This Quiet Coastal Florida Community Is Among The Most Affordable Places To Retire Year After Year

Sunny South Florida most likely isn't the first place that comes to mind when you think of affordability. You might think of Miami — one of America's best cities for nightlife — with flashy price tags at VIP tables, or perhaps visitor-approved beaches for snorkeling with sky-high rental fees. While those both exist in the area, so do neighborhoods where retirees can enjoy the perks of Sunshine State-living without the steep costs. One standout? Port St. Lucie, a serene coastal city that ranks as one of the most affordable places to retire in the U.S., according to U.S. News & World Report.

Located just a 45-minute drive north of West Palm Beach, Port St. Lucie boasts a relaxed lifestyle with easy access to both natural beauty and upscale amenities. For retirees, it strikes a rare balance: peaceful, budget-friendly, and close enough to larger cities without the hustle. The average home value in Port St. Lucie ($394,513) is just above the average in America ($367,711), per Zillow. This combination of affordability and quality of life makes Port St. Lucie an increasingly popular choice for retirees looking to stretch their dollars while enjoying the best of coastal Florida living.

Money Magazine named Port St. Lucie one of the 50 best places to live in the U.S., and it's largely because of its ability to maintain a booming local economy while remaining less congested than other South Florida cities like Miami and Fort Lauderdale. This balance allows homebuyers and retirees to find quality housing options at more attainable prices. The city offers a wide range of housing options, including single-family homes, townhomes, and condominiums, to suit various lifestyle preferences. Residents can enjoy proximity to coastal areas like Jensen Beach or Stuart and relish in beautiful shorelines and outdoor activities, all while still benefiting from the city's affordable living and peaceful suburban atmosphere. 

Another important factor is the cost of ownership. Property taxes and homeowners' insurance rates in Port St. Lucie tend to be lower than in many other parts of Florida, helping to reduce ongoing expenses.

Local government policies also emphasize sustainable development, preserving green spaces, and avoiding overcrowding. This thoughtful approach helps keep infrastructure costs manageable and ensures a high quality of life without the inflated prices often seen in more densely populated cities. For retirees, that means an affordable yet comfortable place to call home.

Port St. Lucie offers retirees a laid-back, slower-paced lifestyle with ocean blues nearby and sunny weather nearly year-round. What's not to like? Often referred to as the "Jewel of the Treasure Coast" the city is known for its stunning natural beauty, featuring miles of scenic trails along the St. Lucie River and the nearby Atlantic coast. Residents enjoy walking, biking, fishing, and golfing. Golf enthusiasts, in particular, are drawn to the area. Port St. Lucie is home to several top-rated courses, including the renowned PGA Village, which features multiple championship courses and training facilities.

Nature lovers will appreciate the numerous parks, preserves, and wildlife refuges, such as the Savannas Preserve State Park, which offers peaceful retreats and opportunities for birdwatching and hiking. With its blend of affordable coastal living, active lifestyle options, and strong community spirit, Port St. Lucie stands out as a retiree's paradise, a place where relaxation and recreation come naturally.

Want to learn about other affordable places to retire in Florida? Check out this welcoming Florida community among the best places to retire in 2025 with little to no savings.