10 Best Places to Retire in Florida On The Water

10. Monroe

Score: 3

Median house price: $402,700

Millage rate: 10,21

Cost of living index: 144.6

Water out of total area: 73.7%

Last on our list is Monroe. This is a great place to live, and it’s actually the county with the most water coverage, namely 73.7 percent. Since this is the largest county in Florida by total area, that means there is quite a bit of water to enjoy. The place is home to over 73,000 people, most of which live in the Florida Keys, an island chain. Other areas are pretty much uninhabited, such as the Cape Sable Census County Division, which covers nearly 87 percent of Monroe’s land area, but doesn’t even hold 1 percent of its population.

While Monroe is great in some aspects, it’s ridiculous in others. For instance, the medium home price in the area is around $400,000 and we’re not even kidding. Taxes alone for a home of such value would rise to over $4,100, which is more than double than the taxes our number one county on this list has.

The cost of living in Monroe is also off the charts, the index being 144,6 with 100 being the national average. This means that everything is a lot more expensive here so you’d have to have quite a bit of money every month for your daily necessities.

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