| # | Town | Score | Typical home | Climate | Why |
|---|---|---|---|---|---|
| 1 | Sebring, FL | 100 | $231,288 | tropical | homes $231,288 — inside your $400,000 budget · tropical climate |
| 2 | Ocala, FL | 100 | $267,908 | tropical | homes $267,908 — inside your $400,000 budget · tropical climate |
| 3 | Homosassa Springs, FL | 100 | $268,692 | tropical | homes $268,692 — inside your $400,000 budget · tropical climate |
| 4 | Tallahassee, FL | 100 | $281,169 | tropical | homes $281,169 — inside your $400,000 budget · tropical climate |
| 5 | Lakeland, FL | 100 | $295,502 | tropical | homes $295,502 — inside your $400,000 budget · tropical climate |
| 6 | Gainesville, FL | 100 | $297,876 | tropical | homes $297,876 — inside your $400,000 budget · tropical climate |
| 7 | Punta Gorda, FL | 100 | $298,912 | tropical | homes $298,912 — inside your $400,000 budget · tropical climate |
| 8 | Pensacola, FL | 100 | $308,972 | tropical | homes $308,972 — inside your $400,000 budget · tropical climate |
| 9 | Deltona, FL | 100 | $330,886 | tropical | homes $330,886 — inside your $400,000 budget · tropical climate |
| 10 | Cape Coral, FL | 100 | $334,479 | tropical | homes $334,479 — inside your $400,000 budget · tropical climate |
| 11 | Palm Bay, FL | 100 | $342,339 | tropical | homes $342,339 — inside your $400,000 budget · tropical climate |
| 12 | Panama City, FL | 100 | $342,980 | tropical | homes $342,980 — inside your $400,000 budget · tropical climate |
| 13 | Jacksonville, FL | 100 | $350,574 | tropical | homes $350,574 — inside your $400,000 budget · tropical climate |
| 14 | Tampa, FL | 100 | $356,843 | tropical | homes $356,843 — inside your $400,000 budget · tropical climate |
| 15 | Sebastian, FL | 100 | $363,706 | tropical | homes $363,706 — inside your $400,000 budget · tropical climate |
| 16 | Port St. Lucie, FL | 100 | $381,493 | tropical | homes $381,493 — inside your $400,000 budget · tropical climate |
| 17 | Orlando, FL | 100 | $383,302 | tropical | homes $383,302 — inside your $400,000 budget · tropical climate |
| 18 | North Port, FL | 99.6 | $403,540 | tropical | homes $403,540 — above your $400,000 budget · tropical climate |
| 19 | Crestview, FL | 95 | $439,733 | tropical | homes $439,733 — above your $400,000 budget · tropical climate |
| 20 | Monroe, LA | 92.5 | $166,928 | hot-humid | homes $166,928 — inside your $400,000 budget · hot-humid climate |
| 21 | Anniston, AL | 92.5 | $170,423 | hot-humid | homes $170,423 — inside your $400,000 budget · hot-humid climate |
| 22 | Alexandria, LA | 92.5 | $171,699 | hot-humid | homes $171,699 — inside your $400,000 budget · hot-humid climate |
| 23 | Wichita Falls, TX | 92.5 | $175,703 | hot-humid | homes $175,703 — inside your $400,000 budget · hot-humid climate |
| 24 | Houma, LA | 92.5 | $180,980 | hot-humid | homes $180,980 — inside your $400,000 budget · hot-humid climate |
| 25 | Texarkana, TX | 92.5 | $183,435 | hot-humid | homes $183,435 — inside your $400,000 budget · hot-humid climate |
| 26 | Shreveport, LA | 92.5 | $183,475 | hot-humid | homes $183,475 — inside your $400,000 budget · hot-humid climate |
| 27 | Gadsden, AL | 92.5 | $185,225 | hot-humid | homes $185,225 — inside your $400,000 budget · hot-humid climate |
| 28 | Beaumont, TX | 92.5 | $186,305 | hot-humid | homes $186,305 — inside your $400,000 budget · hot-humid climate |
| 29 | McAllen, TX | 92.5 | $188,971 | hot-humid | homes $188,971 — inside your $400,000 budget · hot-humid climate |
| 30 | Dothan, AL | 92.5 | $193,192 | hot-humid | homes $193,192 — inside your $400,000 budget · hot-humid climate |
| 31 | Mobile, AL | 92.5 | $194,638 | hot-humid | homes $194,638 — inside your $400,000 budget · hot-humid climate |
