1. **Ocala**: Known for its horse farms and natural beauty, Ocala offers a low cost of living and a variety of outdoor activities, including hiking and horseback riding.
2. **Lakeland**: Centrally located between Tampa and Orlando, Lakeland provides affordable housing and a lower cost of living, along with a quaint downtown and plenty of lakes and parks.
3. **Gainesville**: Home to the University of Florida, Gainesville offers a vibrant cultural scene, excellent healthcare facilities, and a relatively low cost of living.
4. **Pensacola**: Situated in the Florida Panhandle, Pensacola boasts beautiful beaches, a rich history, and affordable living expenses.
5. **Palm Bay**: Located on the east coast, Palm Bay offers affordability along with access to beautiful waterways, parks, and a growing community.
These cities provide a balance of affordability, amenities, and quality of life, making them attractive options for retirees on a budget.
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