| # | Town | Score | Typical home | Climate | Why |
|---|---|---|---|---|---|
| 1 | Sebring, FL | 100 | $233,884 | tropical | homes $233,884 — inside your $400,000 budget · tropical climate |
| 2 | Ocala, FL | 100 | $272,790 | tropical | homes $272,790 — inside your $400,000 budget · tropical climate |
| 3 | Homosassa Springs, FL | 100 | $272,840 | tropical | homes $272,840 — inside your $400,000 budget · tropical climate |
| 4 | Tallahassee, FL | 100 | $285,739 | tropical | homes $285,739 — inside your $400,000 budget · tropical climate |
| 5 | Lakeland, FL | 100 | $298,055 | tropical | homes $298,055 — inside your $400,000 budget · tropical climate |
| 6 | Punta Gorda, FL | 100 | $299,372 | tropical | homes $299,372 — inside your $400,000 budget · tropical climate |
| 7 | Gainesville, FL | 100 | $304,902 | tropical | homes $304,902 — inside your $400,000 budget · tropical climate |
| 8 | Pensacola, FL | 100 | $311,363 | tropical | homes $311,363 — inside your $400,000 budget · tropical climate |
| 9 | Deltona, FL | 100 | $332,955 | tropical | homes $332,955 — inside your $400,000 budget · tropical climate |
| 10 | Cape Coral, FL | 100 | $337,352 | tropical | homes $337,352 — inside your $400,000 budget · tropical climate |
| 11 | Palm Bay, FL | 100 | $344,709 | tropical | homes $344,709 — inside your $400,000 budget · tropical climate |
| 12 | Panama City, FL | 100 | $344,879 | tropical | homes $344,879 — inside your $400,000 budget · tropical climate |
| 13 | Jacksonville, FL | 100 | $353,050 | tropical | homes $353,050 — inside your $400,000 budget · tropical climate |
| 14 | Tampa, FL | 100 | $361,634 | tropical | homes $361,634 — inside your $400,000 budget · tropical climate |
| 15 | Sebastian, FL | 100 | $366,119 | tropical | homes $366,119 — inside your $400,000 budget · tropical climate |
| 16 | Port St. Lucie, FL | 100 | $383,699 | tropical | homes $383,699 — inside your $400,000 budget · tropical climate |
| 17 | Orlando, FL | 100 | $386,867 | tropical | homes $386,867 — inside your $400,000 budget · tropical climate |
| 18 | North Port, FL | 99.4 | $404,446 | tropical | homes $404,446 — above your $400,000 budget · tropical climate |
| 19 | Crestview, FL | 94.6 | $442,871 | tropical | homes $442,871 — above your $400,000 budget · tropical climate |
| 20 | Monroe, LA | 92.5 | $167,253 | hot-humid | homes $167,253 — inside your $400,000 budget · hot-humid climate |
| 21 | Anniston, AL | 92.5 | $171,384 | hot-humid | homes $171,384 — inside your $400,000 budget · hot-humid climate |
| 22 | Alexandria, LA | 92.5 | $171,887 | hot-humid | homes $171,887 — inside your $400,000 budget · hot-humid climate |
| 23 | Wichita Falls, TX | 92.5 | $178,592 | hot-humid | homes $178,592 — inside your $400,000 budget · hot-humid climate |
| 24 | Texarkana, TX | 92.5 | $184,784 | hot-humid | homes $184,784 — inside your $400,000 budget · hot-humid climate |
| 25 | Shreveport, LA | 92.5 | $185,028 | hot-humid | homes $185,028 — inside your $400,000 budget · hot-humid climate |
| 26 | Houma, LA | 92.5 | $185,773 | hot-humid | homes $185,773 — inside your $400,000 budget · hot-humid climate |
| 27 | Gadsden, AL | 92.5 | $186,704 | hot-humid | homes $186,704 — inside your $400,000 budget · hot-humid climate |
| 28 | Beaumont, TX | 92.5 | $187,418 | hot-humid | homes $187,418 — inside your $400,000 budget · hot-humid climate |
| 29 | McAllen, TX | 92.5 | $191,508 | hot-humid | homes $191,508 — inside your $400,000 budget · hot-humid climate |
| 30 | Dothan, AL | 92.5 | $197,173 | hot-humid | homes $197,173 — inside your $400,000 budget · hot-humid climate |
