The Best Coastal Small Town In Florida Has A Surprisingly Low Cost Of Living

When people think of Florida's coastal towns, images of high-rise condos, packed beaches, and inflated cost of living come to mind. But, tucked between Daytona Beach and Miami is a town that entirely flips the script. Nestled between the St. Lucie River and Atlantic Ocean, Stuart, Florida is one of the best coastal small towns and an underrated gem despite frequent inclusions on USA Today's Best Coastal Town rankings. Here you won't find overdeveloped real estate or rowdy spring breakers. Instead, the town is home to miles of white sand beaches, a charming downtown, and plenty of outdoor activities to keep you occupied for years.

What makes Stuart even more special is its affordability. In a state where home prices and the cost of living increase exponentially, Stuart is a rare example that reasonable living costs are still possible, making it a prime destination for retirees, families, and remote workers.

Despite its coastal location, many people find the cost of living in Stuart is surprisingly reasonable compared to many other Florida beach towns. According to the latest census data, the median household income in Stuart is $64,409, which is lower than the state average; however residents benefit from more affordable housing and other essentials, making it easier to live on less. For example, the median value of a home in Stuart is $291,300, compared to the state average of $325,000 — a difference of more than $33,000. Average rent is also comparable to the state average at $1,540 versus $1,564, but notably lower than the national average at $1,625.

Beyond housing, groceries, and utilities also cost less or align closely with the state's averages. One area where residents can save even more is transportation. With the total land area just over 7 square miles, Stuart is naturally walkable. For destinations harder to reach by foot, the Martin County Public Transit system provides services throughout the area. Overall, Stuart is an affordable town compared to other coastal cities in Florida, and its small town vibe combined with a wealth of activities and attractions only add to its charm.

While Stuart's affordability is a major draw, the town's stunning waterfront, vibrant outdoor scene, and abundance of places to explore and enjoy truly set it apart. First and foremost, its soft, sandy beaches are great for anyone looking to relax, take in the waves aboard a jet ski or spend the day fishing along the shoreline. Move into the historic downtown and you'll enjoy chic boutiques, art galleries, and an assortment of local eateries and fine dining locations. The town also hosts community events, including farmers markets, and festivals to add to coastal small town appeal.

With a mix of affordability, walkability, and things to do, Stuart stands out from the typical Florida coastal town. Whether you're looking for an affordable place to retire or a laid-back spot to work remotely, this small coastal city offers an alternative to bigger and busier places like Miami. Its lower housing costs and reasonable cost of living make it especially desirable for those looking to enjoy coastal living without the inflated price tag.