featuring farms, wildlife areas, and pristine natural springs. For those craving a peaceful retreat with affordable options, Dixie may be the perfect fit.
Jackson County
Median Property Tax Bill: $625
Median Home Price: $113,900
Jackson County boasts competitively priced homes averaging just under $114,000, alongside even lower property tax bills, averaging around $625 annually. This makes Jackson an attractive option for those seeking budget-friendly living conditions. Outdoor enthusiasts will find plenty of adventures, including exploring the caves at Florida Caverns State Park, as well as opportunities for swimming and fishing at numerous local springs.
Holmes County
Median Property Tax Bill: $527
Median Home Price: $101,400
According to the Tax Foundation, Holmes County is the most affordable area in Florida, featuring a remarkably low median property tax bill of $527 and home prices around $101,000. This county is not just low-cost; it also has a rich cultural heritage highlighted by events like the annual Northwest Florida Championship Rodeo. Cultural landmarks, such as the historic Waits Mansion and the Ponce de Leon Springs State Park, highlight the area’s connection to history and nature.
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