I live in a city of about 30,000 on the east coast of Florida. Roughly an hour and change southeast of Orlando and 1.5 hours north of West Palm. Depending on your idea of affordable its not bad. Housing prices have gone up insanely the last 3 years but for being 2 miles from the ocean its still somewhat cheap I guess. Bought my house for 185K 3 years ago and its worth 350K today, (also put 50K into when we bought it). My guess would be that there is cheaper areas way north of Tampa and up along bama and miss.