| 31 | Mobile, AL | 92.5 | $197,652 | hot-humid | homes $197,652 — inside your $400,000 budget · hot-humid climate |
| 32 | Lake Charles, LA | 92.5 | $201,282 | hot-humid | homes $201,282 — inside your $400,000 budget · hot-humid climate |
| 33 | Lafayette, LA | 92.5 | $202,272 | hot-humid | homes $202,272 — inside your $400,000 budget · hot-humid climate |
| 34 | Brownsville, TX | 92.5 | $207,319 | hot-humid | homes $207,319 — inside your $400,000 budget · hot-humid climate |
| 35 | Lubbock, TX | 92.5 | $213,274 | hot-humid | homes $213,274 — inside your $400,000 budget · hot-humid climate |
| 36 | Jackson, MS | 92.5 | $213,701 | hot-humid | homes $213,701 — inside your $400,000 budget · hot-humid climate |
| 37 | Montgomery, AL | 92.5 | $214,925 | hot-humid | homes $214,925 — inside your $400,000 budget · hot-humid climate |
| 38 | Hattiesburg, MS | 92.5 | $217,753 | hot-humid | homes $217,753 — inside your $400,000 budget · hot-humid climate |
| 39 | Laredo, TX | 92.5 | $218,953 | hot-humid | homes $218,953 — inside your $400,000 budget · hot-humid climate |
| 40 | Florence, AL | 92.5 | $219,560 | hot-humid | homes $219,560 — inside your $400,000 budget · hot-humid climate |
| 41 | Abilene, TX | 92.5 | $220,955 | hot-humid | homes $220,955 — inside your $400,000 budget · hot-humid climate |
| 42 | Longview, TX | 92.5 | $221,161 | hot-humid | homes $221,161 — inside your $400,000 budget · hot-humid climate |
| 43 | Amarillo, TX | 92.5 | $221,823 | hot-humid | homes $221,823 — inside your $400,000 budget · hot-humid climate |
| 44 | Eagle Pass, TX | 92.5 | $222,307 | hot-humid | homes $222,307 — inside your $400,000 budget · hot-humid climate |
| 45 | Gulfport, MS | 92.5 | $223,508 | hot-humid | homes $223,508 — inside your $400,000 budget · hot-humid climate |
| 46 | Tuscaloosa, AL | 92.5 | $223,921 | hot-humid | homes $223,921 — inside your $400,000 budget · hot-humid climate |
| 47 | Victoria, TX | 92.5 | $224,645 | hot-humid | homes $224,645 — inside your $400,000 budget · hot-humid climate |
| 48 | Corpus Christi, TX | 92.5 | $224,780 | hot-humid | homes $224,780 — inside your $400,000 budget · hot-humid climate |
| 49 | Hammond, LA | 92.5 | $225,124 | hot-humid | homes $225,124 — inside your $400,000 budget · hot-humid climate |
| 50 | San Angelo, TX | 92.5 | $231,274 | hot-humid | homes $231,274 — inside your $400,000 budget · hot-humid climate |
| 51 | Decatur, AL | 92.5 | $232,764 | hot-humid | homes $232,764 — inside your $400,000 budget · hot-humid climate |
| 52 | El Paso, TX | 92.5 | $233,302 | hot-humid | homes $233,302 — inside your $400,000 budget · hot-humid climate |
| 53 | Baton Rouge, LA | 92.5 | $249,578 | hot-humid | homes $249,578 — inside your $400,000 budget · hot-humid climate |
| 54 | Killeen, TX | 92.5 | $251,916 | hot-humid | homes $251,916 — inside your $400,000 budget · hot-humid climate |
| 55 | Waco, TX | 92.5 | $255,418 | hot-humid | homes $255,418 — inside your $400,000 budget · hot-humid climate |
| 56 | Odessa, TX | 92.5 | $255,567 | hot-humid | homes $255,567 — inside your $400,000 budget · hot-humid climate |
| 57 | Birmingham, AL | 92.5 | $263,665 | hot-humid | homes $263,665 — inside your $400,000 budget · hot-humid climate |
| 58 | New Orleans, LA | 92.5 | $263,842 | hot-humid | homes $263,842 — inside your $400,000 budget · hot-humid climate |
| 59 | Tyler, TX | 92.5 | $271,328 | hot-humid | homes $271,328 — inside your $400,000 budget · hot-humid climate |
| 60 | San Antonio, TX | 92.5 | $279,434 | hot-humid | homes $279,434 — 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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