Florida’s no-brainer retirement spot? Maybe — but it’s not all sunshine and palm trees. Zero state income tax, senior property tax breaks, and beaches galore make it tempting. Yet, costs vary wildly: Zephyrhills is 14% cheaper than the national average, while Englewood and Venice cost 5–12% more. And don’t forget flood insurance — it can hit you with $600 to $2,000+ annually. With 20+ options from laid-back Sarasota to high-energy Miami, your dream retirement depends on your budget, weather tolerance, and whether you’re ready to pay for paradise.
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