Five Florida Locations Where You Can Simply Live Off of Social Security


While Social Security is a “safety net” for some retirees who have supplementary assets, it is the only source of income for others. However, depending on where you reside, it may not go very far.

In many parts of the country, the average monthly Social Security income (as of May 2022) of $1,621 is simply insufficient – but Florida offers some alternatives.

For certain people, the Sunshine State is a good place to live on a Social Security check, especially in these five towns.

Calculated the average monthly benefit for retired workers from the Social Security Administration and the average 2022 rent for a one-bedroom apartment in Florida from the U.S. Department of Housing and Urban Development to determine where you can live on your Social Security checks in Florida.

Then used Sperling’s Best to determine the cost-of-living index for each city listed, taking into account food and healthcare index ratings. also used data from the Bureau of Labor Statistics 2020 Consumer Expenditure Survey to calculate the yearly expenditure amount for groceries (“food at home”) and healthcare costs for those 65 and older, combining these costs. AreaVibes provided the livability scores.

Here are the top five places in Florida to live on Social Security alone.


  • 1 bedroom rent in 2022: $756.00
  • $1,593.23 in monthly expenses

The Villages, an adult retirement community and census-designated place in central Florida, has an elderly population of 84%.

Fortunately for them, their expenses are relatively low. Healthcare expenditures here are only $416.75 per month, while grocery costs are $420.48 per month.

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  • Rent for a one-bedroom apartment in 2022: $806.00
  • $1,615.11 in monthly expenses

In Ocala, expenditures are similarly modest, with the lowest healthcare costs on our list at $405.10. The monthly grocery bill is $404.01, which is less than the national average.

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Levy County 

  • Rent for a one-bedroom apartment in 2022: $575.00
  • $1,457.88 in monthly expenses

Levy County not only has the lowest rent on the list, but it also has a high livability score of 71. While it has the highest monthly healthcare expense on our list, $469.81, which is almost $38 more than the national average, it also has the second lowest overall monthly expenditures.

Also Read: How Many Hours Can You Work While Receiving Social Security?

Homosassa Florida

  • Rent for a one-bedroom apartment in 2022: $717.00
  • $1,551.80 in monthly expenses

Homosassa Springs also has a sizable population of people aged 65 and up (36%). These people can cover all of their monthly expenses with their Social Security income and will be relieved to learn that their monthly healthcare bills are only $408.55.

Baker County

  • Rent for a one-bedroom apartment in 2022: $617.00
  • $1,455.21 in monthly expenses

Baker County tops the list not just because it has the lowest overall expenditures, but also because it has the greatest livability score of 79.

Though the monthly rent is not the lowest on the list, the monthly healthcare and grocery prices are both less than the national average.

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