If you’re an empty nester or planning to retire in Florida in 2026, you want a city that fits your lifestyle, budget, and interests. Florida continues to lead the country for retirees and empty nesters because of its sunny weather, no state income tax, and endless ways to enjoy life. From small towns with a relaxed pace to beach communities full of activities, there’s a place here where you can start your next chapter exactly the way you want.

Homosassa Springs

Homosassa Springs is a great spot for retirees who want a calm pace without being far from services. Many people choose single-family homes with big yards or small canal-front houses where you can fish or kayak right from your backyard. There are also affordable condos for empty nesters looking for low-maintenance living. The town has local medical offices and nearby hospitals, making healthcare easy to reach. Outdoor activities like visiting the state parks, exploring the springs, and joining small local clubs make it easy to stay active and social. Homosassa Springs consistently ranks among the top Florida retirement towns in 2026 for its combination of affordability, community, and access to nature.

Source: Zillow - Homosassa Springs, FL Housing Market


Spring Hill

Spring Hill is just north of Tampa and mixes small-town charm with city conveniences. Many retirees pick low-maintenance condos in gated communities, or single-family homes with open floor plans that make hosting family easy. The area has grocery stores, restaurants, and medical facilities close by, plus Gulf Coast beaches are just a short drive. Golf courses, walking trails, and local social clubs give empty nesters ways to stay active and meet neighbors.

Source: Zillow - Spring Hill, FL Housing Market


Palm Coast

Palm Coast on Florida’s east coast draws retirees who want an active lifestyle at a reasonable cost. Homes here include single-family houses in quiet neighborhoods, condos in communities with pools, and even some waterfront properties along canals. Retirees often take advantage of walking paths, local markets, golf, and community centers. It’s easy to stay busy and social without feeling like life is rushed, which makes Palm Coast one of the most popular Florida retirement towns in 2026.


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Naples

Naples is a favorite for retirees and empty nesters who want a mix of beaches, cultural activities, and city amenities. Homes range from condos in gated communities to single-family houses with easy access to golf courses or walking paths. Waterfront properties are popular for those who love boating or simply enjoying the Gulf Coast sunsets. The downtown area has restaurants, shops, and arts events, and healthcare is widely available nearby. While the cost of living is higher than some other cities, many retirees feel it’s worth it for the lifestyle and convenience.

Source: Zillow - Naples, FL Housing Market


Pensacola

Pensacola offers retirees an affordable way to enjoy a coastal lifestyle. You can find single-family homes in quiet neighborhoods, condos near the beach, and low-maintenance townhouses that are perfect for empty nesters. The area has hospitals and medical offices, along with community centers that host social and fitness activities. Beaches, historic districts, and local festivals give retirees plenty to do without ever feeling rushed. Pensacola provides a mix of affordability, outdoor living, and access to services, making it one of the best cities to retire in Florida in 2026.

Source: Zillow - Pensacola, FL Housing Market


Cape Coral

Cape Coral is famous for its canals and boating lifestyle, and it’s now even more attractive for retirees because home prices have dropped about 10% over the past year. Many retirees are buying waterfront homes or single-family houses in quiet neighborhoods at prices that were harder to find before. The city has plenty of walking paths, parks, and opportunities to stay active, plus social clubs and community events that make it easy to meet other empty nesters. Whether you’re looking for a low-maintenance condo or a larger home with a yard, Cape Coral has options for nearly every budget and lifestyle.

Source: Zillow - Cape Coral, FL Housing Market


Bonita Springs

Bonita Springs has a slower pace but still offers easy access to beaches, golf, and medical facilities, and retirees are taking notice because home prices here have also dropped around 10% in the last year. Single-family homes, condos, and townhouses give empty nesters choices depending on how much upkeep they want. The area has active retiree communities, with walking groups, golf leagues, and social clubs, making it easy to stay connected while enjoying a calm, outdoor-friendly lifestyle.

Source: Zillow - Bonita Springs, FL Housing Market


Port Charlotte

Port Charlotte offers a calm, relaxed lifestyle for retirees and empty nesters. Home prices here have dropped roughly 10% over the past year, making it an attractive place to buy. Many retirees choose single-family homes, townhouses, or low-maintenance condos in neighborhoods with parks, walking trails, and easy access to waterways. The area has community events and social groups, so you can stay active and connected without the busyness of a larger city.

Source: Zillow - Port Charlotte, FL Housing Market


Jacksonville

Jacksonville gives retirees the best of both worlds: city amenities and nearby beaches. Museums, restaurants, and shopping are all easy to reach, while parks and beaches provide outdoor recreation. Empty nesters can find condos, townhouses, and single-family homes in a variety of neighborhoods, many of which have seen home price drops around 10% in the last year. Retiree communities here often have clubs, fitness programs, and social activities, making it easy to stay engaged and active in your retirement years.

Source: Zillow - Jacksonville, FL Housing Market


Florida makes retirement simple. There’s no state income tax, groceries aren’t taxed, and the warm weather lets you stay active all year. Active adult communities and plenty of social opportunities mean you can enjoy retirement your way, without feeling isolated or bored.


The best city for your retirement is out there. From small towns to beach cities to active communities, Florida has a place for you to enjoy your golden years in 2026. Start browsing Florida single-family homes to start planning your next chapter in the Sunshine State.

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