| 32 | Lafayette, LA | 92.5 | $200,358 | hot-humid | homes $200,358 — inside your $400,000 budget · hot-humid climate |
| 33 | Lake Charles, LA | 92.5 | $201,631 | hot-humid | homes $201,631 — inside your $400,000 budget · hot-humid climate |
| 34 | Brownsville, TX | 92.5 | $204,552 | hot-humid | homes $204,552 — inside your $400,000 budget · hot-humid climate |
| 35 | Lubbock, TX | 92.5 | $212,331 | hot-humid | homes $212,331 — inside your $400,000 budget · hot-humid climate |
| 36 | Jackson, MS | 92.5 | $212,335 | hot-humid | homes $212,335 — inside your $400,000 budget · hot-humid climate |
| 37 | Montgomery, AL | 92.5 | $212,437 | hot-humid | homes $212,437 — inside your $400,000 budget · hot-humid climate |
| 38 | Hattiesburg, MS | 92.5 | $213,737 | hot-humid | homes $213,737 — inside your $400,000 budget · hot-humid climate |
| 39 | Florence, AL | 92.5 | $215,246 | hot-humid | homes $215,246 — inside your $400,000 budget · hot-humid climate |
| 40 | Laredo, TX | 92.5 | $215,255 | hot-humid | homes $215,255 — inside your $400,000 budget · hot-humid climate |
| 41 | Eagle Pass, TX | 92.5 | $215,360 | hot-humid | homes $215,360 — inside your $400,000 budget · hot-humid climate |
| 42 | Longview, TX | 92.5 | $218,198 | hot-humid | homes $218,198 — inside your $400,000 budget · hot-humid climate |
| 43 | Amarillo, TX | 92.5 | $219,579 | hot-humid | homes $219,579 — inside your $400,000 budget · hot-humid climate |
| 44 | Victoria, TX | 92.5 | $220,045 | hot-humid | homes $220,045 — inside your $400,000 budget · hot-humid climate |
| 45 | Abilene, TX | 92.5 | $221,508 | hot-humid | homes $221,508 — inside your $400,000 budget · hot-humid climate |
| 46 | Corpus Christi, TX | 92.5 | $221,538 | hot-humid | homes $221,538 — inside your $400,000 budget · hot-humid climate |
| 47 | Hammond, LA | 92.5 | $221,759 | hot-humid | homes $221,759 — inside your $400,000 budget · hot-humid climate |
| 48 | Gulfport, MS | 92.5 | $224,165 | hot-humid | homes $224,165 — inside your $400,000 budget · hot-humid climate |
| 49 | Decatur, AL | 92.5 | $226,560 | hot-humid | homes $226,560 — inside your $400,000 budget · hot-humid climate |
| 50 | San Angelo, TX | 92.5 | $227,072 | hot-humid | homes $227,072 — inside your $400,000 budget · hot-humid climate |
| 51 | El Paso, TX | 92.5 | $233,011 | hot-humid | homes $233,011 — inside your $400,000 budget · hot-humid climate |
| 52 | Tuscaloosa, AL | 92.5 | $238,644 | hot-humid | homes $238,644 — inside your $400,000 budget · hot-humid climate |
| 53 | Baton Rouge, LA | 92.5 | $246,247 | hot-humid | homes $246,247 — inside your $400,000 budget · hot-humid climate |
| 54 | Killeen, TX | 92.5 | $248,024 | hot-humid | homes $248,024 — inside your $400,000 budget · hot-humid climate |
| 55 | Waco, TX | 92.5 | $250,105 | hot-humid | homes $250,105 — inside your $400,000 budget · hot-humid climate |
| 56 | Odessa, TX | 92.5 | $252,406 | hot-humid | homes $252,406 — inside your $400,000 budget · hot-humid climate |
| 57 | New Orleans, LA | 92.5 | $257,067 | hot-humid | homes $257,067 — inside your $400,000 budget · hot-humid climate |
| 58 | Birmingham, AL | 92.5 | $260,710 | hot-humid | homes $260,710 — inside your $400,000 budget · hot-humid climate |
| 59 | Tyler, TX | 92.5 | $267,833 | hot-humid | homes $267,833 — inside your $400,000 budget · hot-humid climate |
| 60 | San Antonio, TX | 92.5 | $273,806 | hot-humid | homes $273,806 — inside your $400,000 budget · hot-humid climate |
· NOAA 1991–2020 U.S. Climate Normals, coarse state-center band. · Certified 2024 presidential two-party vote margin, state level (proxy for the county margins a full build would use).
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