| # | Town | Score | Typical home | Climate | Why |
|---|---|---|---|---|---|
| 1 | Sebring, FL | 100 | $233,314 | tropical | homes $233,314 — inside your $400,000 budget · tropical climate |
| 2 | Ocala, FL | 100 | $269,193 | tropical | homes $269,193 — inside your $400,000 budget · tropical climate |
| 3 | Homosassa Springs, FL | 100 | $271,612 | tropical | homes $271,612 — inside your $400,000 budget · tropical climate |
| 4 | Tallahassee, FL | 100 | $284,218 | tropical | homes $284,218 — inside your $400,000 budget · tropical climate |
| 5 | Lakeland, FL | 100 | $295,821 | tropical | homes $295,821 — inside your $400,000 budget · tropical climate |
| 6 | Punta Gorda, FL | 100 | $297,279 | tropical | homes $297,279 — inside your $400,000 budget · tropical climate |
| 7 | Gainesville, FL | 100 | $302,455 | tropical | homes $302,455 — inside your $400,000 budget · tropical climate |
| 8 | Pensacola, FL | 100 | $310,111 | tropical | homes $310,111 — inside your $400,000 budget · tropical climate |
| 9 | Deltona, FL | 100 | $330,389 | tropical | homes $330,389 — inside your $400,000 budget · tropical climate |
| 10 | Cape Coral, FL | 100 | $335,410 | tropical | homes $335,410 — inside your $400,000 budget · tropical climate |
| 11 | Palm Bay, FL | 100 | $341,944 | tropical | homes $341,944 — inside your $400,000 budget · tropical climate |
| 12 | Panama City, FL | 100 | $344,018 | tropical | homes $344,018 — inside your $400,000 budget · tropical climate |
| 13 | Jacksonville, FL | 100 | $350,783 | tropical | homes $350,783 — inside your $400,000 budget · tropical climate |
| 14 | Tampa, FL | 100 | $358,706 | tropical | homes $358,706 — inside your $400,000 budget · tropical climate |
| 15 | Sebastian, FL | 100 | $364,169 | tropical | homes $364,169 — inside your $400,000 budget · tropical climate |
| 16 | Port St. Lucie, FL | 100 | $381,749 | tropical | homes $381,749 — inside your $400,000 budget · tropical climate |
| 17 | Orlando, FL | 100 | $383,445 | tropical | homes $383,445 — inside your $400,000 budget · tropical climate |
| 18 | North Port, FL | 99.7 | $402,040 | tropical | homes $402,040 — above your $400,000 budget · tropical climate |
| 19 | Crestview, FL | 95.2 | $438,425 | tropical | homes $438,425 — above your $400,000 budget · tropical climate |
| 20 | Monroe, LA | 92.5 | $170,360 | hot-humid | homes $170,360 — inside your $400,000 budget · hot-humid climate |
| 21 | Anniston, AL | 92.5 | $171,105 | hot-humid | homes $171,105 — inside your $400,000 budget · hot-humid climate |
| 22 | Alexandria, LA | 92.5 | $178,296 | hot-humid | homes $178,296 — inside your $400,000 budget · hot-humid climate |
| 23 | Wichita Falls, TX | 92.5 | $179,059 | hot-humid | homes $179,059 — inside your $400,000 budget · hot-humid climate |
| 24 | Houma, LA | 92.5 | $183,859 | hot-humid | homes $183,859 — inside your $400,000 budget · hot-humid climate |
| 25 | Shreveport, LA | 92.5 | $186,446 | hot-humid | homes $186,446 — inside your $400,000 budget · hot-humid climate |
| 26 | Texarkana, TX | 92.5 | $186,957 | hot-humid | homes $186,957 — inside your $400,000 budget · hot-humid climate |
| 27 | Gadsden, AL | 92.5 | $187,734 | hot-humid | homes $187,734 — inside your $400,000 budget · hot-humid climate |
| 28 | Beaumont, TX | 92.5 | $188,313 | hot-humid | homes $188,313 — inside your $400,000 budget · hot-humid climate |
| 29 | McAllen, TX | 92.5 | $193,007 | hot-humid | homes $193,007 — inside your $400,000 budget · hot-humid climate |
| 30 | Dothan, AL | 92.5 | $196,154 | hot-humid | homes $196,154 — inside your $400,000 budget · hot-humid climate |
