5 Best Cities in Northern Florida to Retire

2. Live Oak

Insider Monkey Score: 3

Thriving retirement communities, lush state parks, and lots of forests make up the city of Live Oak, Florida. Live Oak is a great place for retirement considering its scenic beauty full of tall trees and green pastures. The pace of life is very relaxed and calm, just what seniors need for their golden years. There are plenty of shopping centers, outdoor activities such as camping, hiking, and fishing, and of course, restaurants and entertainment options. The best part about Live Oak is its affordability, as the cost of living is approximately 18% lower than the U.S. average. Moreover, median monthly rents are between $800-$990 only.