If you’re planning a move to Florida and safety is a top priority, you’re not alone. Many prospective residents are drawn to the Sunshine State’s more secure cities, but how much does it actually cost to live in them? This guide breaks down what you can expect to pay to live comfortably and safely in Florida’s most secure cities, including Tavares, Lake Wales, Lady Lake, Ocala, and Daytona Beach.
Florida’s Real Estate Climate in 2025
Florida’s median home price is projected to reach $420,000 in 2025, representing a moderate increase in property values. However, several safe and charming cities across the state still offer much more affordable housing without compromising on safety or amenities.
Tavares: A Budget-Friendly Lakeside Community
Tavares, nicknamed “America’s Seaplane City,” combines waterfront charm with a reasonable cost of living. The city has a population of about 17,000 and boasts a cost of living index 10% below the national average. Homebuyers can expect average property prices around $230,000—far below the state median. With a low crime rate and abundant recreational options, Tavares is ideal for families and retirees seeking safety and affordability.
Lake Wales: One of Florida’s Most Affordable Safe Cities
Nestled in Central Florida, Lake Wales offers a cost of living index 14% below the national average. Housing is particularly affordable here, with average prices around $165,000—60% less than the Florida state median. The city of roughly 16,000 residents is known for its scenic parks and historic landmarks. Safety and affordability make it a top contender for those looking to relocate.
Lady Lake: Senior-Friendly Living with Low Crime Rates
Lady Lake is a haven for retirees and seniors. With a cost of living 8% below the national average and average home prices near $240,000, it offers excellent value. The crime rate is one of the lowest in the state, and the area is rich in amenities such as medical centers, shopping plazas, and golf courses. Its proximity to The Villages enhances its appeal to older adults seeking secure and vibrant communities.
Ocala: Affordable Living Surrounded by Nature
With a cost of living index matching the national average, Ocala still manages to provide affordable home prices at around $275,000—33% lower than Florida’s median. Known for its equestrian culture and proximity to natural reserves like Ocala National Forest, this city of 64,000 offers a balanced lifestyle. While the crime rate is slightly higher than the others on this list, it remains a popular choice for nature lovers and those seeking spacious, reasonably priced homes.
Daytona Beach: Coastal Appeal with a Trade-Off
Daytona Beach offers the perks of coastal living at a relatively modest cost. The cost of living index is 3% below the national average, and home prices hover around $300,000. Although the crime rate is higher here, many residents are drawn by the city’s vibrant beachfront, motorsports events, and entertainment venues. It’s a fit for those prioritizing lifestyle and location, with some awareness of local safety conditions.
Financial Considerations Beyond Home Prices
- Mortgage Rates: With interest rates projected to fall to about 6.3% by late 2024, financing a home may become more affordable.
- Renting Options: Many of these cities offer low rental prices. For instance, monthly rent in Lady Lake averages around $1,000.
- Utility and Everyday Costs: In general, utility bills, groceries, and transportation costs are below national averages in these cities, further enhancing affordability.
What to Expect When Living in Florida’s Safest Cities
Living in a safe city in Florida doesn’t have to come with a high price tag. Cities like Tavares, Lake Wales, and Lady Lake offer the ideal mix of low crime, affordable housing, and quality of life. Meanwhile, Ocala and Daytona Beach present additional lifestyle advantages, even if they come with slightly higher safety trade-offs.
Whether you’re a retiree, a first-time homebuyer, or simply someone seeking a secure place to settle down, these cities provide strong value and livability. Be sure to compare your current expenses to what you might pay in one of these Florida communities, and consult with local experts to tailor your move to your lifestyle and budget.
In Summary
- Tavares: Safe, lakeside living at $230K.
- Lake Wales: Extremely affordable and family-friendly at $165K.
- Lady Lake: Low crime, senior-focused, at $240K.
- Ocala: Nature-rich and budget-friendly at $275K.
- Daytona Beach: Affordable beach access at $300K, with safety trade-offs.
Florida’s safest cities don’t just offer peace of mind—they also deliver affordability. Use this guide as a starting point to explore your options and plan your next move with confidence.
Conclusion
Living in Florida’s safest cities offers an appealing balance of low crime rates and affordable costs. Whether you’re drawn to lakeside views in Tavares, the charming affordability of Lake Wales, or the senior-friendly vibe of Lady Lake, there’s a city that fits both your lifestyle and budget. Even in areas like Ocala and Daytona Beach, which may come with trade-offs, the overall value remains high. With property prices well below the state median and living expenses under national averages, these cities make safety and financial well-being a realistic goal. Before you move, assess your personal needs and take advantage of the lower costs these cities provide.
