Research / Most affordable ZIP codes
Most affordable ZIP codes in Florida
Ranked by the SkaldMaps Cost of Living Index, lowest first. 100 is about the national level; lower values indicate lower estimated costs.
How we rank lowest cost of living
The Cost of Living Index combines the local cost of everyday goods and services with the estimated cost of owning a typical listed home, including mortgage payments, property taxes, insurance, and maintenance. These measures are combined and compared with a national baseline.
100 is about the national level. Below 100, a homebuyer's money goes further; above 100, it goes less far.
It reflects homes for sale today, not what current owners pay, so it needs listing data: ZIPs without enough listings are not ranked. It does not include income, so a low index does not mean local wages cover local costs.
Only ZIPs with at least 1,000 residents are ranked, so a handful of households cannot top the list. 867 Florida ZIPs qualify.
Florida ZIP codes ranked by lowest cost of living
1ZIP 32209Jacksonville
Florida
- Cost of living index
- 73.2
- ZIP population
- ~35k
- Avg. temperature
- 70°F
- Avg. commute
- 24 min
2ZIP 32304Tallahassee
Florida
- Cost of living index
- 75.3
- ZIP population
- ~52k
- Avg. temperature
- 69°F
- Avg. commute
- 20 min
3ZIP 32254Jacksonville
Florida
- Cost of living index
- 76.0
- ZIP population
- ~14k
- Avg. temperature
- 70°F
- Avg. commute
- 25 min
4ZIP 33538Lake Panasoffkee
Florida
- Cost of living index
- 76.4
- ZIP population
- ~6k
- Avg. temperature
- 72°F
- Avg. commute
- 26 min
5ZIP 32208Jacksonville
Florida
- Cost of living index
- 77.1
- ZIP population
- ~33k
- Avg. temperature
- 70°F
- Avg. commute
- 25 min
6ZIP 32505Pensacola
Florida
- Cost of living index
- 77.4
- ZIP population
- ~28k
- Avg. temperature
- 69°F
- Avg. commute
- 24 min
| Rank | ZIP | City | County | Cost of living index |
|---|---|---|---|---|
| #7 | 32310 | Tallahassee | Leon County | 77.7 |
| #8 | 32324 | Chattahoochee | Gadsden County | 77.7 |
| #9 | 34207 | Bradenton | Manatee County | 78.0 |
| #10 | 32134 | Fort Mc Coy | Marion County | 78.3 |
| #11 | 32206 | Jacksonville | Duval County | 78.7 |
| #12 | 32535 | Century | Escambia County | 78.8 |
| #13 | 32839 | Orlando | Orange County | 79.0 |
| #14 | 33870 | Sebring | Highlands County | 79.3 |
| #15 | 32301 | Tallahassee | Leon County | 79.5 |
| #16 | 32347 | Perry | Taylor County | 79.8 |
| #17 | 32305 | Tallahassee | Leon County | 79.9 |
| #18 | 33763 | Clearwater | Pinellas County | 79.9 |
| #19 | 33907 | Fort Myers | Lee County | 80.3 |
| #20 | 32641 | Gainesville | Alachua County | 80.7 |
| #21 | 33825 | Avon Park | Highlands County | 80.7 |
| #22 | 32568 | Mc David | Escambia County | 81.1 |
| #23 | 34452 | Inverness | Citrus County | 81.2 |
| #24 | 32114 | Daytona Beach | Volusia County | 81.5 |
| #25 | 32811 | Orlando | Orange County | 81.6 |
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More Florida research
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- Florida median ZIP
- 57.6
- Middle 80% of ZIPs
- 51.4 to 65.0
ZIP codes with the shortest commutes
Ranked by mean commute
- Florida median ZIP
- 27.7 min
- Middle 80% of ZIPs
- 21.5 min to 34.6 min
Best healthcare access
Ranked by healthcare access score
- Florida median ZIP
- 96.1
- Middle 80% of ZIPs
- 87.8 to 98.9
Best broadband coverage
Ranked by households with broadband
- Florida median ZIP
- 91.9%
- Middle 80% of ZIPs
- 83.4% to 96.6%
Warmest ZIP codes
Ranked by avg. temperature
- Florida median ZIP
- 74.0°F
- Middle 80% of ZIPs
- 68.9°F to 77.7°F