An often overlooked town in Florida that is so affordable, retirees can comfortably live on Social Security alone, is Arcadia. Located in DeSoto County, this charming small town offers a peaceful lifestyle with a cost of living significantly below the national average, making it an ideal choice for seniors seeking financial ease and community warmth.
Discovering Arcadia, Florida
Arcadia is situated in the heart of Florida’s Peace River region, about an hour east of the popular Sarasota beaches. Known for its small-town charm and friendly residents, Arcadia combines a slower pace of life with modern conveniences and recreational opportunities that appeal to retirees and families alike.
Why Arcadia Is So Affordable
One of the biggest draws of Arcadia is its affordability. The average rent is just around $736 per month, and home prices average about $239,267, which means fixed-income residents, including those on Social Security, can comfortably manage housing costs here. Additionally, the overall cost of living in Arcadia is estimated to be about 10% below the national average, aided by low property taxes and reasonable daily expenses.
Lifestyle and Community
Arcadia’s community atmosphere is warm and inviting. The town’s roots in agriculture and rodeo culture create a unique cultural fabric highlighted by annual events like the DeSoto County Fair and rodeo competitions that attract visitors and locals. The downtown area is quaint and walkable, hosting antique shops, diners, and local businesses that support a relaxed lifestyle.
Outdoor and Recreational Activities
Nature lovers will appreciate the town’s proximity to the Peace River, a popular spot for kayaking, fishing, and boating. Nearby hiking trails and parks provide easy access for outdoor enthusiasts, offering a refreshing contrast to busier metropolitan areas. The mild Florida climate makes spending time outdoors pleasurable year-round.
Location Details
Arcadia is located in Southwest Florida, offering a strategic balance between peaceful rural living and access to urban amenities in Sarasota and Fort Myers, both roughly an hour’s drive away. This location makes it feasible to enjoy small-town serenity while still being close to beaches, shopping, and healthcare services.
Why Retirees Choose Arcadia
For retirees aiming to live comfortably on Social Security, Arcadia presents an appealing option. Affordable housing, low cost of living, and a supportive community are key factors, alongside a welcoming environment with plenty of natural beauty and small-town charm. It offers a promising quality of life without breaking the bank.
Arcadia, Florida, stands out in 2025 as an affordable, overlooked town where Social Security income stretches far, allowing residents to enjoy a comfortable, stress-free retirement. Its combination of economic value, cultural richness, and access to nature makes it a hidden gem for seniors planning to slow down and enjoy life under the Florida sun.
Sources
(https://everafterinthewoods.com/incredibly-affordable-towns-in-florida-that-you-can-live-in-on-social-security-alone/)
(https://www.clickorlando.com/news/local/2025/04/15/report-here-are-9-florida-cities-where-you-can-live-off-social-security-alone/)
(https://www.worldatlas.com/cities/9-of-the-most-overlooked-towns-in-florida-2025.html)
(https://www.treasurecoastmlssearch.com/blog/discover-10-cheapest-cities-live-florida-2025/)
