20 Florida Cities Ranked by How Affordable They Are in 2026

Somewhere in Florida, the mortgage math still works.

But the cities where it works aren’t the names anyone would guess.

These are the top most affordable Florida cities in 2026.

Note: This is general information, not financial advice. Prices and rates shift, so confirm the details with a professional before acting.

How These Rankings Work

The ranking below comes from Redfin Real Estate, which ranked Florida cities by payment-to-income ratio, averaged from January through October 2025.

Payment-to-income ratio is the slice of a household’s earnings the monthly house payment takes: A family making $80,000 a year that pays $2,000 a month puts 30% of its income into their house, right at the line housing experts call affordable.

The lower the ratio, the further a paycheck stretches.

So, the city at number 1 is the most affordable.

Stacker distributed the ranking in December 2025, and every figure in this article comes from that Redfin data.

1. Deltona

Deltona tops the list, with the typical house payment eating 31.5% of the median household income.

Homes sold for a median of $299,707, one of the few medians left under $300,000 within commuting range of Orlando.

Lakes and pines fill the gaps between subdivisions, and Daytona’s sand sits half an hour east.

2. Riverview

The Tampa suburbs claim the second spot.

Riverview’s $400,928 median price looks steep until you see the $95,442 median income behind it.

Affordability is a ratio, not a sticker price, and Riverview’s works out to 32.2%.

3. North Port

North Port stretches across old platted lots between Sarasota and Fort Myers.

Its 32.9% payment share makes it the Gulf Coast’s best bargain on this list, with the median home changing hands at $351,877.

Warm Mineral Springs bubbles away on the city’s edge.

4. Wesley Chapel

Wesley Chapel is what Pasco County looks like when it grows up fast: New schools, new malls, new everything.

The $485,315 median price rides on a median income above $107,000.

That combination lands the payment share at a manageable 34.7%.

5. Pensacola

Pensacola anchors the Panhandle with Navy jets overhead and white sand ten minutes away.

The median sale price of $330,032 keeps the ratio at 34.8%.

Few Florida beach cities let a $72,699 median income carry the mortgage this comfortably.

6. Apopka

Apopka grew up on greenhouses and ferns northwest of Orlando.

Buyers now pay a median of $445,685, and the $95,703 median income keeps the share at 35.7%.

Wekiwa Springs sits close enough for a before-breakfast swim.

7. Palm Bay

Palm Bay puts you on the Space Coast for a median of $326,584.

The payment share runs 37.1% on a $67,521 median income.

Rocket launches from Cape Canaveral rattle the windows at no extra charge.

8. Spring Hill

Spring Hill delivers a $323,217 median price about an hour north of Tampa.

Retirees and commuters split the subdivisions, and the ratio lands at 37.2%.

The mermaids of Weeki Wachee perform one town over.

9. Palm Coast

Palm Coast strings its neighborhoods along saltwater canals between St. Augustine and Daytona Beach.

The median sale price came in at $350,158, for a 37.3% payment share.

Trails, canals, and a median income near $72,000 do the rest.

10. Cape Coral

Cape Coral was dredged into existence canal by canal, and boats still park behind the houses.

A median price of $372,989 puts the ratio at 37.6%.

For Gulf access at that number, locals tolerate the bridge traffic.

11. Alafaya

Alafaya hugs the University of Central Florida’s side of Orlando.

Its $486,273 median sale price runs second highest on the list, but a $98,289 median income holds the share to 37.9%.

Game-day traffic comes with the deal.

12. Brandon

Brandon has been Tampa’s spillover valve for decades.

The median home sold for $385,866, and the payment share sits at 38.4%.

You’re 20 minutes from downtown Tampa without paying downtown prices.

13. Port Orange

Port Orange tucks in south of Daytona Beach with a median price of $349,662.

The ratio comes out at 38.8%.

Manatees drift up Spruce Creek without checking a single property value.

14. Melbourne

Melbourne splits the difference between beach town and tech town, with aerospace payrolls up the road.

A $327,799 median price meets a $64,504 median income, working out to 38.9%.

The Indian River Lagoon glitters between you and the ocean.

15. Lakeland

Lakeland sits dead center between Tampa and Orlando, with swans on the lakes and Publix headquarters in town.

The $317,385 median sale price ranks among the lowest here.

A $60,947 median income pushes the share to 39.9%, which explains the mid-list rank despite the friendly price.

16. Port St. Lucie

Port St. Lucie boomed on the Treasure Coast, and prices followed: The median hit $415,485.

The payment share stands at 40.7%.

Mets fans get spring training thrown in.

17. Horizon West

Horizon West is Orlando’s master-planned frontier next door to Disney.

The $667,545 median price towers over everything else on the list, yet a $123,586 median income keeps the ratio at 41.4%.

Affordability follows paychecks, not price tags.

18. St. Cloud

St. Cloud keeps a small-town main street on East Lake Toho while subdivisions multiply behind it.

The median sale price reached $415,785.

That works out to a 41.8% slice of the median income.

19. Pinellas Park

Pinellas Park sits mid-county between St. Petersburg and Clearwater.

A median price of $344,075 meets a $62,043 income for a 42.5% ratio.

The beaches run a straight shot west on Park Boulevard.

20. St. Petersburg

St. Petersburg closes the list at a 43.8% payment share.

The $418,036 median sale price reflects a downtown that filled up with murals, breweries, and new towers.