| 31 | Mobile, AL | 92.5 | $197,078 | hot-humid | homes $197,078 — inside your $400,000 budget · hot-humid climate |
| 32 | Lake Charles, LA | 92.5 | $202,113 | hot-humid | homes $202,113 — inside your $400,000 budget · hot-humid climate |
| 33 | Lafayette, LA | 92.5 | $202,529 | hot-humid | homes $202,529 — inside your $400,000 budget · hot-humid climate |
| 34 | Brownsville, TX | 92.5 | $209,484 | hot-humid | homes $209,484 — inside your $400,000 budget · hot-humid climate |
| 35 | Lubbock, TX | 92.5 | $213,398 | hot-humid | homes $213,398 — inside your $400,000 budget · hot-humid climate |
| 36 | Jackson, MS | 92.5 | $214,315 | hot-humid | homes $214,315 — inside your $400,000 budget · hot-humid climate |
| 37 | Montgomery, AL | 92.5 | $214,806 | hot-humid | homes $214,806 — inside your $400,000 budget · hot-humid climate |
| 38 | Hattiesburg, MS | 92.5 | $217,458 | hot-humid | homes $217,458 — inside your $400,000 budget · hot-humid climate |
| 39 | Florence, AL | 92.5 | $217,782 | hot-humid | homes $217,782 — inside your $400,000 budget · hot-humid climate |
| 40 | Laredo, TX | 92.5 | $218,936 | hot-humid | homes $218,936 — inside your $400,000 budget · hot-humid climate |
| 41 | Eagle Pass, TX | 92.5 | $219,279 | hot-humid | homes $219,279 — inside your $400,000 budget · hot-humid climate |
| 42 | Amarillo, TX | 92.5 | $221,566 | hot-humid | homes $221,566 — inside your $400,000 budget · hot-humid climate |
| 43 | Longview, TX | 92.5 | $222,626 | hot-humid | homes $222,626 — inside your $400,000 budget · hot-humid climate |
| 44 | Abilene, TX | 92.5 | $222,914 | hot-humid | homes $222,914 — inside your $400,000 budget · hot-humid climate |
| 45 | Corpus Christi, TX | 92.5 | $223,508 | hot-humid | homes $223,508 — inside your $400,000 budget · hot-humid climate |
| 46 | Gulfport, MS | 92.5 | $224,579 | hot-humid | homes $224,579 — inside your $400,000 budget · hot-humid climate |
| 47 | Victoria, TX | 92.5 | $225,240 | hot-humid | homes $225,240 — inside your $400,000 budget · hot-humid climate |
| 48 | Hammond, LA | 92.5 | $226,925 | hot-humid | homes $226,925 — inside your $400,000 budget · hot-humid climate |
| 49 | San Angelo, TX | 92.5 | $229,848 | hot-humid | homes $229,848 — inside your $400,000 budget · hot-humid climate |
| 50 | Decatur, AL | 92.5 | $232,440 | hot-humid | homes $232,440 — inside your $400,000 budget · hot-humid climate |
| 51 | El Paso, TX | 92.5 | $234,069 | hot-humid | homes $234,069 — inside your $400,000 budget · hot-humid climate |
| 52 | Tuscaloosa, AL | 92.5 | $241,271 | hot-humid | homes $241,271 — inside your $400,000 budget · hot-humid climate |
| 53 | Baton Rouge, LA | 92.5 | $248,895 | hot-humid | homes $248,895 — inside your $400,000 budget · hot-humid climate |
| 54 | Killeen, TX | 92.5 | $250,457 | hot-humid | homes $250,457 — inside your $400,000 budget · hot-humid climate |
| 55 | Odessa, TX | 92.5 | $253,302 | hot-humid | homes $253,302 — inside your $400,000 budget · hot-humid climate |
| 56 | Waco, TX | 92.5 | $255,340 | hot-humid | homes $255,340 — inside your $400,000 budget · hot-humid climate |
| 57 | New Orleans, LA | 92.5 | $261,002 | hot-humid | homes $261,002 — inside your $400,000 budget · hot-humid climate |
| 58 | Birmingham, AL | 92.5 | $262,563 | hot-humid | homes $262,563 — inside your $400,000 budget · hot-humid climate |
| 59 | Tyler, TX | 92.5 | $271,212 | hot-humid | homes $271,212 — inside your $400,000 budget · hot-humid climate |
| 60 | San Antonio, TX | 92.5 | $276,747 | hot-humid | homes $276,747 — 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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