Top 5 Worst Places to Retire in Florida

4. Key Largo

Insider Monkey Score: 27

Key Largo is another expensive place to retire in Florida, with a cost of living index of 155.3. Living is 55% more expensive here at $46,025 a year. This is higher than the state average of $36,375. The Realtor notes that the median listing home price for the area, as of 2023, is $1.4 million, trending upwards year on year. Two-bedroom apartments cost $3,750 on average, which is more than what a social security check can afford. Key Largo, along with the Florida Keys, was at the epicenter of the infamous Hurricane Ian. Key West suffered a high impact with flooded streets and blocked roads.