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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Florida residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Florida, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Deltona, Florida
- Payment to income ratio: 31.5%
- Median sale price: $299,707
- Median household income: $72,967
- Income needed to buy: $76,534
- Median monthly mortgage payment: $1,913
- See homes for sale in Deltona on

#2. Riverview, Florida
- Payment to income ratio: 32.2%
- Median sale price: $400,928
- Median household income: $95,442
- Income needed to buy: $102,382
- Median monthly mortgage payment: $2,560
- See homes for sale in Riverview on

#3. North Port, Florida
- Payment to income ratio: 32.9%
- Median sale price: $351,877
- Median household income: $81,940
- Income needed to buy: $89,856
- Median monthly mortgage payment: $2,246
- See homes for sale in North Port on

#4. Wesley Chapel, Florida
- Payment to income ratio: 34.7%
- Median sale price: $485,315
- Median household income: $107,004
- Income needed to buy: $123,931
- Median monthly mortgage payment: $3,098
- See homes for sale in Wesley Chapel on

#5. Pensacola, Florida
- Payment to income ratio: 34.8%
- Median sale price: $330,032
- Median household income: $72,699
- Income needed to buy: $84,278
- Median monthly mortgage payment: $2,107
- See homes for sale in Pensacola on

#6. Apopka, Florida
- Payment to income ratio: 35.7%
- Median sale price: $445,685
- Median household income: $95,703
- Income needed to buy: $113,811
- Median monthly mortgage payment: $2,845
- See homes for sale in Apopka on

#7. Palm Bay, Florida
- Payment to income ratio: 37.1%
- Median sale price: $326,584
- Median household income: $67,521
- Income needed to buy: $83,397
- Median monthly mortgage payment: $2,085
- See homes for sale in Palm Bay on

#8. Spring Hill, Florida
- Payment to income ratio: 37.2%
- Median sale price: $323,217
- Median household income: $66,557
- Income needed to buy: $82,538
- Median monthly mortgage payment: $2,063
- See homes for sale in Spring Hill on

#9. Palm Coast, Florida
- Payment to income ratio: 37.3%
- Median sale price: $350,158
- Median household income: $71,840
- Income needed to buy: $89,417
- Median monthly mortgage payment: $2,235
- See homes for sale in Palm Coast on

#10. Cape Coral, Florida
- Payment to income ratio: 37.6%
- Median sale price: $372,989
- Median household income: $76,062
- Income needed to buy: $95,247
- Median monthly mortgage payment: $2,381
- See homes for sale in Cape Coral on

#11. Alafaya, Florida
- Payment to income ratio: 37.9%
- Median sale price: $486,273
- Median household income: $98,289
- Income needed to buy: $124,176
- Median monthly mortgage payment: $3,104
- See homes for sale in Alafaya on

#12. Brandon, Florida
- Payment to income ratio: 38.4%
- Median sale price: $385,866
- Median household income: $77,068
- Income needed to buy: $98,536
- Median monthly mortgage payment: $2,463
- See homes for sale in Brandon on

#13. Port Orange, Florida
- Payment to income ratio: 38.8%
- Median sale price: $349,662
- Median household income: $68,955
- Income needed to buy: $89,291
- Median monthly mortgage payment: $2,232
- See homes for sale in Port Orange on

#14. Melbourne, Florida
- Payment to income ratio: 38.9%
- Median sale price: $327,799
- Median household income: $64,504
- Income needed to buy: $83,708
- Median monthly mortgage payment: $2,093
- See homes for sale in Melbourne on

#15. Lakeland, Florida
- Payment to income ratio: 39.9%
- Median sale price: $317,385
- Median household income: $60,947
- Income needed to buy: $81,048
- Median monthly mortgage payment: $2,026
- See homes for sale in Lakeland on

#16. Port St. Lucie, Florida
- Payment to income ratio: 40.7%
- Median sale price: $415,485
- Median household income: $78,137
- Income needed to buy: $106,099
- Median monthly mortgage payment: $2,652
- See homes for sale in Port St. Lucie on

#17. Horizon West, Florida
- Payment to income ratio: 41.4%
- Median sale price: $667,545
- Median household income: $123,586
- Income needed to buy: $170,466
- Median monthly mortgage payment: $4,262
- See homes for sale in Horizon West on

#18. St. Cloud, Florida
- Payment to income ratio: 41.8%
- Median sale price: $415,785
- Median household income: $76,196
- Income needed to buy: $106,176
- Median monthly mortgage payment: $2,654
- See homes for sale in St. Cloud on

#19. Pinellas Park, Florida
- Payment to income ratio: 42.5%
- Median sale price: $344,075
- Median household income: $62,043
- Income needed to buy: $87,864
- Median monthly mortgage payment: $2,197
- See homes for sale in Pinellas Park on

#20. St. Petersburg, Florida
- Payment to income ratio: 43.8%
- Median sale price: $418,036
- Median household income: $73,118
- Income needed to buy: $106,751
- Median monthly mortgage payment: $2,669
- See homes for sale in St. Petersburg on